BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 ACCOUNT NAMEXXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. Ilook forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
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: Credit inquiries on your report that you don't recognize

Complaint:
HELLO, I CHECKED MY CREDIT REPORT AND NOTICED UNAUTHORIZED FRAUDULENT INQUIRIES THAT I DID NOT GIVE CONSENT TO. I AM DEMANDING THESE INQUIRIES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION. PLEASE DELETE THE 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 2020-01-12
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 have disputed multiple late payment remarks on this XXXX  XXXX auto account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated

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 2020-08-01
Company: Experian Information Solutions Inc.
State: PA
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 inaccurate accounts 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 2023-03-14
Company: EQUIFAX, INC.
State: MD
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
State: MI
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 became incapacitated from an illness in XX/XX/XXXX and had to obtain several in-home caregivers for 14 months. My caregivers and my sister was tending to my financial affairs until XX/XX/XXXX and at that time I took back control of my finances. I discovered at that time that my credit had been fraudulently exploited and my identity had been used to obtain several unauthorized accounts. I have reported the illegal use of my credit and my stolen identity to local law enforcements as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I initiated a refinance of my mortgage in XXXX XXXX. In the process of settling the initial loan, we discovered that the property taxes were charged to the loan. The loan documents never indicated that the taxes would be paid by the loan servicer. After the initial inquiries and proof that I had paid the property taxes in the beginning of XXXX on my own, I paid BSI Financial the money they purportedly paid on my behalf for the taxes, anticipating a refund when they received or confirmed a stop payment of the taxes they shouldn't have paid in the first place. After the loan was paid off on XX/XX/XXXX, I was told to wait 6 weeks for the refund to come. After 6 weeks time passed, and after multiple requests for updates on the refund of money due, I have not received one message of confirmation or affirmation that this issue is being resolved. I recognize the additional challenges on staffing and anything that may thwart this process administratively, but enough time has passed without any firm confirmation that the money will be refunded. Moreover, I contacted the XXXX XXXX Property Tax office on XX/XX/XXXX, and was told there was never a payment made by BSI on my behalf. This leaves me quite suspicious about the money I was told that I owed and I am now not receiving in refund. I have asked the mortgage brokerage to get involved and they too have yet to receive any confirmation this problem is not being resolved. Filing this complaint is my next step in response to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
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:
My identity has been compromised and there's accounts reporting on my credit file inwhich I have absolutely no knowledge. Therefore, I'm demanding that these accounts be blocked and removed immediately. If you or your company do not then please show physical cause why you still reporting these unauthorized accounts. Please remove immediately these accounts. 

1 ) XXXX XXXX XXXX 2 ) US Dept of Education {$1700.00} 3 ) US Dept of Education {$3100.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I have received two past due accounts with XXXX XXXX XXXX XXXX from Transworld systems inc. I have NEVER had an account with XXXX nor owe any money or any sort .There is no outstanding bill. I assumed the first letter was fraud but i just received another letter. I googled the internet and see that other people have also received these fraudulent debt collection mails. I tried calling XXXX for clarification but no one was able to help. Here are details of the mail. 

Mail from : Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX Date of mail : XX/XX/2020 File # # # # # # Creditor : XXXX XXXX XXXX XXXX Invoice : XXXX XXXX XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I saw that on my credit report, I have XXXX hard inquiries, but XXXX of them are part of the time I was looking at financial institutions to purchase my car. I was told that the credit bureaus count multiple inquiries when shopping for a car as one inquiry on your credit report. Please remove XXXX of the hard inquiries and keep the last one with XXXX XXXX on XX/XX/2019, as that was the financial institution I took out the auto loan with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 disputed inaccuracies and incompleteness about a tradeline reporting on my consumer credit report with the agency and they failed to investigate the issues but instead responded to my dispute stating the information was verified as accurate. this is stated in the letter attached to the complaint.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: IN
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. 


Has violated my rights. Or list of inquiries : XXXX XXXX XXXX5 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 2018-01-25
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:
I have sent 2 letters by certified mail, return receipt to Equifax disputing 4 items being reported incorrectly on my credit report. The first letter was dated XXXX XXXX, XXXX, return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Equifax received and accepted my letter through registered mail dated XXXX XXXX, XXXX. To date I have not received a response. A second letter sent dated XXXX XXXX, XXXX, return receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB and was received and accepted by Equifax dated XXXX XXXX, XXXX. To date I have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX a very detailed letter was sent to this original creditor Capital One Bank, asking them to fix the misleading, erroneously reporting, slanderous credit reporting, The letter expressed, that I was looking for this Information to be updated and corrected as it is hindering my credit score. 

