BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I checked my personal credit report, which I acquired from your organization on ( XX/XX/XXXX ) and I noticed that this unauthorized inquiry had been made : TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX TransUnion XXXX XXXX XXXXg XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX Bank XXXX Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 
I contacted ( CREDITOR/FURNISHERS NAME ), who placed the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 
Thank you for your help and assistance. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax did not properly investigate an account on my credit profile for XXXX XXXX, XXXX this is not my account and I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


So how, what, when and where did the employee consumer reporting agencies such as : TransUnion, XXXX and XXXX allow for alleged debt collectors to report such private consumer transactions with a court subpoena and without written notice by the consumer granting those employees permission to do so? And pursuant to 15 U.S.C 6802 when did the consumer reporting agency notify the consumer regarding the opportunity to opt out of having any personal information to be sold and reported in reference to private consumer transactions? Wheres the wet ink signature on the original security instrument with XXXX XXXXU.S. Department of Education which includes F-D-I-C Holder in Due Course Notices since XXXX XXXX/U.S. Department of Education is acting a bank who loaned something of value? What did XXXX XXXXU.S. Department of Education loan something of value especially when digits arent value and federal reserve notes which are promise to pay notes have intrinsic value which returns to XXXX? Who purchased and sold the security instruments?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
TWO accounts where made with out my permission and are fraud please help me so these accounts can be removed from my credit report along with the Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  failed to report correct balance for account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to have these issues fixed with equifax to no avail. There are 3 accounts on my credit report that have been continuously changed to reflect erroronus information. I have attached evidence of these errors on my reports. The 3 accounts are XXXX ending in XXXX, XXXX ending in XXXX and XXXX XXXX ending in XXXX. Please review statements for each account below : XXXX XXXX : - For the reports dated XXXX XXXX XXXX XXXX and XX/XX/XXXX, they state a last payment date of XX/XX/XXXX and a date of first delinquency of XXXX XXXX These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

XXXX XXXX : - For the reports dated XXXX XXXX XXXX XXXX and XX/XX/XXXX, they state a last payment date of XXXX XXXX  and a date of first delinquency of XX/XX/XXXX. These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

XXXX XXXX XXXX  : - For the reports dated XXXX XXXX and XX/XX/XXXX, they state a last payment date of XX/XX/XXXX and a date of first delinquency of XX/XX/XXXX. These dates remain constant, but the payment history has changed significantly on each subsequent report. See attached. This has had a significant impact on my credit and I would like this account removed due to the payment history being erroronus. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) the accounts are in violation of not reporting 100 % accurate. Moreover, I request to know all the steps the agencies took to insure these items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information ( 16 CFR 313 ) to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also per IRS publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.Code S 1681 2 A Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX,

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is in response to Transunion 's recent claim that the court verified the public record they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In compliance with this method of investigation request, please provide the following : 1 ) the description of the procedure used to determine the accuracy and completeness of the information 2 ) Name, address, and telephone number of each person contacted regarding this alleged account.

3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have never had XXXX nor am I aware of XXXX XXXX. I have no idea what it is and why its on my report. I want proof of who they are not a random bill that can be from anywhere due to fraud. I have never received anything from these companies or know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX this complainant contacted the collection department for the check cashing store and spoke with the its collection department. I told the Collection department that a collection debt appeared on my credit reports for an unpaid loan. At that time they confirmed that I had paid all previous loans and that no loans or instalment loans were due or owed a that time. They concluded by stating that they were removing my number from being forwarded to their department. 

Vance & Hoffman LLC have caused damage to my credit report woith this erroneous debt, failed to provide any communication about the existence of the debt, which indicates that the failure to validate with proper notice about the alleged deb tin a timely manner prior to reporting the debt. By self admission, th failed to notify this complainant ; law office failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The following as occurred with accounts at the following banks : JPMC, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX 

I have been able to obtain debit card authorizations from these banks as issuer through the stripe payment XXXX. Following level of authorizations in a day : JPMC : ~ $ XXXX, XXXX : $ XXXX, XXXX : $ XXXX, XXXX : $ XXXX, XXXX : several accounts totaling $ XXXX, XXXX XXXX : several accounts totaling $ XXXX, XXXX and XXXX $ XXXX in two accounts. Each on of these banks has told me my account has been closed except for XXXX XXXX and XXXX- they say XXXX : permanently locked and XXXX No refund granted. The banks say the accounts are closed but transactions still settle on the account which cant happen with a truly closed account? In fact, banks have returned items unpaid late ( after settlement ) to avoid paying out funds. There are only two reasonable explanations for these occurrences 1 ) the authorizations and settled transactions occurred in error and qualify for RegE treatment. But this bring admissions to significant concerns regarding my account status. If authorization happens in error demonstrates collective weakness of internal controls to the payments system. Simplest explanation is banks are misrepresenting my account status and withholding credits from closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Express has charged off an account I had with them and sold my information to a debt collection company ; both have been harassing me about the debt and giving out different amounts owed. American Express continues to report the account inaccurately which is harming and damaging my reputation. What American Express is doing is wrong and illegal ; who do I owe and how much do I actually owe? American Express is allowing and giving the CRA wrong information to report and this is causing a great deal of stress and preventing me from accessing a home for my family and business opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation