BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I asked for validation from XXXX XXXX XXXX and methods of validation from XXXX, XXXX, and Transunion. NO ONE PROVIDED ME ANY PROOF THIS IS MY DEBT. I submited a complaint with XXXX to have XXXX XXXX provide validation of debt. They refused. Then asked the bureaus for methods so I could see what the debt was for. This needs to be deleted from my credit report immediately.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

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 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
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:
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as their inclusion constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted and removed from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to remove these accounts and 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 explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX an account from XXXX XXXX XXXX appeared on my credit report. The account is reporting Im in debt in the amount of {$910.00} to them. I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I am a victim of identity theft!! Please delete this items IMMEDIATELY! This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection IMMEDIATELY!

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 2023-04-28
Company: LEXISNEXIS
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
please see attached file

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 2023-06-20
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
THIS COMPANY HAD NO PERMISSION TO ACCESS MY CREDIT FILE. NOR DID THEY HAVE PERMISSION TO REPORT THIS BY LAW. I DISPUTED WITH THIS COMPANY AND SHOWED THEM WHERE THEY VAILED THE Fair Credit Reporting Act " FCRA '' AND DEMANDED THAT THEY DELETE THE INACCURATE AND INCOMPLETE INFORMATION OFF MY CREDIT FILE AND DEMANDED THAT THEY PROVIDE COMPENSATION BASED ON THE " FCRA '' IN CIVIL LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: SYNCHRONY FINANCIAL
State: TX
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-06-11
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XXXX XXXX 2023 the Santander atm inside of XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX failed to dispense me XXXX  The card I used is from a XXXX direct payment account. The full amount of XXXX been charged to my account and no money was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: NAVY FEDERAL CREDIT UNION
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:
I have called numerous of times and sent in proper documentation and still have the same issue and its has hindered me as I try to get these things removed from my credit report from XXXX XXXX and XXXX with navy federal bank under the fair credit act 15USC 1681A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Bread Financial Holdings, Inc.
State: PA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
Subject : Request for Immediate Removal of Fraudulent Accounts from Credit Report Dear Sir/Madam , I am writing to express my deep concern and frustration regarding the lack of action taken by your organization to address the fraudulent accounts on my credit report. It has been well over 30 days since I first reported the identity theft, and despite providing all necessary documentation, the fraudulent accounts remain on my consumer report. This letter serves as a formal complaint against the credit bureau for failing to take appropriate action in removing these fraudulent accounts. 

To support my claim, I have attached a copy of my identity theft report, as well as my social security number and a form of identification for your reference. These documents clearly establish the fact that my personal information has been compromised and used without my consent or authorization. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute inaccurate information on my credit report and expect the credit bureaus to promptly investigate and correct any errors. However, in this case, the credit bureau has failed to validate the authenticity of these fraudulent accounts before furnishing them onto my consumer report. 

I hereby demand that you remove the following fraudulent information from my consumer report within four business days : 1. Account Name : XXXX XXXX  Account Number : XXXX 2. Account Name : XXXX Account Number : XXXX 3. Account Name : XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX Furthermore, I would like to bring your attention to the fraudulent addresses associated with these accounts, which were included in the report without proper verification : 1. XXXX XXXX XXXX, XXXX, TX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX Please understand that failure to comply with this request within the specified time frame will leave me with no choice but to pursue legal action under the provisions of the FCRA. As stated in Section 616 of the FCRA, any willful violation of the Act may result in a penalty of up to {$1000.00} per violation, and I will not hesitate to seek remedies for each instance of non-compliance. 

I trust that you will treat this matter with the urgency it deserves and take immediate action to rectify the errors on my credit report. I expect to receive written confirmation from you once these fraudulent accounts have been completely removed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2023-01-23
Company: Block, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have contacted Cash App for over a year now about an account that I can no longer access because I do not have the phone number nor the debit card that is attached to that account. Whenever I reach out to them, I provide all information they ask for they then tell me that they can not grant access to the account for security reasons. There is money in this account that has been sitting there for over a year that I can not access. I have all of the messages on the chat on the new Cash App account. I had to create to be able to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: MD
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 is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. these accounts need verification and their late payments updated. 

Here are the aforementioned accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX XXXX days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX  ; XXXX, XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX  Balance : XXXX ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX  XXXX Balance XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  Balance : XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance : XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Balance : XXXX  ; XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX  ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX  Balance : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX 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 2023-12-18
Company: EQUIFAX, INC.
State: NC
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: SD
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:
COMPLAINT ID : XXXX XXXX XXXX Code XXXX Procedure of disputed accuracy CRA took 60 days to investigate the disputed items submitted. CRA has 30 days. XXXX be up to additional if I would have submitted new information or documentation which would allow them additional 15 days. That did not happen. Violation by taking XXXX the allotted time to investigate. 

The information I disputed and the notice I submitted was not documented that they submitted a notice of dispute within 5 days. That is required. The CRA did not do that. 

Please provide reasonable methods used to verify. Provide the evidence of the reasonable procedures that you used to come to such a conclusion that it was the disputed information was verified. 

Who did you talk to? What is the telephone number of the person you spoke to? What address did you contact? Your procedures for investigation are impartial and fair to preserve the rights of me, the consumer. Any furnisher/lender/creditor must have my signed disclosures that I gave them permission to report. Violation of the XXXX XXXX. 

15 US Code 1681i- Procedure of disputed accuracy ( C ) Contents of Notice ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

The CRA failed to outline just that. How was the information I submitted used to verify the disputed items on my credit report? What information did you use to modify my credit report? The information that I sent to you? BC I have the right to privacy and if you obtained any verifiable proof, my permission ( verbal or written ) to report these items in the first place. So how can you verify or modify something that isn't supposed to be listed in the first place? 15 USC 6802 Violation.

Where is the evidence that I gave permission and consent? Provide evidence that the company has permission to report the disputed items on my credit report. 

If you are in a business transaction with various reporting services, how does this make your investigation fair and impartial? These companies are paying you to report. This is identity theft. I am not part of that business transaction. This is hurting and harming me and my financial powers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: MI
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:
The following accounts are incorrect, and is affecting my livelihood. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent out a notice of dispute XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX 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