BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: TN
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 XXXXXXXX, 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 agencies can not furnish a account without my written instructions.

15 U.S.C 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 2023-02-17
Company: Flexible Finance, Inc.
State: NC
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:
Im a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX there is a company called Flexable Finance thats was said to be opened XX/XX/2022. And is claiming I owe then XXXX mo or {$1200.00} on XXXX credit reporting. My rent comes out direct deposit to XXXX XXXX XXXX XXXX NC {$1300.00} nothing goes to any Flexable Finance and they keep charging rental payments I called my rental office and all Im told Id Flex only has a email and there is nothing that can be done meanwhile XXXX is not only getting my full months rent directly withdrew from my checking on the 3rd of every month they are getting paid by this flex finance keeping the money and flex is charging me. My credit went from XXXX to XXXX with XXXX XXXX with XXXX. Flexible Finance only number and all you will get is a email is XXXX. My rental mgr XXXXXXXX knows I pay every month on time but says his hands are tied because you cant get in contact with anyone XXXX office number is XXXX XXXX XXXX. XXXX is manager

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today, XX/XX/2023 I was denied insurance based on information from XXXX, Transunion, and XXXX. When I called the insurance underwriting division, I spoke to XXXX at XXXX XXXX XXXX. He refused to give me specific information they used against me. I began to contact the Three listed companies. XXXX helped me rapidly and I was able to obtain my score and report. Transunion refused to offer me my free credit report. I spoke with XXXX. See attached conversation. She refused to respond after I demanded the free report. I have not given Transunion permission to obtain my credit information and I would like all of my information removed from their platform

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 2017-11-10
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a letter from Jefferson Capital Systems , LLC who said they were a debt collection company. They said they were attempting to collect a debt from XXXX XXXX Savings for {$950.00}. The account number with them was # XXXX. I have never done business with XXXX XXXX that I am aware of and have never received any bill from them. I dispute that I owe any debt. I phoned Jefferson Capital and they say the debt is from 2004. I know nothing about any debt. They said they would note that I disputed it but recommended that I contact you. I do not want this dispute on my credit. I pay my bills immediately and have NO debt with anyone to my knowledge and have never done business with XXXX. What can I do to get this removed from my credit??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Credit Bureuas failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the account 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 2022-12-11
Company: EQUIFAX, 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:
Today XX/XX/XXXX I noticed on XXXX XXXX that there was a alert sent to me for two new credit inquiries in which I did not do. One was from XXXX  XXXX XXXX XXXX  and another one was for a XXXX XXXX I immediately called equifax first to tell them about these fraudulent inquiries. I requested a fraud alert to placed on my account but the representative told me I had to mail information to them in order for it to happen. I tried to go online afterwards to request a fraud alert and to request my credit file just to make sure nothing else fraudulent happened on my file .A error message appeared online saying I was unable to get my credit file and was unable to get a fraud alert placed but to mail information. I am upset because no fraudulent person would go online and request a Fraud alert to be placed on a account. I verified all my information and is still unable to even view my credit report yet the perpetrator is able to use my information and constantly apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Conn's, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened this Conn 's account in XX/XX/2014 I was never late I asked several times when I made my payment on time to set this account in automatically payments and they did for was never informed that was only for 2-3 months and they removed it without my consent I still made my payments this account shoes charged off and it was not it was paid in full as agreed there's is late payments and incorrect information I need this to be corrected and deleted please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: CA
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 complaint is my follow-up complaint in line with my previous complaint dated XX/XX/XXXX. I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items due to their erroneous status. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX po box XXXX XXXX XXXX CA XXXX XX/XX/XXXX po box XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CITIBANK, N.A.
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:
The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2023-05-12
Company: EQUIFAX, INC.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX / XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX5 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Delete this 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 non-monetary relief
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 I reached out to Equifax regarding unauthorized inquiries that I do not recognize after I was denied credit that was given to them from Equifax with the unauthorized inquiries. I called Equifax and asked to speak to the Fraud Department or a special handling department because I am a victim of Identity theft with a fraud alert on my report. After being transferred 3 times when I asked to be given to the correct department I was first told the representative that I had to file another police report which I already contacted the police department and the sergeant stated the information I was given was incorrect and they should stop keep sending people back after they have already filed a report. I told the representative the items that needed to be removed or blocked immediately because I am a victim of Identity theft. I was told that it would be removed with 48 hours. I waited and checked my credit report on XXXX XXXX and on the Equifax website on XX/XX/2021 and the items were still on my report. I called again after being transferred again 2 times the representative verified that I have the fraud alert with statement saying I am a victim of identity theft, so this time I was told the system was processing and it should be updated overnight. 

XX/XX/2021 I called Equifax again and got transferred again twice was told to go to police again and contact the FTC which I explained to her that this has already been done and to look at my account and she should see that this was supposed to have been already completed. I told her I would be filling a complaint with CFPB and XXXX  if my account is not reporting the accurate information. XXXX  and XXXX  corrected my with 24 hours. She told me she removed the fraudulent inquiries and I informed her that I would be checking XXXX and the Equifax website and if it is still there I will fill the complain. 

I got off the phone with her and gave it 1 hour and the items are still reporting on both XXXX and Equifax website. 

I even told her that both my son and Fianc just got calls from their Human Resource department letting them know someone filled unemployment in their names. My Fianc is a XXXX  Vet and now XXXX  XXXX  and my son works for one of the other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
The following debt collection agency Portfolio Recovery Associates , LLC has sent out a notice regards to payment of over {$11000.00} from XXXX CREDIT CARD on partial account # XXXX I have no knowledge of this debt it is not mine the address on file is not affiliated with me in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfiield has reported an account that is not mine on my credit report. I have been dealing with identity theft for the past year because I was a victim of a robbery. I have attached the section of which you are in violation of on the Fair Credit Reporting Act. 

605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of 39 605B - 15 U.S.C. 1681c-2 605B - 15 U.S.C. 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Also I have included a copy of my FTC report and my police report as well as my social and my ID. Please remove this fraudulent account from my credit report immediately as you are in violation of my rights as a consumer and I will seek litigation as the results are false information, misleading and 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 explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: ALLY FINANCIAL INC.
State: NC
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, has violated my rights. 

1

5 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 1666B : A creditor may not treat 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 explanation
Consumer complaint received 2022-11-17
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: Reporting company used your report improperly

Complaint:
In Accordance with The Fair Credit Reporting and XXXX Account Below Has Violated My Rights : 15 U.S.C. 1681 Section 602 A Right to Privacy : 15 U S C. 1681 section 604 a section 2 I also states a consumer reporting agency can not furnish an account without my written instructions XXXX : This account is not mine : XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX This account was paid off, should not be there : XXXX UNIVERSITY Potentially Negative Account Info Account Name XXXX UNIVERSITY Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$3100.00} I dont recognize these Hard Inquiries, I did not authorize, fraudulent : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Remove those Fraudulent Inquiries XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Transunion REMOVE THIS INFORMATION FROM MY CREDIT REPORT, FRAUDULENT INFORMATION. 
I DID NOT HAVE SOCIAL SECURITY WHEN THIS ACCOUNT WAS OPEN NEVER HAD XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/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 2021-08-04
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My soc sec XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Nevada XXXX I am having issues with XXXX  and to get access to my acct I need first six statements of XXXX  or last six. The rest is XXXX man!

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