BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
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 sent Bureaus Letter dated XX/XX/XXXX but still incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 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 2018-02-06
Company: Experian Information Solutions Inc.
State: LA
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 contacted attorneys XXXX, XXXX XXXX XXXX, XXXX because Experian has continued to allow 2 companies ( XXXX XXXX and XXXX XXXX XXXX ) to report on my credit when neither company has any documentation that gives them the right to report ANY history such as a signed application, or any file with my social security number. XXXX, XXXX XXXX XXXX, XXXX sent me a letter in XX/XX/2017, from Experian to fill out requesting my personal information and my concerns. I sent it to Experian certified mail on XX/XX/2017. I checked USPS Tracking which showed that Experian signed for it on XX/XX/2017 which began my investigation in accordance to FCRA 611 ( a ) ( 1 ) ( A ). I received two notices of disputes in the same envelope from XX/XX/XXXX ( 30 days after receiving my dispute ) stated that XXXX  was removed and XXXX XXXX shall remain and the other from the following day XX/XX/XXXX stating that XXXX was added back on which is in violation of the FCRA 611 ( a ) ( 1 ) ( A ) as well FCRA611 ( a ) ( 5 ) ( A ) that information deemed inaccurate or incomplete or can not be verified information to be removed and FCRA 611 ( a ) ( 5 ) ( B ) ( i ) that if this information is be reinsert that it must be CERTIFIED. In the notice of dispute there is no mention of the information for neither company is shown how it was certified in accordance to FCRA611 ( a ) ( 6 ) ( B ) ( iii ). I have contacted both companies personally and neither one has OPEN nor CLOSED ACCOUNTS or PAPERWORK that matches the information displayed by Experian.

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: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello- I have been disputing the reporting inaccuracies on the following account since XX/XX/2023. 

Account Name : [ XXXX ] Account Number : [ XXXX ] for the reporting on the following dates : XXXX This account is closed and should not be reporting active late payments. Upon review, I have observed that this account continues to be reported as having a late monthly payment history, even though it should not due to its charged-off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

This reporting violates the following consumer laws- 15 U.S. Code 1681a - Definitions ; rules of construction I U.S. Code | US Law | LII / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, XXXX XXXX, hold the right to have accurate XXXX current, and complete information on my credit report. Late payments fall under transactions & experiences and are illegal to continue to report as stated by the FCRA. 

Experian has been non-responsive, is well past 30 days for updated reporting and continues to instead send letters and emails to my address accusing me of not being myself and not acting on my requests.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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 2021-02-09
Company: Total Card, Inc.
State: MN
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXXXXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX  XXXX on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00},, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Within this past month I have disputed GC Services with all three bureaus and in less then 24 hours the account comes back verified. I asked them to validate that the debt was mine and they sent me a copy of a XXXX bill with signatures that 's are n't even mines. They in no way have validated or verified that the debt they are trying to collect is mines. Also GC Services has very unethical practices like calling their " customers '' 2-3 times a day and have been in many lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, 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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: SYNCHRONY FINANCIAL
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:
I had a paypal credit account till XX/XX/XXXX. I then closed the account and started paying down my balance each month. When synchrony bank acquired the service from PayPal I had a notification saying they are going to start reporting to the credit bureau for any active account. Since my account was closed before the acquisition I was very surprised when my credit scores dropped by 30 point after they reported a closed account with a balance on it to the credit bureau. I then proceed to immediately contact then to remove the account, but all I get for them is that they are working on it and it is being escalated with no resolution. In the mean time I was looking to purchase a house and I couldnt get the interest rate I wanted because of this debacle. This isnt the first time this happened to with synchrony bank back in XX/XX/XXXX, I had a car care card and when I reported it lost they decided to close the account and open a new one instead of giving me a replacement card. This obviously affect my credit score as it reduced the age of my credit.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I need you to correct and or remove the following accounts reporting erroneous information on my Credit 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: EQUIFAX, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX XXXX  XXXX with no successful resolution. Equifax and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
State recovery system as a debt collector tryed to collect a debt. They 're reporting inaccurate information in my credit report. I was denied credit. They told me is my responsibility to have it removed from the credit, they have no responsibility to remove it, they have no violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Company affirm check credit for consumer credit transaction and stated over the phone I was denied because of bad credit what are the qualifications to qualify for an item for {$100.00} on affirm, I should not be getting denied for consumer credit transaction. I was never asked to run my credit and never gave permission to do so. I was not told payment Plan with affirm was based off my credit, there wasnt any disclaimer to state that was what was going to happen. 

15 USC 1605

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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 2018-06-04
Company: Santander Consumer USA Holdings 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 have a loan with SANTANDER I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and SANTANDER with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CURO Intermediate Holdings
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries on my credit that I am just now noticing and my personal bank as well that I did not do. Funds taking out that I did not make. A lot of errors that i did not do, I am very upset and Im scared someone is using my identity. This is fraud and is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This is a continuation of the previous complaint/update : Background : fraudulent charges happened on my account in XX/XX/2021 ( last XXXX ). Best buy reviewed the charges and decided they were legit. 

Here is where it gets juicy : Best Buy ( referred to as XXXX onwards ) told me that the company, sharptrucks or sharpauto, had sent them a delivery slip showing I signed for the package, which had been delivered to XXXX XXXX XXXX ( my address ). 

I called the company That had issued the fraudulent charge, XXXX, And he sent me the receipt for delivery and refunded the charge. The representative for Best Buy/city bank had blatantly lied about the delivery receipt - It's not only handed delivery happened in XXXX XXXX XXXX XXXXXXXX but it was left at the front door and no one even signed for it. If you listen to the call with the 1st representative, she blatantly tells me that the package was delivered to my address she " my address to me and says that there is a signature from me on it as well and she's looking at it on the screen right now. 

Furthermore when I called Best Buy back the 2nd time, the representative in the fraud department that I got agreed that the first rep had given me incorrect information, as they could not even see the details sent over by the company ( XXXX or XXXX ). 

Had I been slightly XXXX or slightly more XXXX, I would not have made the extra step to call the company with the fraudulent charge, And Best Buy citi bank would have gotten away with trying to make me pay for it because they were too lazy or too incompetent to read the attachment. 

As an individual with XXXX XXXXXXXXXXXX XXXX I wonder how many other individuals with XXXX that were too XXXX XXXX  or just not collected enough to be able to fight the midst information of this corporation... I contend that there is a disparate impact being caused From this corporation as a result of poor training For individuals in the fraud department. 

I guess I'm gon na also do an XXXX XXXX and start contacting every individual Who left a review on XXXX XXXX or XXXX regarding the Best Buy fraud department to see if I can easily prove a disparate impact from the initial sampling, be it a disparate impact based on age or based on race Or based on XXXX. I'll let them know what I'm doing with their contact information and where it's going to make sure that I'm in compliance with California contact policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief