BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: VA
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:
They are not following the laws of consumer report 15 USC 1681b ( a ) ( 2 ) and ( c ) which states in the accordance with the written instructions of the consumer to whom it relates ( meaning they have to have permission from me to put that on my credit report and I didn't give nobody permission to put a student loan on my credit report so I revoke them for putting that student loan on my credit report ) I would like that move 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 explanation
Consumer complaint received 2020-02-04
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 fraud alerts or security freezes

Complaint:
I called the company in XXXX. I was not able to get a live person on the phone.

I requested a chat session on their website, with no response.

I emailed, but they did not contact me.

I sent a letter requesting an " unfreeze '' but they did not respond.

I attempted to unfreeze it online, requested a new pin and requested a one time unfreeze for a creditor, Each time I submitted the requests an error message that they could not process my request showed up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I received my credit report on XXXX XXXX XXXX and notice there were hard inquiries that don't have permissible poupose to be on there. these hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about the multiple time they violating my rights under 15 USC 1681 ( b ). I also have the hard inquiries that don't have no purpose to be on my credit report. 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 explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 provided Transunion with an XXXX report and the law clearly states the following : XXXX XXXX Code XXXX ( 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Transunion received my XXXX report ( attached here along with my full dispute ) and they did not follow the LAW. Transunion is not superior to the UNITED STATES LAW and MUST comply with Code of federal regulation. They made claims to verify the accounts however, under section XXXX ( a ) ( XXXX ) ( A ) they have to provided me with any physical proof, a consumer contract with my signature proving ownership of what they are reporting. Transunion is not doing their job and they are costing me my natural rights to credit. I have included my full dispute along with every violation and punishment available by law if Transunion does not rectify my credit report immediately. I will hold all parties accountable and will seek my full remedy for all violations and hold Transunion and all accomplices criminally liable.

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 2021-05-02
Company: Federal Financial Services 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company FED FIN SVC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 
In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Name of Account Account Number Provide Verification XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Unverified 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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spoke with XXXX from TransUnion about a credit matter two inquiries Of XXXX and XXXX, TransUnion customer service department did not help remove the negative inquiries that are reporting on my credit 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 explanation
Consumer complaint received 2021-11-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in regards to Synchrony Bank and their attempt to collect a debt that is clearly a result of fraud. Synchrony Bank owns the debt of paypal crediXXXX  which is the account that this regards to. 

In ( estimation ) mid XXXX I opened a XXXX credit account and briefly used and paid off the debt associated with it. I no longer have access to the email address associated with this account, I don't know the account number or anything else. 

I noticed my credit score was dinged recently by XXXX and I was very confused given that not only have I not used this account in years ; I also have no means of logging in so I gave them a call and after being stonewalled I discovered that there were payments made on to this account ( XXXX something dollars ) that I don't recognize and I was charged a late fee. 

Again not only have I not used the account ; I would not be able to use it if I wanted because I don't even have access to the email associated with it anymore. I had to make multiple phone calls where I was repeatedly asked to make a payment for something I don't even recognize and they finally transferred me to their fraud department where they claimed they would open an investigation and get back to me. 

Under no circumstance am I going to pay for these fraudulent transaction and I am making this complaint because they have already dinged my credit score without actually contacting me and I want to apply additional pressure on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft. In regards to my XXXX XXXX XXXX XXXX I sent the Consumer Reporting agencies a copy of proof of identity, a copy of an identity theft report, the identification of such information, and a statement by me that the information is not information relating to any transaction by me. This was sent and received by all Consumer reporting agencies. XXXX has followed proper protocol by blocking the information from my report according to fcra 605B. However Equifax and XXXX have not. I have proof of delivery of such items. In general a consumer reporting agency may decline to block or rescind a block of information if the agency has reasonably determined that the information was a error, there was a misrepresentation of fact, or the consumer obtained good or services as a result of the block however, they are required to send me promptly information pertaining to this and have not done so. I was under the impression they had 4 days to block the information from the report unless they notify me of the rescind or not blocking the information. I will be looking at what damages are being caused by not following the strict guidelines protecting consumers from identity theft if this is not resolved immediately. This account must be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-03-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
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 non-monetary relief
Consumer complaint received 2021-11-20
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no XXXX party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 should go to transunion, XXXX XXXX, and all third party credit reporting agencys.! 5u.s code consumer laws and protection. These agencys failed to protect me by a couple of ways, the first receiving my info from a creditor and posting it at face value without an investigation isnt protecting me. And selling my info without my consent to third party persons and they reporting it to there list of buyers without my consent is a federal violation of my rights and my protection 15u.s code 6802 and these violations is on every account held by Transunion, XXXX, XXXX they hae a responsibility to protect our info but it must be done by the law and allowing these violations to continue is causing & costing me thousands of dollar every year. Here are two examples XXXXXXXX XXXX card And XXXX card both know the statue has ran out, XXXX told me straight out they would never remove my account i found that to be threatening and harassment XXXX is doing under cover, just these to alone would change my situation in a poisitive way they have failed to protect my privacy and rights but the three havent removed it, i talked to XXXX today been given the run arrounds. XXXXXXXX XXXX  ACCT # XXXX XXXXXXXX XXXX  ACCT # XXXX and when i contacted XXXX they showed no concern about what they are doing purposely destroying my life.Theres a {$2500.00} fine but no less then {$1000.00} for each violation to be paid to the consumer upon there requesting it as i am now and will send a invoice Not one of my account was reported properly and has gone undetected for years. name all three in this report because they all will receive the same msg one more thing old address that companys are sending are still reporting on as if they were mine and i live there some of the address on my report i dont remember having. I have lived at this address for almost 12yrs and it should be the only one remaining.

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 2022-05-25
Company: Experian Information Solutions 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:
This is my formal complaint that the credit Bureaus ( XXXX, XXXX and Experian ) are reporting an inaccurate and incomplete information on my credit report. In accordance with the fair credit reporting act XXXX account # below has violated my rights.These account notation of the following late payments is inaccurate. I have never been late. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC SC1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a an account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under a open in consumer credit plan as late for 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 2021-11-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have been getting a call from someone claiming to be from Citibank the last two days from # XXXX. I have never applied for any credit from this bank. The messages they are leaving on my voicemail is that " in order to process your request we need additional information, please call us at XXXX, we are open 7 to midnight EST and if you could use the following reference number XXXX when you return our call and again this is Citibank calling, thank you and have a great day. ''. when you call that XXXX number it claims to be a banking center with two options and than asks for your SS #. I called CitiBANK getting there phone number from the internet and they have no record of me applying for credit or having an existing account. I think this is a fraud call.

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 2018-08-06
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a debt from years ago that had already fallen off my credit report. There was no communication whatsoever from this company. This company has randomly popped on my credit report twice. First XXXX. The first time it popped up on XXXX  I disputed it and it was removed. The second time it popped up on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
A lady calling herself XXXX repeatedly called me to collect on a bebt that I incurred in 2007. SHe stated that if I did not make arrangement swith her yeaterday she would file a XXXX form with the IRS and then XXXX XXXX would firl a {$20000.00} lawsuit and if I did not pay, I would be jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
There are accounts that are not mine on my report. XXXX XXXX XXXX {$23000.00} XX/XX/2021. XXXX XXXX XXXX {$12000.00} XX/XX/2021. XXXX XXXXXXXX XXXX  {$87.00}, XXXX XXXX {$30.00}, XXXX XXXX {$30.00}, XXXX XXXX {$4.00}.

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