BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : Experian, XXXX and XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies.

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY 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 explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The late payments on this account are not correct. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please have this account updated and repaired : 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 2022-10-20
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: Reporting company used your report improperly

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

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  Balance XXXX and XXXX XXXX  balance XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse item other than records of convictions of crimes which pre date the report more than 7 years.

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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Applied for a vehicle at a car dealership XXXX, but did not expect the sales representative to send my personal information to several bank/lenders. It resulted in a dramatic drop in my credit report from all 3 bureaus. Requesting that the following items from the Identity Theft PDF be removed from my credit report immediately according to the Fair Credit Reporting Act. Thank you for your time.

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 2019-07-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX  are incorrectly reporting multiple medical collections on my credit report. ( Please see pages 11, 12, and 13 of the attached credit report. ) I have attached a spreadsheet listing the name ; account number and amounts of the medical facilities that have been paid directly by my workers compensation claim. There are no outstanding balances due and owing. This incorrect reporting is harming my credit score and all of these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus directly to resolve this, but I have not been successful.

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 2017-09-08
Company: EQUIFAX, INC.
State: VA
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:
Equifax allowed my personal information to be stolen through inadequate security measures on their end. The amount of leaked data has basically permanently destroyed the security of my credit - I can temporarily put a fraud alert on my credit but it could in theory be removed by someone with access to the stolen information. I 'm obviously not alone in this situation - more than half of all American adults are in the same boat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-01-19
Company: W&A Intermediate Co., LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received notification of this debt. I found out about just yesterday because I am in the process of trying to build credit. Wakefield and associates have to marks on my credit history and never tried to contact me about any bills I may have outstanding. I definitely am not sure of the total or when they are from. I just want some type of solid validation they are mine. Until then I want them removed from my credit report cause they are hurting my credit for something I was unaware of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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: Account information incorrect

Complaint:
Showing different balance amount due on credit report that is incorrect

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 2021-03-28
Company: ALLY FINANCIAL 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:
On or about XX/XX/XXXX, I submitted a dispute with creditor Ally Financial through a credit agency. Notwithstanding the underlying dispute, Ally Financial disagreed with the dispute and instead alerted XXXX that the charge off that occurred in XXXX, actually happened in XX/XX/XXXX ( when they responded to the dispute ). As such, XXXX updated my credit report indicating the loan was recently charged off in XX/XX/XXXX, instead of almost five years ago in XXXX. They updated the entry to show this will fall off my credit report in XX/XX/XXXX since the charge off is dated XX/XX/XXXX. 

Clearly, this is erroneous as I paid this account in XX/XX/XXXX, and Ally Financial illegally believes there is still a balance on the account, which they charged off in XXXX. They do not get to update the account and erroneously state the charge off date to a date almost five years later. XXXX states they report exactly what the creditor told them to report and have no duty to check the information. As I informed XXXX  they have the credit report of the last five years and can see when the charge off occurred, without much research. XXXX has put in another dispute with Ally Financial to see how they respond. This is not sufficient, as Ally Financial continues to violate laws in error reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BARCLAYS BANK DELAWARE
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:
This Barclays account is no longer past due or in a charge-off status. This account has been paid in full. Barclays has failed to report my on time payments to XXXX that were made made on this account from XX/XX/2022 XX/XX/2022 as proven by the attached evidence of my payments on the account. Also, see the previous dispute letters that I have sent to Barclays in an attempt to resolve the matter. 

Barclays responded with a letter dated XX/XX/2022 and AGREED TO REMOVE this inaccurate and incomplete payment account history from my XXXX credit report. See attached letter dated XX/XX/2022 from Barclays. 

As of XX/XX/2022, Barclays has not removed or updated this discrepant payment history from my XXXX 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 2023-01-19
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We received multiple calls from the same number to myself, my fianc and my mother stating they are a para legal office with a collection from Kay Jewelers. They had my my full account number, social security number and address. Once confronted about not owing this debt the caller got upset and demanded we make payment, or I will be sued with garnishments and a lien put on my fianc 's vehicle. We are in good standing with kay jewelers and have called and verified there is no action being taken against us. This is very alarming they level of information scammers are able to collect from online sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: United Shore Financial Services, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My parents are trying to close on a loan for a condo. My parents are elderly and XXXX. The broker who was supposed to do it for us is doing things that don't make any sense for us. My parents are qualified for a loan but the broker kept pushing the date for closing back without giving us any explanation why. We contacted the bank that qualified us for the loan but they can't give us a straight answer as to why this is happening. Since XXXX the broker would give us a closing date only to change the date on us without any explanation. We're in the the process for too long to start over but we need a solution. We need help on what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Without consent.

15 U.S. Code 1681q - Obtaining information under false pretenses An action to enforce any liability created under this subchapter may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, not later than the earlier of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-28
Company: Aargon Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received phone calls and tried calling back to find out about the debt. 
No written correspondence was sent to me. 
I informed company that I paid the debt and I emailed proof. 
I called back to confirm receipt of my proof of payment and they refused to accept my proof. 
They also refused to contact the initial creditor ( XXXX ). 
I spoke with XXXX XXXX ID # XXXX who refused to provide last name.

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: 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: Public record information inaccurate

Complaint:
This is a formal complaint that XXXX, XXXX, & Transunion are reporting inaccurate and incomplete credit information. This a violation of FDCPA SECTION 808 UNFAIR PRACTICES & FDCPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
I purchased a vehicle from a car dealership in XXXX XXXX Maryland after the vehicle was having numerous problems I return the vehicle ..the dealership wrote a check to Westlake financial for the balance owed on the car the check was no good

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2023-08-07
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:
TransUnion Credit Reporting Agency is allowing accounts that are not mine to exist on my credit report when I have contacted the creditors and they can not verify any information about me to prove that the accounts that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  continues to report late payment on a charge off account which is violating my federal rights. Ive disputed item to request debt validation and never received any. I request XXXXXXXX XXXX XXXX  to prove I owe the debt in 30days or have it deleted as it is messing up my credit so bad. Attached a copy of credit report and how they really messing up credit. Transunion is doing nothing but keep reporting accuracy on the account. This is fraud to report closed account!!!

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 2017-09-28
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried multiple times to pay this account. When XXXX call XXXX XXXX they say it is with a collection agency. Then when I call the collection agency they say its been with XXXX XXXX. This debt is still showing up late on my account but there is no way for me to pay. How can I be held accountable for This if it 's no way for me to pay? This is causing my credit to go down and this is my final step before legal action.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: TX
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:
I disputed payments history on my Experian credit report for my payments was not being updated, that was for an auto loan installment account. Experian removed the account all together hence my credit score as a result. I contacted them to ask about the reseaon why it was removed and they answered the acount is no longer available and they can't give me information. I contacted my financing agency which reports my payments and they said they have been reporting my payments monthly. Financing agency reached out to Experian and told me that the account will be added back and updated the next time a payment is reported. It has been four months that I'm waiting for my score to be 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 non-monetary relief