BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
OnXX/XX/2023, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2023-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX  and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have a XXXX XXXX on my account that Im not aware of account number is # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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: Old information reappears or never goes away

Complaint:
XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX XXXX XXXX  ] XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery was sent a cease-and-desist letter in the mail, this company masks or spoofs their number to make it look like a local XXXX Tx number. This debt collector is using deceptive and harassing tactics. They will call and not say a single word after the phone is answered, only to hang up in your face after 7-8 seconds. only if you call them back then you can speak to someone as if you called them. This normally happens mid-day while someone is either working or busy at least once a day, if you don't answer to be hung up on its twice a day. The number PRS calls from is XXXX the last contact from this number I can recall vividly was XX/XX/2023 XXXXXXXX XXXX THEY OFTEN MIX THE LAST FOUR DIGITS TO MASK THE CALL!!!! therefore, it seems as if it's the first time they've called. Who calls and hangs up only in hopes to get someone to call back? THIS IS BLATANT HARRASMENT AND I NEED IT TO STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wish to dispute the following auto account on my credit report Credit Acceptance. I do not recognize this 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 2023-02-22
Company: EQUIFAX, INC.
State: SC
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 XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$12000.00}, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2700.00}, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2400.00}, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$600.00}, Original Creditor XXXX  ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: ALLIANT CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On or about XX/XX/ applied for a personal loan from the business. On, XX/XX/, XXXX XXXX at the business stated my XXXX credit report file size is to large and if XXXX could be pulled. As a note, an inquiry from this business shows that they pulled XXXX on or about XX/XX/. On XXXX XXXX XXXX, I notified the named individual at the business via email on the portal that XXXX can be pulled. She replied back that she would let underwriting know. Ten days later nothing has been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
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 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 an account without my written instructions.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-02-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I put {$200.00} dollars in the bank for the 3.75 % apy through a third party bank known as Citizens Access, for some reason, and they have no answer to this, my account is under review. All I did was transfer money from XXXX and XXXXXXXX XXXX  over to my account to leave in so that I can collect interest, and I was considering doing biweekly deposites of XXXX dollars, totalling $ XXXX. I feel like I have been scammed, and am concerned. Im reaching out to the consumer finance bureau to get Citizens Access to fix this. I tried to fix it myself, but upon reaching out, they couldn't tell me what's going on, let alone fix it. This is completly unacceptable, and since I could lose my cat, a rescue, to parvo due to not being able to get that money for his vet appointment on Friday, not only is this unacceptable, but this is also UNFORGIVEABLE. I want my money, back. Please, and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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:
Hello. I sent out the dispute letters to all 3 major bureaus on XX/XX/XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions. ( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can 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 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this information is inaccurate because the dates etc., each bureau is showing are different. I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this information is inaccurate because the dates, etc. each bureau is showing are different. And according to 15 USC 1681 ( a ) ( 2 ) : ALL LATE PAYMENTS ARE ILLEGAL TO BE REPORTED ON MY REPORT!! I demand that ALL LATE PAYMENT TRANSACTIONS BE REMOVED FROM MY CONSUMER REPORT. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, unauthorized or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance *Original contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Portfolio Recovery Associates , LLC BALANCE {$4300.00} DEBT OPEN UP XX/XX/1999 They have continued to collect {$38.00} from me monthly..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. My information may have been impacted by the data breach and may have got into the hands of the wrong person.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE REMOVE THE FOLLOWING INQUIRIES AND ACCOUNTS FROM ALL THREE CREDIT BUREAUS IT DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

EXPERIAN INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

EXPERIAN ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never applied for a Bank XXXX XXXX credit card from XXXX to XXXX The account # on my my credit report is XXXX. Someone else did this by using my information which this is fraud and theft. This needs to be remove from my credit report from all XXXX credit bureaus.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: CO
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 this account has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;

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 2017-04-20
Company: Advanced Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have a collection on my credit from advanced collection for {$24000.00} from   XXXX    XXXX . i have tried to contact both agencys and was told they could not provide me with any documentation where i authorized these charges or have any knowledge of being charged for this or what they are for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent out dispute letters over and over again since the begining of this year, in XXXX The laws states that I have the rights to a fair and correct reporting. I need these accounts to be deleted now. I have not given my permisson for anyone to share my info or to put anything on my credit without my written permission. 

XXXX ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX account # 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 2023-06-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX Account Number : XXXX incorrectly reported as a charge off and repossession. FTC law and Federal Truth In Credit Reporting Disclosure Act protects my credit from any delinquency reporting after seven years. There should be no lates on my credit report for all open credit cards. I prepaid my account one month in advance before any due dates for all opened accounts to avoid any future problems as a catalyst.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
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: Their investigation did not fix an error on your report

Complaint:
There is a XXXX XXXX XXXX credit card ( closed ) showing up on my credit report which is not my account. This account belongs to someone else and it shows be removed from my credit file.

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