BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : Self Lender {$520.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2023-02-26
Company: Upgrade, Inc.
State: NY
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:
Upgrade access a copy of my XXXX consumer report without my authorization. I never gave authorization for upgrade to access my XXXX consumer report. I sent a notice of dispute for unauthorized credit inquiry through mail as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: LendingUSA
State: NY
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:
LENDING USA accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: CA
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:
I have submitted and to you nd i dont get a response withn 30days and you will are required by law to do so please investigation my dispute please. thank 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 explanation
Consumer complaint received 2023-04-25
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:
I need these accounts removed as they are in violation of the 1099.. a charge off is supposed to be charged as ordinary income.. so it is illegal for this to be on my consumer report. XXXX has removed these accounts now I need you XXXX and Experian to delete these following accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is aggravated identity theft! 
18 U.S. Code 1028A - Aggravated identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: The Outsource Group, Inc
State: GA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
On XX/XX/14 I received a description of service with the type of XXXX I had and other personal information. Then I was send an itemized list from a third party with all the different types of medications I was given and all the types of XXXX  that was use on me, etc. It came from the third party company. I feel that my privacy was violated and Im not sure what to do about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
am writing to delete the following inaccurate, contradictory information in my file. The items I deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Original Creditor- XXXX XXXX- Amount of Dispute- $ XXXX Medical- Hospital bill after my XXXX  XXXXXXXX XXXX XXXX I have insurance and told them all the information and to go after them ... XXXXthey didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX- .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a bad XXXX ... .Thanks

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 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When I pulled my credit report last week, I noticed a few accounts that are reported inaccurately. I would like to refinance my Mortgage in a few months and these inaccurate accounts are pulling down my credit score. I need to see a new report that shows the differences in the accounts I applied for a credit card with XXXX XXXX yesterday and was denied. Im assuming itss due to my credit score ( and the scores low because of the accounts ) XXXX This account needs to be deleted because it is reporting inaccurately. this account Date last active was re-aged from XX/XX/XXXX to XX/XX/XXXX. How can this account be re-aged if it was reporting once as a discharge through bankruptcy chapter XXXX? this is reporting fraudulently and needs to be deleted from my credit report. 

I have attached proof with credit report that I have pulled from XXXX to current

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 2019-12-17
Company: Experian Information Solutions 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:
incorrect information defamation of my credit historyXXXX XXXX 60 days late fcra violation see attach police 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 2022-01-14
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Affirm.com allowed my account to be hacked into. I once did have a valid one time line of credit with Affirm.com, but I paid it off in full. On XXXX someone used this should-of-been-closed Affirm account too buy laptop and micro wav at a XXXX. My XXXX XXXX  was getting ready to debit {$140.00} in my XXXX XXXX Account, but I was able to put stop payment in place. Affirm.com told me the account was hacked and gave me a XXXX XXXX  link where it started. I begged Affirm.com to shout down my old account yet it remain open. On XXXX the same day issue came to light I opened dispute case in this matter with Affirm.com, and they claimed they would email me a reply within a week. To this day Affirm.com has not gotten back with me. I managed to view a copy of my credit report and there's no record of any new line of credit with XXXX of Affirm.com! But someone is still trying to reenable my bank auto bill pay on this hacked XXXX issue! Call Affirm.com few time more, but they will not confirm account legally closed! Also when I opened my real Affirm account for credit on a watch at XXXX & XXXX I made one extra payment before it was due but I never saw credit for extra payment at payoff time. I want account closed and balance due me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of the XXXX and XXXX and OPM breach. I have found several instances on my credit where identity theft has occurred. Im working with my attorney and the FTC, notifying these debt collector companies of the fraudulent accounts they have. 

The credit bureaus have already been informed of this account and the FTC ID Theft report and removed the XXXX account. Radius Global Solutions LLC however has ignored the FTC ID theft report I sent and the credit bureaus confirming its a fraud account and continuing to try and scam me for a fraudulent debt the bought from another debt collector who was ALSO notified over a year ago that the account was due to fraud. 

