BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
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 XXXX with the XXXX XXXX XXXX and XXXX Account, the below listed accounts has violated my rights.

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX  : Last reported XX/XX/XXXX {$250.00} Open balance : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor ) XXXX XXXX XXXX XXXX DEPT OF EDXXXX  : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is not my inquiry. 
XXXX XXXX XXXX XX/XX/2020 Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An account was fraudulently opened in my name and SSN with XXXX XXXX XXXX XXXX I did not apply for this credit. I reported to the company and they reported to the credit bureaus but TansUnion refused to remove it. I submitted a dispute directly with TransUnion and they apparently verified the account was accurate. Which is impossible.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2023-04-12
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was told that it was done by me and their was no mistake. When asked for the proof after investigation with XXXX XXXX online she wouldn't provide that information and she hung up.. I never did this and {$730.00} at XXXX XXXX isn't even something I would ever purchase online. I had reported this on the XXXX of XXXX while it was in pending. I couldn't get anyone to help me. I need this resolved I can't pay my bills again this month due to they finally gave me a credit on the XXXX of XXXX just to take it away on the XXXX and put the responsibility on me, I believe they never even looked into this for if they did they would know I didn't do it ... Also they would provide me with proof. Direct Express through Comerica.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: AR
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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: LEXISNEXIS
State: SC
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:
I have a Bankruptcy report on my credit report. I've called XXXX and they said that LEXISNEXIS gave them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX has Reported XXXX credit cards that were opened in my name fradulently! I have not given written consent for them to report on my behalf. Also XXXX closed account in XXXX are still reporting late payments and are closed! I need this removed and receipt of the removal

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 2023-04-12
Company: Experian Information Solutions Inc.
State: CA
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 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. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00}.

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 2022-07-21
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an internet/cable service relationship with XXXX XXXX for roughly 3 years. The service became so poor, including multiple times at which service was out for multiple days- including during my families movie nights and during the XXXX XXXX. They stated my area was prone to frequent outages and there is nothing they can do but try to resolve it as fast as they can. I informed XXXX that the service was not satisfactory and I needed to terminate due to the breach on their part of contract. The service person agreed. I ended my service and returned equipment. 6 months later I was hit with a collections from XXXX  XXXX. I contacted XXXX and they said there was a mistake and yet never returned my call, they did say there was a charge after canceling the service that was in the contract- but when I informed them they breached by not providing service they said they would have to get back to me... Instead they sent me to collection. This feels very much like a calculated move to defraud customers.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/XXXX I contacted XXXX about the following negative accounts XXXX XXXX. ( Open Date XX/XX/XXXX, Balance : {$900.00} ), XXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Open Date XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance {$7300.00} XXXX XXXX. ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX. ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$570.00} XXXX XXXX ). Its been over 45 days and XXXX havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-06-15
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a credit alert stating I had new delinquency reported by phoenix financial as a new debt and delinquency. The amount was for {$500.00} and was originally opened in XX/XX/XXXX. I didn't know who the company was or what the debt was. I contacted the company and spoke to rep who told me the debt was a medical bill from XXXX. I ask him why they reported the debt as a new debt that was 120 delinquent and he had no answers. The only thing he keep saying was I could pay it and they'd stop reporting it. My understanding is that a debt acquired by an agency couldn't then be " renewed '' as a debt that just recently happened. If they would have reported the debt as originating in XXXX I would have no issue but I feel they are doing this to try to pressure me into paying an old debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TrueAccord Corp.
State: VA
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:
XXXX XXXX XXXX sent a collection letter dated XX/XX/2020, postmarked XX/XX/2020, which I received XX/XX/2020 informing me of the debt. They proceeded to report the collection to XXXX  on XX/XX/2020, to XXXX  on XX/XX/2020 and to XXXX  on XX/XX/2020, well before the 30 days violating my FDCPA right to dispute this debt ( which I have requested and have not received anything back ). I'm now sending a new letter requesting they delete this information as I have not received their investigations results and it will be 30 days this week. Additionally, I receive collection emails requests from True Accord via email for the same account, and letters from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Transferred to MOHELA from XXXX. Payment listed are incorrect and have not been able to get correction via phone or email. Transition to SAVE was not performed despite recertification attempts. payment due listed on FSA differs from payment listed on MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX & XXXX CARD 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 2023-06-02
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son attended XXXX XXXX XXXX XXXX for several years as a XXXX XXXX. He had several services rendered under my insurance ( MEDICAID ), they referred him twice for XXXX  and we were told it wouldn't be covered by the insurance that I have. After the second consultation which was because the prior one expired due to length in time since my decline, his father and the company setup payment arrangements. 

I believe the insurance used was XXXX or whatever system he signed up for, I do not know the details since I declined and did not have any part in the service agreement. I spoke with the both managers at the practice over the last two years on both sides regarding the issue. I advised them of the concern and was told that due to account setup they couldn't list both parties. In speaking with the manager of XXXX XXXX it was verified that medicaid was listed for his office XXXX exams and visits. In speaking with XXXX manager I continuously was given the run around and redirected to billing and asked for court documents which were provided several times. The facility sent the debt to collection in my name and still to this day I have yet to see a service agreement with terms, conditions or my signature. I spoke to the debt collector yesterday whom was not advised nor aware of the matter and stated that they would need to pull back the debt or we would need to go through court.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: DC
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 is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

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 2023-06-02
Company: Block, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought a car from XXXX XXXX online after I saw The campaign on XXXX and XXXX,. I paid her {$4600.00} trough Cash app domestic money service company. She took my money and run away. I paid {$4600.00} for the car and shipping, XXXX took my money and run away. I cancelled the order and requested refund but never hear from him /her. I contacted him/her for via phone, and XXXX but no answer. The whatsapps of the scammer are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I used cash app to pay the amount of {$4600.00}. I reported my case to cash app support team, FBI, POLICE and FTC. 
My police report number XXXX My FTC fraud report number XXXX I submitted dispute through my banks, XXXX and XXXX, banks i linked to cash app to pay but they are unable to get my money back so far. 
For more infos please feel free to contact me via email or phone ; XXXX or XXXX XXXX XXXX Not just She has scammed me but she or he has stolen my Identity too, The copy of my driver license. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: NC
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:
I have been trying to call XXXX, XXXX and Experian for months trying to get remarks removed from my credit file and have been unsuccessful after numerous attempts.

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 2022-07-21
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: Their investigation did not fix an error on your report

Complaint:
id theft i submitted info and still no help. i sent info but no update guess i sue idk. but i got ahead in file with cfpb first.

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