The letter sent that was sent was AFTER Capital One Bank had verified their alleged reporting to be accurate and TRUE. 

The response from Capital One Bank dated XX/XX/XXXX did not only address anything I had stated in such detail but they completely ignored the mis reporting ( s ) and proceeded to say " the late payments that were reported in XX/XX/XXXX and XX/XX/XXXX were accurate. 
What about all the other months that were reported as onetime to one CRA but not the other three? As the original creditor, as a financial institution, I would expect their reporting to the CRA 's to be accurate and the notified of misreporting for it to be addressed as such. Also, they would've retained impeccable records and provided them upon request. 

Copies of statements DOES NOT services as ANY form of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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 reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2021-06-16
Company: EQUIFAX, INC.
State: OH
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:
NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it MayConcern This complaint is being sent to the bureaus due to an unsigned letter of debt andseveral listed errors on my credit file.Please be advised that the items below are disputedand validation and proof of claim of the disputed debt are requested in accordance with theFair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the followingnew Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All ofwhich work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Title sand Sections. I respectfully request that a re-investigation with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, please advise all debt account companies shall cease all verbal communication. No phone calls to me or my job. Due to this fact ; if any negative mark is found on any of the credit reports by these companies or the company thatyou represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt CollectionPractices Act Defamation of Character Violation of United States Code TITLE 18 PART 1CHAPTER 63 1341 ( Mail Fraud ) Please provide verification or delete these items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or about XX/XX/2023, I have recently encountered instances where my attempts to dispute certain accounts on my credit report have been met with responses indicating that my credit file can not be located. This has resulted in difficulties in addressing inaccuracies and discrepancies that are negatively impacting my credit standing, risk assessment, and overall financial well-being. 

Furthermore, these challenges raise questions about the credit reporting agencies ' adherence to the Fair Credit Reporting Act ( FCRA ) and their responsibilities in providing accurate credit information to consumers. It is my belief that these issues may be hindering the consumer empowerment aspect of credit reporting and potentially compromising data security. 

This practice has resulted in significant harm to my financial standing and has raised questions about the ethical and legal practices of your organization. I recently discovered, to my astonishment, that multiple accounts are appearing on my consumer report, indicating that your agency has been furnishing information without my explicit written consent. This practice not only undermines my ability to manage my financial affairs effectively but also jeopardizes my privacy rights as a consumer. I believe that this disregard for the requirement of written consent is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially other applicable regulations. 

I want to bring to your attention that I have taken this matter seriously and have filed a complaint with the Federal Trade Commission ( FTC ). I am committed to seeking appropriate actions to address the harm caused by these practices and to ensure that such violations do not continue to impact consumers like myself. 

Attached to this letter, you will find a copy of my consumer report as evidence of the multiple accounts that are inaccurately appearing on my credit report without my written consent. Furthermore, I have included a copy of UCC-11, which shows that I do not have any liens or loans associated with my name. 

I will also include AGAIN a copy of my Drivers License, address, and social security card. Because every time I make a dispute. the 3 bureaus can not verify who I am

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 2021-07-19
Company: EQUIFAX, 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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX person call me from there office asking me about an account back in 2002 with XXXX XXXX XXXX in regards to my credit card running late. First I still have XXXX XXXX XXXX card in which I spoke to them and told them that the person called me from XXXX XXXX telling me about my credit and going down my credit report one creditor after another one and asking me why I disputed this and that. Was asking me questions about my credit cards and how one of my XXXX credit cards had a high limit. XXXX XXXX obtain information that is false as I was told by XXXX  XXXX XXXX back in 2002. XXXX XXXX also ran my credit in places I did not give them permission for some one to go down my file. XXXX XXXX is not a credit bureau nor a Financial place of business to be calling me going over my credit file asking me about things finance and why I disputed who I disputed and why. I see fraud done to how they obtain my information and want the credit bureaus to mail me a copy out regarding any credit pull by a company named XXXX XXXX. I have had fraud done.

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