BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: NC
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 received an alert around XX/XX/XXXX, XXXX there was a collection on my Equifax report that does not belong to me. I submitted a dispute online. Equifax wrote be back and said they verified the items belongs to me. I have also written the XXXX company as well and asked them to delete this information because i have never had any account with this company. Equifax continue stop report in accurate false information on my credit file and i want hen to delete this information immediately and stop playing with my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the same issue with all XXXX credit reporting agencies for the past XXXX XXXX dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting XXXX of the XXXX student loan accounts I have. I have asked them to verify the information they had with XXXX XXXX verifiable proof XXXX and all I received were automated responses that were generated from the XXXX system they use to automatically verify an account which is a violation of the FCRA. By law the information that they are reporting " SHALL, '' meaning MUST by LAW, report XXXX XXXX accurately. Here are reasons as to why they are inaccurate : XXXX. ) They failed to include the transaction history within my credit report with each delinquent account on my credit report which violates XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( B ) " EXCLUSIONS FROM A CONSUMER REPORT '' XXXX. ) Dates of delinquency are reporting inaccurately across all XXXX agencies. If a furnisher is reporting information to each bureau, they all SHALL report the same. 
XXXX. ) Failure to notify me of delinquency within XXXX XXXX of delinquency which is a violation of XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've asked the bureaus to provide complete and maximum possible accuracy of this issue and still received an automated response of them items being verified which means they are now intentionally reporting these inaccuracies on my credit reporting after being made aware of the errors.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
REMEMBER : the account name and account number goes in the parentheses. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions * 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-11-27
Company: EQUIFAX, 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:
I have disputed the same issue with all 3 credit reporting agencies for the past 6 months dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting 14 of the 16 student loan accounts I have. I have asked them to verify the information they had with 100 % verifiable proof twice and all I received were automated responses that were generated from the E-OSCAR system they use to automatically verify an account which is a violation of the FCRA. By law the information that they are reporting " SHALL, '' meaning MUST by LAW, report 100 % accurately. Here are reasons as to why they are inaccurate : 1. ) They failed to include the transaction history within my credit report with each delinquent account on my credit report which violates 15 UNITED STATES CODE LAW 1681a ( 2 ) ( B ) " EXCLUSIONS FROM A CONSUMER REPORT '' 2. ) Dates of delinquency are reporting inaccurately across all 3 agencies. If a furnisher is reporting information to each bureau, they all SHALL report the same. 
3. ) Failure to notify me of delinquency within 21 days of delinquency which is a violation of 15 UNITED STATES CODE LAW 1666B I've asked the bureaus to provide complete and maximum possible accuracy of this issue and still received an automated response of them items being verified which means they are now intentionally reporting these inaccuracies on my credit reporting after being made aware of the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: 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. 

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 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 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 2020-12-22
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
Credit Collection is reporting fraudulent informationn on my credit file. 
I paid this account even though its not mine because they promised they would delete the account. Now they are telling me that there is NO record of the conversation!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2022 I attempted to transfer funds from omy Amex Savings to one of my external bank accounts. The bank apparently does not do phone verifications, my transfer was not only cancelled, but blocked for fraud and my accounts closed. Both info matched both incoming and outgoing accounts, names, addresses etc. No fraud in the slightest. 

I was told I was going to be sent XXXX checks on my closed accounts. They never arrived. I had to fax account indemnity forms over and over before it was finally acknowledged they were received. Because the checks never arrived, I was told that I need to file a stop check and indemnity form for each account. Over and over I was told the forms were emailed, mailed etc but there was never an attachment. After finally requesting a supervisor, he personally emailed the form o to me. 

I filed a form for each account and again ... Nothing in the mail, no phone calls etc. Here it is XXXX, and this has been going on for long enough. 

Last communication was telling me I did not check the box asking if the checks were going to be reissued. Yes I left it blank because why would you ask me?? Of course I want the checks re-issued. I've been trying to get them for 6 months. I resubmitted the forms with the boxes checked and stiff nothing... not a call, email, letter, etc. 

