BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
they reporting XXXX XXXX, i informed them if they can put in remarks sec that this bank took longer then the require time to correct the chg as they are require to.

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 2023-08-12
Company: Experian Information Solutions 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:
my rights are being violated under 15 U.S. Code 1681c-2 and 15 U.S Code 1681b

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 2021-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company showed up on my credit reports and I have no business with them. I hired a company for credit repair services by the name of XXXX and credit repair to service my account. They stated they could not discuss my account with them without my signed signature. I refuse to sign anything and give it to this company I have no business with, other than the fact they are on my credit reports. A debt validation letter was sent to them via certified mail, they failed to provide the necessary information and instead of sending the information that was asked for, they sent a letter that makes absolutely no sense and does not answer all the questions on the original request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Companies switched companies and gave a stolen Id debt to the new company. the bureau validated " A debt '' without the consumer, which is me. Im particularly writing because of the Federal laws broken that i added to this file. this company is in violation of many laws and i am pursuing further actions because of so. As the consumer, i never gave written consent to post anything about me on my consumer report. which by law is considered theft 15Usc 1681 b - permissable purpose.

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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had to file a complaint about fraudulent accounts found on my credit report. I have filed a complaint about these unknown accounts. I never received any documentation nor a response from the 3rd party collections or credit bureaus. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have unknown addresses and misspelled names on my file as well.

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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX TransUnion Committed IDENTITY THEFT BY furnishing a consumer report without my authorization, consent nor did I benefit from the consumer report being furnished named " XXXX XXXX '' ACCOUNT NUMBER : XXXX which according to the FCRA they didn't have permissible purposes to furnish that report which my written instructions is needed to furnish that report. TransUnion also furnished consumer reports on XX/XX/XXXX, and XX/XX/XXXX accounts named " XXXX XXXX XXXX XXXX', AND XXXX XXXX XXXX XXXX XXXX without my authorization and or consent neither did they have my written instructions. TransUnion is now civilly liable pursuant to 15 USC 1681n for the furnishing of all consumer reports known as accounts without consent. On XX/XX/XXXX I sent a notice of FCRA violations certified mail receipt number : XXXX XXXX XXXX XXXX XXXX to TransUnion Consumer solutions of the Said violations of the FCRA with a 1 page copy of the law stating the violations.

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 2022-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX  XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX, 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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Last year 2022 my mortgage company XXXX XXXX offered homeowners who were struggling with the Covid 19 pandemic a forbearance plan for their mortgage payments. Mine was put into that. My mortgage payments are not 9 payments behind they are current and up to date. I am Not behind on any payments. Ive already spoken with them about this issue and they informed me to dispute the claim as this was not supposed to be reported to the credit bureau as any form of missing payments. This has tremendously impacted my credit score. I would like this matter resolved as quickly as possible.I have already disputed the claim but it did not get resolved.

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 2022-01-12
Company: Bread Financial Holdings, 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 have been experiencing issues with Identity Theft for the past 10 years. I was apart of several data breaches, including XXXX, insurance companies and banking. I have been constantly working to get my credit issues addressed, with only 25 % of corrections being made. The companies are not assisting, which is frustrating because I am a victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: NC
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:
A dispute was placed on the account XXXX XXXX XXXX account number XXXX. This account is reporting inaccurate information. This company failed to properly investigate the account. They broke consumer laws by failing to do so.

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 2023-01-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.

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 2019-07-24
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 I received an alert from XXXX that credit card from PayPal was inquired an or opened under my name and SS number. I did not try to open one.

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 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have 2 inquiries within the last few weeks that I did not authorize. One for XXXX and the other is for XXXX card services both take place in XXXX XXXX 2019. I went to XXXX but they did not see anything on file for my name. 2 hard inquiries within a couple of weeks that i did not authorize leads me to believe that I am a victim of 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 2023-08-08
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX Has attempted to or may have successfully opened lines of credit, via PayPal and apparently Venmo Visa XXXX I am receiving letters I have never applied to or authorized this Synchrony, PayPal and Venmo Visa. Would the FTC please help me?

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 2022-11-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting actconvergent account XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
The following have also violated my rights to privacy by reporting hard inquiries that destroyed my credit rating without my written instructions. 

XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXXXXXX XXXX  Location XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/2022, XXXX ( XXXX ) XXXX XXXX PurposeCREDIT TRANSACTION XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( XXXX ) XXXX Type Location XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX TypeIndividual Location XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX and XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT 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 2021-11-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed this information shared with credit reporting agencies from XXXX XXXX AND XXXX XXXX  several times for an alleged debt. I have notified them repeatedly providing evidence that this account was listed twice on my report along with non consistent information and yet still and all they send me correspondence stating it is verified. One alleged debt is being reported as two alleged debts and is also inaccurate & never verified by me the consumer. It is very harmful to my reputation causing me financial harm by reporting this information that is alleged, incorrect and I have never validated this alleged debt. They state that its has been investigated but failed to provide me with the names, addresses and information used to investigate and verify this alleged debt. I am struggling with this and this is negatively affecting my life and causing me harm. Transunion, XXXX, XXXX XXXX XXXX and XXXX they all ignore, and disregard my consumer rights that they have violated and continue to violate when they keep publishing this incorrect information about me.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX and transunion are reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Cascade CISS Holdings, LLC
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:
Good day, After discovering UNSOLITICED inquires on my credit record, I sent the following email to XXXX on XX/XX/XXXX. 

To Whom it may concern, I was just reviewing my credit when I noticed an inquiry from " XXXX XXXX ''. Why PRECISELY are you inquiring about my credit??? I didnt authorize ANY action of this nature, yet it is clearly and negatively affecting the status of my credit. If you do not remove it and/or contact all three credit reporting agencies and ensure its removed entirely AND explaining this was done in error, you will be on the losing side of a VERY expensive lawsuit. I NEVER instigated this action, so its in YOUR best interests to see it removed from my credit history IMMEDIATELY. Capiche? 


XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They replied the following day with this : Good morning, Thank you for reaching out regarding this issue. XXXX is defined by the Fair Credit Reporting Act as a reseller of credit information, and we provide credit reporting services most commonly to our mortgage company clients. 

Please be advised that XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all become part of a larger company, XXXX  XXXX. We provide this information to explain why this response may appear to come from a company other than the company that you contacted. 

We would be happy to provide the name of the company that pulled your credit ; however, additional information is needed. Please provide your name, address and date of birth, and the name our company is listed in your records, if known. With this we hope to locate your information in our system. Our apologies for any inconvenience on this issue. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- In response, I sent the following the same day : Please provide the name of the company that pulled my credit info. I have supplied the information you requested in order to do so below. According to my credit report, it was " XXXX XXXX  '' who pulled my credit information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX _____________________ As of today 's date, XXXX  has failed to respond. HOWEVER ... XXXX  instigated ANOTHER UNSOLICITED credit inquiry the following day ( XX/XX/XXXX )! 

I am a XXXX veteran who's worked diligently to maintain a good credit rating. These entities ( XXXX XXXX and XXXX ) have damaged my credit by requesting completely UNSOLICITED inquiries. PLEASE do everything possible/necessary to convey to them that this behavior will NOT be tolerated. 

Very Respectfully, XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Credit Protection Association, L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection with XXXX that i paid and it is still showing up on my credit report as an open collection. I 've attempted to dispute the item with the credit bureau and the company has verified that its owed when it is n't.

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 2022-01-05
Company: EQUIFAX, 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:
I am filing this complaint because EQUIFAX, XXXX and XXXX have ignored my request to provide me with the documents that their companies have on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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