I have sent Radius Global Solutions LLC a SECOND dispute on XX/XX/23 the first was sent XX/XX/23 of the fraudulent account they purchased. Their response was a one page copy of some bill to state to me that they validated the debt. 

When I clearly asked them for the original contract and to notify the electric company that it was fraud and my written contract etc with the FTC ID Theft report and notification of this debt having been deemed fraudulent BEFORE they purchased it from the previous debt collector. 

To continue to harass an identity theft victim who is trying to get their life back is abhorrent. We already go through enough stress and anxiety dealing with this situation.

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 2019-12-17
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX Accounts # XXXX XX/XX/2019 Balances {$660.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the XXXX office they are available ... thank you very much I hope solution immediatel

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
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:
incorrect information defamation of my credit historyXXXX XXXX 60 days late fcra violation see attach police report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax should n't divulge my information without my consent. No consent was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 did not change the incorrect information. My loan from XXXX was changed to XXXX. I was not informed of status during covid-19. it showed 120 days past due. The loan was consolidated and paid off and transferred to a new servicer. The late payments were not removed even though they are not my servicer. I am current on XXXX but it does not reflect 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 2019-12-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I asked for XXXX  And Experian to do an independent investigation and they didn't. Because of this, I have re-sent my previous dispute letter with the one that was mailed out mid of the year and I need for this to remove or delete per my original request. These do not comply with FCRA regulations. 
I need to see the paperwork that shows how these were investigated. I also need to see where this information originated from because I've provided direct facts from the credit report. These facts can not be refuted! How can they state that they are accurate when I've clearly pointed out exactly why they can not report? 

XXXX I need to see the proof that I was ever late or this needs to be updated XXXX this is still reporting with an inaccurate court name and this is now in violation of section 1681, 609 and 603.

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 2019-11-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX MIDLAND FUNDING LLC removed ALL of my funds from my both my savings and checking accounts at XXXX  XXXX XXXX. They continue to do so, including my child support depict deposits. In addition to these unexpected actions, MIDLAND FUNDING LLC removed an additional {$15000.00} from my checking and an additional {$15000.00} from my Savings. I spoke in person and phone multiple times with XXXX  XXXX XXXX and they could only say this is a garnishment, appeared very uninformed themselves, and allowed this garnishment without any provided documentation proving that this is a valid garnishment. MIDLAND FUNDING LLC was then put on the phone with me ( without my knowledge or permission through XXXX  XXXX XXXX Branch Management ) and said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company called XXXX, which is false and this debt has nothing to do with me, nor do any of my credit reports show this debt. They still continue to take funds out of my accounts, including my XXXX XXXX payment. I have had zero communication with this company and there have been NO papers served to me prior to these actions about any court case. They do not have the right to take my funds out of my accounts and an additional over {$31000.00}. XXXX XXXX XXXX has not protected my funds and they also have not previously contacted me about these actions, nor have I had any communication with MIDLAND FUNDING LLC. Neither have shown any documentation proving that this garnishment is valid and why they honored the garnishment. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. XXXX   XXXX XXXX has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with XXXX  XXXX XXXX a couple of weeks prior to these events. This is a crime and I have been wronged, my accounts are in the negative and my own funds not accessible while I'm in XXXX  and raising my daughter as a single mother. MIDLAND FUNDING LLC, after my own personal research, have multiple names and seem to illegally acting under different names. Any money removed from my accounts is not acceptable and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an email from Experian cancelling my free credit monitoring as a result of hacking in XX/XX/XXXX. They also informed me that my credit freeze was lifted. I have tried to log into my account with no success to put the freeze back on. Am unable to access my 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 explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: MI
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: DE
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$17000.00} XXXX XXXX {$50000.00} XXXX  XXXX XXXX {$1200.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$690.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$2500.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$250.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$160.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$320.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX {$400.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1300.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 has violated my rights. 

15 U.S.C 1681 section 602 A states I have 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 1681-2 ( 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 accurate.

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