BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: MI
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 asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. 
I did a thorough search of my own. There are inaccuracies after the credit bureau verification. 
In accordance with the Fair Credit Reporting act the following accounts have violated my rights Name of account XXXX XXXX XXXX XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX XXXX XXXX XXXX  VALIDATE ACCOUNT Name of account XXXX XXXX XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX XXXX XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX  XXXX BANKRUPTCY ACCOUNT # XXXX 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 consumer reporting agency can not furnish an 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 that antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX was paid off in XXXX. I had no more payments for this account to be delinquent 30 days. I took out another loan which you only can do once a loan is paid off. I made numerous attempts to call this company through there maze of confusion with there phone system. I finally made contact received a email confirming this account was settled.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I am a victim of the XXXX breach and starting since XXXX and XX/XX/XXXX, I kept having " hacker ( s ), breacher ( s ) '' buying things using my XXXX and XXXX account. I have canceled my banks debit card well over 10 times in 3 months there were times were the hackers were making purchases so often I ended up having 2 debt cards at once. We fix that, they had also created a XXXX XXXX signature card under my name ( luckly I caught it within a week ) So XXXX and XXXX fix that and close the card. Hackers were able to buy some things since XXXX adds the card to your account digitally as you wait for the hard card in your mail. I keept the card as a mento to be safe online while. I thought it was over. I ran some virus cleaners, ransom ware etc. 

But In XX/XX/XXXX my bank account was charged by XXXX i asked them why they stated i took out a XXXX loan which is now XXXX. I wrote to the the XXXX breach admin and still waiting a reply and instantly cleaned out all my hard drives and re-installed windows. XXXX XXXX didn't do its job or the hackers had remote desktop setup on my pc. Not anymore. 

As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item XXXX be removed Frozen until they acquire the correct information/people to they gave a loan to. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. My credit score has gone down XXXX XXXX in 2 months. I've ask XXXX to let me view the loan/credit application I supposedly sent them,,, they never have gaved it to me. 

I XXXX XXXX XXXX XXXX XXXX XXXX, was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a lot more complications. I have not worked in 2 years and still can't so I would not qualified for their loan, i wouldn't have had any paystubs, checks, deposits or job to write in the application to XXXX Yet XXXX won't remove the false information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16
Company: MoneyLion Inc.
State: OR
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:
On XX/XX/XXXX I paid off an installment loan with moneylion. After paying off the loan they placed it as a charge off on my credit report. I contacted MoneyLion and they sent me a letter stating the balance was paid and the account was closed but they refuse to reflect that on my credit report. It is now XX/XX/XXXX and moneylion has reported a charge off on my account for every month since then and the credit reporting agencies refuse to do a proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXXXXXX 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 XXXXXX/XX/2021

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 2023-04-23
Company: EQUIFAX, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV Funding Inc. sent my debt to a collection attorney who filed for garnishment of the debts owed to the company. On XX/XX/2020 I received a letter stating the debts were satisfied ( paid ) in full but LVNV Funding has not updated my credit reports nor removed the inaccuracies after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: IN
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:
CASE # XXXX DATE : XX/XX/2022 AFTER CHECKING MY CREDIT REPORT THSESE ACCOUNT IT STILL APPEARING ON MY CREDIT REPORT AFTER DISPUTING BACK IN 2022. REPORT STATES ACCOUNTS COULDN'T BE VERIFIED SO WHY OUR THESE ACCOUNT STILL REPORTING ON MY ACCOUNT. THIS IS A ERROR ON YOUR PART FOR KEEP INACCURATE ACCOUNT ON MY CREDIT REPORT AND I ASK THAT YOU REMOVE OR DELETE THIS ACCOUNT AS SOON AS POSSIBLE. I'M IN THE PROCESS OF BUYING A HOUSE AND WITH THESE ACCOUNT THAT IS NOT MINES REPORTING IT'S HARD FOR ME TO GET APPROVE.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Trans Union XXXX. XXXX  XXXX XXXX  XXXX, PA. XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX   XXXX  XXXX  ) Account # XXXX ; XXXX. 