This needs to be fixed. It has been long enough

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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: 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-07
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 fraud alerts or security freezes

Complaint:
Company is XXXX Ive been dealing with fraudulent activity for a while now and there was charges done without me knowing or consent this company had made it difficult to where they freeze my account and made it to where I became late and effected my credit history as part of few other cards and crisis Im currently experiencing.

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 2022-11-27
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In early summer of XXXX  I received a call from US Bank saying there was some fraud on my account in the amount of approximately XXXX. That fraud was blocked and the money was returned to my account. US Bank also issued me a credit card with a borrowing limit of XXXX. 
A few days later, when checking my accounts I noticed that all my money ( approx XXXX was gone and my account was at negative XXXX. Also, the credit card they had given me had been charged XXXX by the same people that committed the original fraud. I have tried extensively to have this problem fixed. US Bank has stopped taking my calls and refuses to reopen the fraud complaint. Im only trying to get my money back and be absolved of the XXXX in debt that I did not accrue.

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 monetary relief
Consumer complaint received 2023-04-18
Company: Credit Karma, LLC
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: Personal information incorrect

Complaint:
Today XXXX. XXXX, 2023 tried to look up credit report on Credit Karma through XXXX and my social security number and address not matching my name. I do believe there was an identity theft and worried cause I'm unable to apply for anything. Would like to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-04-07
Company: Experian Information Solutions Inc.
State: NC
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 please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Sir/Madam, I am writing to dispute a late payment that has been reported on my XXXX and TransUnion reports by XXXX XXXX XXXX XXXX The account was opened on XX/XX/2022, and I believe this to be an error. 

I have never been late with any payment, and this is my first time experiencing such a problem. I am at a loss as to what to do, and I am seeking your assistance in rectifying this issue. I am confident that I have been timely in all my payments to XXXX XXXX XXXX, and I will do anything to prove it. I have been a responsible borrower, and I take my credit history seriously. 

I understand that a good credit score is essential for financial stability and security, and I am committed to maintaining an excellent credit rating. I am aware that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccuracies in my credit reports. I am exercising this right to dispute the late payment reported by XXXX XXXX XXXX. 

I am confident that I will be able to prove that this is a mistake, and I am requesting that the late payment be removed from my credit reports. In addition, I want to stress that I will need an advocate if this happens again. I will not allow my credit history to be affected by errors or inaccuracies, and I will fight for my rights under the law. 

I am committed to being a responsible borrower, and I will not tolerate any action that might damage my credit rating. In conclusion, I respectfully request that you investigate this matter and remove the late payment from my credit reports. I am willing to provide any evidence or documentation necessary to prove that I was on time with my payments. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ORIGINAL COMPLAINT WAS SENT XX/XX/22 TO MIDLAND FUNDING {$590.00} I REQUESTED TRACKING INFORMATION TO COMFIRM THE VALIDATION NOTIFICATION WAS SENT PRIOR TO REPORTING IT TO MY CONSUMER CREDIT REPORT AND RECEIVED BY ME ( SIGNATURE ) WHICH IS MY RIGHT UNDER THE FDCPA AND YOU ARE IN DIRECT VIOLATION OF THAT RIGHT. 
COMPANY REFUSED TO REMOVED THE TRADELNE UNTIL PAYMENT IS MADE BY ME HOWEVER WERE IS THE COPY OF THE ORIGINAL CONTRACT SIGNED BY ME? THIS ACCOUNT WAS SUPPOSED TO BE REMOVED WHILE UNDER DISPUTE AND IT WAS NOT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent collection agency a letter asking for Verification/validation of account they did not sent proper verification I have enclosed what they sent back. They didnt provide everything I requested account have not been properly verified.

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 2022-12-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2022-12-09
Company: Experian Information Solutions Inc.
State: PA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-27
Company: Experian Information Solutions Inc.
State: AL
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 sent collection agency a letter asking for Verification/validation of account they did not sent proper verification I have enclosed what they sent back. They didnt provide everything I requested account have not been properly verified.

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