BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 

The following false accounts have been deleted by XXXX after an investigation, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX . I have attached highlighted removed accounts.

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 2023-12-17
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This Debt Was originally with XXXX XXXX XXXX who originally discharged the debt. Than without notice I discovered while checking my credit that XXXX XXXX XXXX bought the debt. I was unaware that I can dispute the debt and never received notice that I can dispute the debt along with I did not receive any verifying information of the debt.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
These credit companies are messing with people 's scores XXXX minute they're certain number and then the next they've dropped XXXX points all of a sudden this is crazy people are trying to get ahead and can't because the credit companies our joke

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
N accordance with the Fair Credit Reporting act XXXX  Account XXXX ACCOUNT NUMBER ENDING IN # XXXX and # 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 : Its 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: MD
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:
Recently I applied for a loan and was denied. At this time I realized that damages/ late payment reporting have been placed on my credit report illegally from XXXX XXXX XXXX and Experian from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) 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 ; According to this law no damages/ late payments should be on my report. These damages are a defamation to my character.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-11-07
Company: Southwest Credit Systems, L.P.
State: MD
Product: Credit reporting 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. These creditors, XXXX XXXX XXXX, Southwest Credit Systems, XXXX XXXX XXXX, has violated my rights under the 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this message finds you well. I am writing to inform you that on XX/XX/2023, I disputed an item on my credit report regarding a debt that was reported by Ability Recovery. I patiently waited for a response from your office regarding this matter. 

In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Ability Recovery. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. 

Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.

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 2023-07-23
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/XXXX : We charged {$17000.00} to this card for an XXXX XXXX rental in XXXX. 
XX/XX/XXXX : We paid the bill in full to Citibank CC XX/XX/XXXX : XXXX refunds {$17000.00} to this account as they cancelled our rental due to the building being sold. 
XXXX. XXXX : Initial call to Citibank CC to request a refund of the large balance. 
XX/XX/XXXX : {$16000.00} is removed from our account for the requested refund. We do not get the refund. 
XX/XX/XXXX : XXXX XXXX calls to see where the refund check is. Citibank CC says the check was drawn on XX/XX/XXXX and we should wait another XXXX days for receipt. 
XX/XX/XXXX : We have not received refund so XXXX XXXX calls again. We are told it was sent and has not been cashed. We are told that we now have to therefore cancel this check that was " lost in the mail '' in order to request another check to be sent. 
XX/XX/XXXX : We again call to be sure another check is being sent. Yes we are told it is in process XX/XX/XXXX : We have not received the second check and XXXX calls again to see where it is. We are told by XXXX the check was AGAIN cancelled by us but it was not done by us. We are never told why this happened. We ask for ANOTHER ( third ) check to be sent. Are told it will take several days to review again for XXXX days by a panel, and that we need to wait another XXXX days to send and receive that THIRD check. We were speaking to XXXX and told his supervisor is XXXX XXXX. 
XX/XX/XXXX : XXXX XXXX calls again to check status of the check. He is told the refund was not approved. Our account shows {$16000.00} was again returned to our account ( this is the money we want refunded ). We do NOT need want or request a {$16000.00} credit be applied to the Costco account. We need the money back. We are told the rep is again requesting a refund for us and it will again take XXXX days to review and XXXX days to get it in the mail, or we may be able to request that the money by electronically transferred into our account at the time of review approval. 
Today we have nothing but assurances and no idea if we will ever receive this money back without taking some type of legal action.

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 monetary relief
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. It has been 60 days as it stands and I have gotten no response from the credit bureaus. This is totally unacceptable. At this point, it is clear that my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been 60 days since my dispute so they should be deleted promptly. It has come to my attention that my information was impacted by the XXXX  data breach and may have been in the hands of the wrong person. I am demanding these items be removed immediately or I will be forced to file for litigation due to the stress you have caused me.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the delinquency of payments on my account. I woke up this morning, XX/XX/2023 to a -77 hit to my credit score over a charge of {$120.00} that I am just now finding out has been assessed to me since XXXX. I spoke to a representative at XXXX that claimed they had sent me letters to indicate my balance that was due to two parking tickets that had been assessed directly to my car. I have never had a ticket assessed directly to my car in 10+ years of leasing, so this is new to me as well. 


XXXX also claimed they had called me twice since XXXX to let me know but could not leave a voicemail due to regulatory laws in my state. If they couldnt leave a voicemail and I have not actually been receiving collection notices, how am I to know that I owe money that would ultimately result in such a significant penalty? Also, the account shows my balance is only 18 days overdue, so if these charges have been assessed since XXXX, wouldnt it show a longer delinquency? 