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX  XXXX   XXXX  ). I have received a response that clearly violates my rights according to HIPAA. 

TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX XXXX/ XXXX  XXXX   XXXX  ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original TRANSUNION /XXXX  XXXX XXXX ( XXXX. XXXX, XXXX ) / ( XXXX XXXX  XXXX/ XXXX  XXXX  XXXX  ) should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

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 2018-04-30
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today, XX/XX/XXXX, I had contacted Procollect to pay off a debt of XXXX from an apartment back in XXXX. I was never notified of this debt via Procollect but decided to pay anyhow since their debt is preventing me from another lease. I had originally asked for a Pay to delete and was told that they are unable to perform that but would send me a payoff letter via email. I strongly advised that they pay to delete this debt but they continued to explain that this was not possible. After awhile of arguing I decided to pay anyhow and would contact a financial advisor later - the financial advisor told me that that Procollect could definitely do a pay to delete but that they refused. Why was I lied to? I have called back since and spoke to a very rude gentleman asking again if they would kindly delete the mark off of my credit so I could get a new lease since I had paid in full but he was extremely unpleasant and continued to tell me that they could not do that. Come to find out, they can definitely do this but just did not want to. I need this deleted in order to have a roof over my head and feel that I paid them for absolutely nothing. I have no idea what to do and wish they would have at least been honest. I need this shown deleted, not just paid in full. I am trying to do the right thing and repair my credit but this is one place I wish I would not have paid since I have nothing to show for it. Please help!

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 2020-06-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
BMO Harris notified me on XX/XX/XXXX that they were freezing my Diners Club card because fraudulent activity was attempted. It is a PIN card and the other party apparently made multiple unsuccessful attempts ( my card is in my possession and I do not have the PIN written anywhere. ) Problem is, this is the fourth time in about a year my card has been frozen ( they have not been successful in making a fraudulent charge. ) As this card is linked to most of my online buying and recurring monthly fees, it takes me more than a day to change all of my accounts and passwords so this is a big hassle. I feel BMO Harris isn't trying to protect my interests -- they're trying to make their job easier. Do I have any recourse to keep them from continually shutting down and forcing me to get a reissued card other than moving to a new credit card issuer?

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 2023-03-10
Company: Experian Information Solutions 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: 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. 

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 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 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 explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: MA
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 recently tried to buy a home to better me and my families life and I noticed that there are some damages on my credit report. I've already been in breaches and I thought my information would be protected. 

Now my family and I are being affected and its negatively impacting my emotional and mental state. It's also a deformation to my character. 


According to 15 U.S.C 1681 THE ACCURANCY & FAIRNESS OF REPORT & 15 U.S.C CODE 1692G VALIDATION OF DEBTS, the law was broken because these damages are fraud and illegal.

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 2023-04-23
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the unauthorized credit inquiries on my TransUnion credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

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 explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 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: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: GOLDMAN SACHS BANK USA
State: PR
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:
I have been using an Apple Card for the past two years. The main reason I started to use the card was to create credit. However, I havent been able to access my credit reports/score. I have continuosly tried to solve the issue with Goldman & Sachs. At first they said since I was only a participant I wasnt getting my credit reported. That I had to opt-in for credit reporting if you are a participant. When I did, they told me the change would reflect on reports in the next few months. It is now more than 6 months after that and I still have no reports for my credit score. I called today and they said that they have no clue why its not credit reporting. This is an issue I have had for 2 years ongoing and still have no information. 2 years of positive credit lines without missing a payment and all for nought. Today the issue was taken to their investigative department to check the situation out. I want to report this issue to see whether it is an issue with the beureaus or with Goldman & Sachs.

Company response to consumer: Closed with explanation