BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: NC
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 XX/XX/2023 I mailed out a dispute letter to Experian requesting that they validate debts from : Name : XXXX  Account # XXXX Name : XXXX XXXX XXXX XXXX Account # XXXX I received notice from Experian on XX/XX/2023 that the debts were verified and accurate. However, they did not provide any documentation with my signature ( which was requested ), and they did not prove in any way that their reporting was 100 % accurate. The only thing that Experian sent to me was an itemized statement which anyone could have typed. On XX/XX/2023 I mailed them out another certified letter giving them 15 days to provide me with a description of the procedure used to validate the debts, the names, addresses and phone numbers of each indivisual contacted about these alleged debts, and a document bearing my signed signature. It has been 45 days and I have not received any documents by mail with a description of the procedure used to validate the debts, the names, addresses and phone numbers of each indivisual contacted about these alleged debts, or a document bearing my signed signature. Experian is causing me a lot of distress by failing to remove these false claims from my file. I am getting turned down for things that I should not get turned down for, such as a car so that I can get my children and I back and forth.

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 2023-07-27
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: Information belongs to someone else

Complaint:
I am submitting a complaint to the Credit Bureaus today to report that I have been a victim of identity theft. After conducting research on how to remove the fraudulent accounts from my credit report, I discovered that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. According to FCRA section 605b, Credit Reporting Agencies are required to remove any accounts listed on an identity theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is currently being posted on my credit report. The list of accounts that do not belong to me or were opened without my permission is as follows : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00} . I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. As per FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: WESTERN UNION COMPANY, THE
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/22 my wife purchased a western union money order at XXXX XXXX in XXXX nm for XXXX usd for our rent payment it was lost or stolen at XXXX we called western union after XXXX said we needed to contact them to cancel it. Wesyern union said they do not cancel money orders and would refund in 7 days if not cashed We filed a claim XXXX XXXX we were told bye a representitive to do XXXX case number is XXXX. 

And were told it would be refunded in 7 days. 

On XX/XX/XXXX after talking to a representitive we were told it was cashed on XX/XX/XXXX and we cpuld not be refunded. Instead we would have to sighn a affidavid that removes liability for the funds and they could only give us details on who and where the mo was cashed if we sighned the forms I feel this violates ftc guidelines. And western union is being fraudulent and misleading it is very difficult to reach them ive spent hours on hold hu g up on and bounced around in the system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a derogatory mark on my TransUnion profile multiple times with no success or explanation why my dispute is being rejected. I cancelled my accounts with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  due to shady business practices towards their military clients and failure to meet fiduciary duties. After cancellation of my accounts, the company continued to charge me for a life insurance policy that I had cancelled which ultimately resulted in an overdraft fee. I then called XXXX XXXX XXXX  to dispute the faulty charge and overdraft fee and they assured me that it would be removed. Months later I found it reflected as a derogatory mark on my credit report. I was able to successfully remove the mark on both my XXXX and XXXX profiles, however TransUnion remains insistent on keeping the mark on my report. I have incurred thousands of additional dollars on my car payment and my credit score has suffered dramatically for a false {$110.00} charge.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: NH
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-16
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:
I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, XXXX, and Experian for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted.

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 2017-11-09
Company: Halsted Financial Services, LLC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company has called me from Halsted Financial regarding a debt which I did not take out it was fraud, someone used my name and social. This debt is some kind of future bill in XXXX I did file a police report in XXXX but now live in XXXX and can not obtain a copy of it but it is filed and if needed they can contact the police department. 

This is NOT my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
Based on, 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 as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 168b Permissible purposes of my 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS 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 non-monetary relief
Consumer complaint received 2019-04-30
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
i sent a letter to American Express saying my account was Hacked, They have ^XXXX XXXX XXXX in their possesion, they told me they were going to send me a check for XXXX XXXX XXXX, its been 22 days and i havent received anything at all when i call them they hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: OPORTUN FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been a victim of identity theft. This has been a traumatic time for us. They have been leaving either empty messages or notifying other family and friends about this. We are on Social Security income and can not do anything. We contacted XXXX a nonprofit law firm for additional assistance. They have disregarded all communication about this. We contacted them in XXXX and notified them to contact XXXX. but they have ignored that. XXXX has sent them a letter. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
I recently sent a dispute letter to Experian XXXX XXXX on XX/XX/2022, concerning erroneous information published on my credit report. Its been over 30-45 days & I still have not received a response from them as of yet, XX/XX/2022. I did not send it as certified mail, but I know that theyve received my notice b/c they updated the dates, the amount of open & closed accounts, & 2-year payment history on my report. They have not acknowledged my request, nor have they notified me of the beginning of their investigation process or results.

I want them I to be held accountable for their negligence & the damages Ive experienced from them not committing to completing a proper investigation. As by law of the FCRA, they are required to.

15 USC 623 : 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.

15 USC 611 ( A ) : If the completeness or accuracy of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2017-11-09
Company: EQUIFAX, 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:
Over the past year i have tried to have 2 fraudulent accounts that are in good standing with Equifax removed from my credit because they are not mine and they were not opened by me. 
My file with Equifax states ID Theft Victim- information Blocked Due To Police Or DMV Report Extended Fraud Alert File Blocked For Promotional Purposes That said, I have a certified/notarized police report on file with Equifax , however the 2 accounts according to them have not been blocked/removed because they say the police report is basically not sufficient!!!! 
Both accounts are with XXXX XXXX and i have called this company but they wont provide me very much information over the phone and instructed me to dispute the accounts with Equifax XXXX XXXX XXXX XXXX XXXX XXXX My Equifax Confirmation/Report Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE 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: 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2019-04-30
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Monday, XX/XX/2019, a representative from XXXX XXXX   contacted my husband and gave him the details of my account. She told him I was 5 months behind and told him I owed over {$3000.00}. When my husband called me to tell about the call, he gave me the telephone number and extension that the XXXX Representative gave him. I, immediately, called the number and a Ms. XXXX answered the telephone at XXXX. Ms. XXXX asked for my name and telephone number, which I gave to her. I, then, told Ms. XXXX that XXXX had violated my rights under the Fair Debt Collection Practices Act by, not only contacting my relative, but by discussing my account and my debt with a relative was illegal. Ms. XXXX made a sound that resembled a chuckle and told me she would need more information from me in order to discuss my account. I told Ms. XXXX I did not call to discuss my account but I did call to let her know I am going to sue XXXX for sharing my information with a relative without my permission. I also told Ms. XXXX to never call my husband again. I, then, disconnected the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I was in process of refinancing my current home mortgage loan. XXXX XXXX  was aware and got angry I was refinancing. The new mortgage company was XXXX XXXX XXXX XXXX   and they started they were going to assist the mortgage payment and failed to do so. I then contacted XXXX XXXX  to explain to them and i got nothing but attitude and they failed tp help and resolve the issue. I want them to take off the late payment. 

XXXX payment XXXX. The payment was due and I was going to pay. Unforeseen event of losing my mother, father and sister unexpectedly in a tragic accident caused me and my brothers to use our money to pay funeral arrangements. XXXX XXXX refused to help which is going to cause me to be late 3 days over the 30 days. They still refuse to help me and I want this late credit report hit to come off also because of a hardship I hit this month. XXXX is nothing but attitude and mouthful people. They told me to borrow money from my dead parents. Come on now what company does that.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2022-10-20
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: 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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as XXXX, Transunion, and XXXX for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted.

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