BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by 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 2023-03-30
Company: Experian Information Solutions Inc.
State: AZ
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-06-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

THE INACCURATE ACCOUNTS DISPUTED FOR EQUIFAX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: 2288984 Ontario Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Here is a transcript of the call. I have not received documents they are referring to. 

XXXX Deposited a new message : " Hello. Unfortunately, our office has been retained at this time to file for a levy and a garnishment in regards to the individual by the name of XXXX XXXX. M O N E Y K E Y, our client has sent several pieces of documentation in the mail offered several ways to handle the matter, amicably. They've also sent several offers via email to the email address that's listed on the contract with them at this point in time. Nothing 's been done and our client is asked. So we contact the employer right away. Our office line here directly is XXXX. We need a return call right away. Thank you for your time. Have a good day. M O N E Y K E Y XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
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 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 writing in reference to a dispute I sent to Experian Credit Bureau on XX/XX/2018 requesting to verify, validate, and provide evidence that they had the right to report the debt of {$1900.00} to XXXX. 

Experian did not provide the verifiable proof as I requested within the 30 days. All they did was send me an update on XX/XX/2018 updating a small piece of information they already had to meet the 30-day requirement. I specificially requested evidence as I had a right to. I have yet to receive the proof that they had the right to report this debt. I am requesting your assistance in verifying that each credit bureau followed the process according to the FCRA. Based on the fact that the verifiable proof was not provided within the 30-day dispute period, I request the debt be deleted from my credit file as they did not meet the deadline to provide the information. 

Please see attached correspondence originally sent to the credit bureau, and their responses. 

Item : XXXX XXXX Original Creditor : XXXX Amount : {$1900.00}

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 2021-04-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS
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 sold my truck to a dealership and the dealership paid my lender, Toyota Financial, in full. Toyota Financial sent the release of lien to the dealership weeks ago. Toyota continues to report the vehicle to my credit report. I sold the car in XXXX. In XXXX, Toyota report it 30 days late. Last week, at the end of XXXX, Toyota reported it 60 days late. AFTER it has already received a full payoff and released their lien. I was never late on this payment once. Attached is my proof of vehicle sale in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been repaying my federal student loans since XX/XX/12 through XXXX XXXX and then XXXX  and switched to fed loans in XXXX i have always been enrolled in a income based repayment plan and worked for non-profit. i am still waiting to an updated loan count from XXXX which i requested in XXXX the only loans " counted '' have been for the months i paid through fed loans. i have called fed loans multiple times for an update and was told there is no way for them to tell me why there has been a delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
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:
CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by XXXX XXXX XXXX and XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX services and XXXX auto XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX services and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to 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 2021-02-02
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:
I have asked TransUnion several times to provide information on two separate accounts. Account # XXXX ... ... and Account # XXXX ... ... I asked that they supply information on how these accounts have been verified and have not gotten any responses from them. I also asked them to remove an address I never stayed at and to remove two employers from my credit profile.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-12-12
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX, 2017, I received notification from XXXX that my credit had been pulled for approval of new accounts. This was one of many as I was a victim of the XXXX data breach and had several accounts through several companies opened in my name. So far, they have all been resolved except XXXX. Here is an outline of events. 

1. XX/XX/XXXX - I received my first notificaiton that something was off. Credit was pulled on XXXX XXXX according to paperwork received from XXXX. 

2. XX/XX/XXXX - I sent my first communication to XXXX. Spring has no fraud department contacts you can reach via telephone. Literally could not get anyone on the phone to speak with about this so I sent an email from my work account. The email was sent to the " XXXXXXXXXXXX '' address. 

The first rep to reach out to me had the name " XXXX XXXX '' from the Credit Business Operations department. She asked to provide my name, phone number, and address. I sent that same day. 

A second rep from the company whose name only came across as " XXXX '' from the Credit Business Operations department directed me toward a link where I had to fill out a packet and mail it to XXXX. The packet had to include a police report and other signed paperwork. 

3. XX/XX/XXXX - I had already had a police report filed through XXXX Police department ( XXXX, OH XXXX ). This report was for an XXXX account that was opened and the situation handled. I appended the XXXX account to this police report so that I would have it for XXXX. I filled out the paperwork and sent it in as well. 

4. XX/XX/XXXX - Not hearing anything from XXXX in almost a month, I reached back out and let them know that I would be looking into getting a lawyer if they would not assist me. They told me they would escalate the case and open the investigation on their side immediately. They never acknowledged receiving the packet and I feel it is lost in transition somewhere. This response came from " XXXX XXXX. '' in the CBO office. 

5.XX/XX/XXXX - Still hearing nothing from XXXX, I emailed yet again ( as I mentioned above, no number to call and they wo n't connect you to anyone from the customer service line ). The rep was " XXXX XXXX. '' again who told me to go into a XXXX store to speak with someone. 

This has been the most frustrating and inconvenient experience ever. It 's bad enough that someone stole my identity, but then XXXX makes it impossible to get it resolved. They now have my account in their collection department " XXXX XXXX ''. I spoke to a gentleman there who notated the account of what was happening. He was actually more helpful than anyone at XXXX. My account is still opened with their credit collection department and I 'm at a loss at this point. This post was created XX/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 explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX- XXXXXXXX XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX PUBLIC RECORDS : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX contacted these companies multiple times it been over 60 days and now fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
I XXXX XXXX sent Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. These companies under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there first investigation and subsequent reinvestigation, companies stated in writing that companiesverified that these items are being reported correctly? Who verified these accounts? Companies have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

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 2021-05-08
Company: Experian Information Solutions Inc.
State: IN
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:
Previous dispute with XXXX XXXX. I was sent a letter from XXXX XXXX on last dispute, which CLEARLY states incorrect COMPLIANCE DATE/DOFD! This letter claims DOFD to be XX/XX/XXXX. My report, and payment history REPORTED by XXXX XXXX CLEARLY states DOFD as XX/XX/XXXX! This is over a year discrepancy, and is ILLEGALLY RE-AGING MY ACCOUNT! 2 attached file will CONFIRM! This is a violation of my rights! Remove account IMMEDIATELY!

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 2019-10-31
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2017-12-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I sent a credit card transfer payment to XXXX XXXX XXXX for {$360.00}. It was for their return book program, where if a store can not sell the book this is a one year insurance that they can with my book XXXX XXXX XXXX XXXX XXXX. 
I called there sales representive and got one person saying the book money failed to go through and another saying it will take days to go through. All this was verbal. I need something in writing saying my payment was excepted and the service is happening.I am complaining because I am getting mixed signals verbally. I need assurance my money transfer and service is effective. 
Was the money taken from the American Express Account by XXXX XXXX? I would like to know : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Toll-Free Phone Number XXXX Fax Number XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation