BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXXXXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reported negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge-off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reported. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

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

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro-consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed 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 2017-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my XXXX credit file and it was reinserted without my knowledge. The information still has not been validated or verified by XXXX, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company Portfolio Recovery Associates is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things XXXX, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, 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:
I'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXXXXXX XXXX XXXX Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX {$350.00} XXXX Account # XXXX {$2800.00} XXXXXXXX XXXX Account # XXXX {$25000.00} UNKNOWN INQUIRIES : XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/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 2022-09-27
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: Account information incorrect

Complaint:
I recently viewed my credit report and saw several discrepancies and inaccuracies with the accounts listed below. There are several inaccuracies on each accounts date opened, payment date, payment amounts, etc. that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or intormation Any otner adverse item Or Information, Otner than records Or convictions Or Crimes which antedates the report DV more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the intormation 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 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is regarding a scam to sell concert tickets. The seller 's tickets were fake and it was unknown until after the XXXX transaction was completed via my Bank of America account. The major reason I am filing this complaint is because XXXX is presented as part of the banking experience *and* the person I sent the money to is *also* a Bank of America customer according to the fraud department. Bank of America said that I need to wait in a queue to get any headway as far as my complaint being processed. I've been a customer for more than 15 years and all I am is a random account number. To obtain a bank account, you need to be approved. This means the thief 's information is at the disposal o bank of america but they are not very concerned about this. Lesson learned on my end as well : When you get a receipt call XXXX and make sure the email is a XXXX account holder and that the order number in the email is legitimate.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX. They failed to acknowledge my attached letter request. Their response was invalid because they never bothered to read my letter. That's critical when requests are sent in. I tried dealing with them directly but they continue to blow off consumers and refuse to acknowledge any requests submitted to them. Their fake response doesn't do squat for me or the issues I asked them to address. They should read it! 

XXXX. XXXX account was not closed in XXXX, it was closed sooner than that by me prior to it being charged off. This expiration date needs to be back dated to an accurate date. If it stays on longer I will sue XXXX, XXXX and Experian. 

XXXX. They continue to keep putting old addresses on my report that don't exist anymore. Not sure why but it needs to be removed period!

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 2021-11-17
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I had a XXXX XXXX credit card through Comenity that I called to close over a year ago. Last week, I got a notification that XXXX XXXX had made a hard credit inquiry on me. I had no idea why until today - I received an unsolicited XXXX  XXXX Credit card through XXXX  XXXX, which is XXXX XXXX new provider. I called, and XXXX XXXX had no record of the account being cancelled. They say they can not remove the hard query ( which hit my credit score ), and that I also had to cancel the account again ( which will hit my score AGAIN ). I did not authorize any of this, and have had my score hit twice because of someone elses mistake. Please note that my last name is now XXXX, but the card was issued in my prior name ( XXXX ), in case that helps with identifying the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Checking account fraud paying to XXXX XXXX XXXX ' XXXX  XXXX bank account through wire transfer. Recipient 's CO ID ending in XXXX. There are XXXX transactions : {$100.00} on XX/XX/XXXX, {$85.00} on XXXX, and {$100.00} on 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 explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have contacted the companies and the credit bureaus on multiple times XX/XX/2022, XX/XX/2022, XX/XX/2022 for them to remove these accounts because they were paid in full but still being reported as charge offs on my credit reports. XXXX XXXX XXXX paid in full, XXXX also paid in full but still reporting as charge off.These inaccurate items that are reporting on my credit reports are having a negative effective on my mode of living, which is directly impacting my relationships with creditors cause i am trying to buy a home. I have reported these discrepencies to the Federal Trade Commission, XXXX and California Attorney General. Please investigate these matters and remove the disputed items as soon as possible.

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 2023-02-02
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am writing regarding the transaction of {$10000.00} with the transaction ID XXXX, which was sent to my WISE account associated with the email XXXX on XXXX XX/XX/2022. This account was deactivated by WISE. This transaction was made by mistake to my WISE account by one of my clients. The amount of {$10000.00} must return to the sender 's account, but it never happened. We already have filed a complaint to the bank from where this transaction was made, it's been almost over a month this amount was never sent back to the sender 's account. As we were paid for our services, my client is not willing to repay our services because He didn't get the prior transaction amount back in his account. We need this matter to be fixed ASAP. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
THE XXXX XXXX XXXX Last reported XX/XX/2022 {$840.00} Open balance XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/2022 ( XXXX mos ) Account status Open Type Responsibility Individual Remarks Placed for collection Original creditor name 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 2019-01-30
Company: Franklin Collection Service, 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:
XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each  account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Macy's/citibank account : XXXX charges were incurred at some time before this date. payments were not made from XXXX XX/XX/XXXX as this was Fraudulent activity on my account that I was unaware of. In XX/XX/XXXX this was determined to be fraud by Macy's/citibank. When I called on my Macy 's account after finding this to be on my credit reports in XXXXXXXX, they transferred me to the debt recovery department. They tell me every time that is was determined to be fraud and I was not liable. Yet- when calling, it says this account is in debt recovery. I asked to speak with someone in the Fraud dept and if transferred am cut off every time, if not transferred I am told to the only way to rectify this is to write a letter only through he USpostal service to rectify and there is no one I can talk to live. This was determined to be Fraud in XX/XX/XXXX. That was nearly 2 years ago and they have not rectified with the Credit reporting agencies- of which it should never have been reported to in the first place. I wrote my letter to request them to rectify in XXXX they stated they only received it on XX/XX/XXXX. The postal service does not take that long. They put this into investigation for the next 30days. If their own Customer Service has stated every time I call that it was determined to be Fraud by their investigation- in XXXX why are they having to further investigate this for 30 days? I have another Citibank Card that will not be reissued- due to this, I have not gotten a loan at an acceptable rate due to this. My credit will take another hit if I have to reapply fort the Citi bank ( Costco ) card that will not be renewed and this is 100 % the Fault of Macy's/citi bank- yet they are saying they need to investigate again!. Why is this allowed? They made the mistake. Then did not fix the mistake. They are taking an additional 30 days to investigate something they got an answer for 2 years ago. This has cost me hours of looking into.

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 2017-03-17
Company: Finance System of Toledo, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I NOTICED IN MY CREDIT REPORT TWO ACCOUNTS THE I NOTICED WERE NOT CORRECT AND I TRIED TO REACH OUT TWO THE CREDIT BURUEAS IF THEY CAN INVISTIGATE AND RESPOND TO ME AND I GAVE THEM 30 DAYS. THEY HAVE NOT RESPIONDED TO ME. I SENT THEM ONE LAST LETTER XXXX CERTIFIED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2005 XXXX XXXX XXXX XXXX XXXX ARE THE RECEIPT SLIPS FROM THE MAIL

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