BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Resurgent Capital Services L.P.
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:
First of all LVNV Funding is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of LVNV licensing where FLORIDA is NOT listed.

LVNV Funding also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws LVNV Funding has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, XXXX and LVNV Funding " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Experian Information Solutions Inc.
State: WA
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 sent letter after letter proving that these accounts have been paid in full and to remove them all because theyve been consolidated to one and it looks horrible with all these different loans on my credit report. I have asked them to please remove them only to here nothing back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX XXXX # XXXX 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 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 or 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 non-monetary relief
Consumer complaint received 2019-10-31
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: TN
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:
XX/XX/XXXX19 filed complaints about information being in my credit like several bankruptcies that are not mines. 
XX/XX/XXXX19 filed dispute again XX/XX/XXXX19 Called Equifax nothing was resolved XX/XX/XXXX19 sent in copy of ID and SSN with letter stating the inaccurate information nothing has happened XX/XX/XXXX19 called and sent letter again XX/XX/XXXX19 Went to purchase my 1st car and bankruptcies  showed on my credit I've never filed bankruptcy. They mixed up my information with someone else. I call them again only to be told to send ID & Ssn with letter to dispute. Now I can't purchase a car under my name until this issue is resolved and the bankruptcies are off my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 've placed fraud alert on my credit report due to identity thief I 've reached out to, XXXX Experian and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

XXXX : Dispute # XXXX, XXXX, XXXX, XXXX Experian Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File # XXXX - I 've sent XXXX disputes and 4 pone calls

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 2023-04-06
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: Personal information incorrect

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: DISCOVER BANK
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Monday XX/XX/XXXX, these people called me 5 times. I called them back and told them they would be paid and to stop harassing me or I would contact the CFPB. They said they dont know who CFPB is and that the only way they will stop is if I pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft

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 2023-02-09
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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 is missing that should be on the report

Complaint:
Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. XXXX Aka 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 2021-11-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I received an email from American Express ( AMEX Bonvoy ) with a partner offerIf I signed up for an annual membership with Clear they would credit me back the {$170.00} annual fee if I used my Bonvoy card. 

I opened up the annual membership on XX/XX/XXXX and then sat back and waited for AMEX to credit me back the {$170.00}, but after five weeks and an entire billing cycle had lapsed, I contacted them on XX/XX/XXXX. 

I opened a ticket and explained I followed the steps in the email but they closed the ticket and never sent me a notification of the cancellation. 

I called again today and after speaking with the department that handles " unfulfilled offers '' they told me that because I did not " add the offer to my card through my online account '' they could not credit me back the {$170.00}. I escalated it to a supervisor and told him the large type in the middle of the email said nothing about adding the offer to my card first, but he rebutted with " well, it's in the small print terms and conditions '' at the bottom of the email so those are the terms they stand by. 

Bottom line I have no recourse through that department. I called back to the regular customer service and demanded they give me a service credit for the inconvenience, and, shockingly, even after being escalated again, they did not grant that as well. 

I've been a member of AMEX since XXXX and have had 3-4 cards with them. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-09
Company: EQUIFAX, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX XXXX about the bill to see why their was a bill the representative informed me it was for when my son had a visit to the ER I explained to her I provided the ER with his insurance and I called my insurance to be sure we was active they didnt bill the insurance for him no one even entered his insurance at the ER even though they was provided with the information the person I spoke with said it was my debt because he hid my son and I would have to settle it to have it removed insurance stated they can backdate the claim but the representative stated it was to far out I didnt know the bill wasnt paid until it showed on my report and its not my bill I wasnt seen at the ER I would like this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Inquiry : XX/XX/2022.

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 2021-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have several accounts of student loans that are showing up on my account. These loans have been settled, refinanced, and or are currently in negotiation. This credit bureau refuses to report accurate information about my account and remove the accounts but continues to report false and inaccurate information. i have been fighting since 2019 with little or no changes The following accounts are in question US DEPT ED 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 2023-04-05
Company: EQUIFAX, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
Hello, I am writing to file a dispute regarding the inaccurate information being reported on my credit report by XXXX XXXX, account number XXXX. 

The Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 609, 611, 623, and 628, requires furnishers of information to consumer reporting agencies to provide accurate and complete information. However, XXXX XXXX has violated these provisions by inaccurately reporting my monthly payment balances to XXXX and XXXX, while Equifax reports a different balance. Furthermore, XXXX reports that the account terms are revolving, while Equifax reports that the payment is due monthly. XXXX, on the other hand, did not report the account at all. 

I was shocked to discover that all three credit bureaus reported that I was 30 days late on XX/XX/XXXX and XX/XX/XXXX, when in fact, I made all payments on time. This erroneous reporting has had a significant impact on my credit score and has made it difficult for me to obtain credit and loans. 

XXXX XXXX with account number XXXX. The information being reported is not only false but is also having a detrimental impact on my life. 

According to XXXX and XXXX, my payment status on this account is charge off, yet I have never received any notification from XXXX XXXX regarding this charge off account, nor have they provided me with any paperwork related to it. This violation of Section 609 of the Fair Credit Reporting Act ( FCRA ) has caused significant distress and anxiety, as it has left me in the dark about the state of my finances and the potential consequences of this charge off status. 

Furthermore, XXXX is reporting a high credit balance of {$1500.00}, whereas XXXX did not report this information at all. In addition, XXXX is reporting the Date Last Active as XXXX, whereas XXXX is reporting it as XX/XX/XXXX. These inconsistencies violate Section 607 and Section 623 of the FCRA, respectively. 

This false and incomplete information is having a negative impact on my credit score, making it difficult for me to access credit and causing me undue stress and hardship. It is affecting my ability to secure a loan for a much-needed home renovation project, which is crucial for my family 's safety and well-being. 

I urge you to enforce the legal protections provided by the FCRA and ensure that XXXX XXXX provides accurate and complete information to all three credit reporting agencies. Additionally, I request that these unverified accounts be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/21 I complaint about Transworld violating any grace period and immediately reporting meeical debt to the credit. At any moment I ask for validation of debt which they keep sending validation papers with personal information from my minor daughter without my hyppa release forms

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions 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 information incorrect

Complaint:
ACCOUNT TYPE OPEN ACCOUNTS ACCOUNTS WITH A BALANCE REVOLVING XXXX XXXX {$52000.00} {$16000.00} {$68000.00} {$1500.00} ... WRONG! 
MORTGAGE XXXX XXXX {$230000.00} {$13000.00} {$240000.00} {$0.00} ... WRONG! 
INSTALLMENT XXXX XXXX {$5000.00} {$9900.00} {$15000.00} {$480.00} ... WRONG! 
OTHER XXXX XXXX {$0.00} {$0.00} {$0.00} {$0.00} TOTAL XXXX XXXX {$280000.00} {$39000.00} {$320000.00} {$2000.00} ... WRONG! 


*ALL OF THESE BALANCES ARE WRONG!

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