Nevertheless I have since been paying my car balance down regularly with no actual communications to me that I had been delinquent. 


I have attached proof from my bank account and with Trans Union that I have been paying down the balance of my lease monthly at the beginning of every month and have been in good standing this entire time. I also am hoping that my overall good standing with my credit/finances can be taken into consideration at this time. I have never been late with a credit card payment, student loan payment in 10+ years, I have leased 4 different cars with XXXX and have never missed a payment there either. 


I believe this has been a miscommunication over a seemingly small amount of money that I would have paid had I been properly notified of the charges. I have attached payment of the outstanding bill as well. I have worked my entire adult life to maintain a good credit score in hopes to buy a house, and I am hoping this small issue does not set me back and this hit to my credit score can be removed and my original credit score can be restored. 


Thank you so much for hearing my dispute. 

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 non-monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-07
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in response to a recent communication dated XX/XX/2023, regarding an alleged debt in the amount of {$9500.00} USD on behalf of XXXX XXXX XXXX XXXX XXXX. I am genuinely uncertain if this debt is valid and whether it pertains to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. As such, I kindly request that you provide the following information : The name and contact information of the original creditor, XXXX XXXX XXXX XXXX XXXX. 
A copy of any contract or agreement signed by me related to this debt. 
A detailed accounting of the debt, including the principal amount, interest, fees, and any other charges that make up the total debt. 
Proof that Kohn Law Firm S.C. is authorized to collect this debt in the state of Illinois. 
Any documentation that demonstrates I am legally responsible for this debt. 
Please ensure that all of this information is provided within 30 days from the date of your receipt of this letter, as required by the FDCPA ( 15 U.S.C. Section 1692g ). If you are unable to provide the requested documentation, I expect the debt to be immediately removed from my credit report and consider the matter resolved. 

I am providing my full legal name as XXXX. However, I noticed that your correspondence addressed me as XXXX. Please be aware that this information is not meant to acknowledge or confirm the validity of the debt but to ensure that my identity is correctly identified in your records. My internal case/file number, XXXX, should be sufficient for your reference. 

I request that you cease all collection activities, including phone calls and letters, until the debt validation process is completed. 

I will also be submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter for record-keeping purposes. 

Thank you for your prompt attention to this request. I look forward to your timely response and the resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Professional Collectors Corp.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received XXXX fake bills from professional collector corporation. And on the top of that they put XXXX fake bills on my credit bureau. I already made a complaint about this. I am doing it again to show proof. The bill thats dated XXXX there is no proof of this bill. XXXX sent the Wisconsin department of financial institution all of what we supposedly owe them. XXXX XXXX XXXX sent me with all of my bills XXXX XXXX XXXX XXXX  advice showing what my insurance company paid. According to these records I dont owe anything. My health insurance had an agreement/contract which by law you cant charge the patient anything. I am going to show you what they put into my credit bureau to the fake bills that they sent us. How they charged XXXX of the bills more than {$240.00} in interest in only 1 months time according to what XXXX sent to wdfi. This is my XXXX complaint. I will make as many complaints as I have to stop them from hurting other victims out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Affirm Holdings, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX REQUEST THAT THIS ACCOUNT FROM AFFIRM INC BE REMOVED FROM MY CREDIT REPORT OF ALL INACCURATE REPORTS AS IT IS A CANCELLATION OF DEBT. CHARGE OFF ACCOUNTS SHOULD ALSO NOT HAVE ANY LATE PAYMENTS I AM GIVING THIS CREDITOR 30 DAYS AS I DO NOT RECOGNIZE HOW THIS ACCOUNT IS BEING REPORTED ON MY CREDIT. I DONT RECOGNIZE THE ACCOUNT STATUS I DONT RECOGNIZE THED ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENTS ASSOCIATED WITH THIS ACCOUNT AND DOES NOT MEET THE FRCA. NEVER RECEIVED A XXXX XXXX PER IRS PER 15USC 1681EB AND1692G. I HAVE ATTEMPTED TO DISPUTE WITH ALL 3 CREDIT BUREAUS. I HAVE NEVER RECEIVED ANYTHING FROM AFFIRM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I Just started getting into building my credit I was too young at the time to establish any credit or have a card. Now that Im trying to establish and build my credit I see that theres charges on my credit report that I had no idea about.

Company response to consumer: Closed with explanation