BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, and 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 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022

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 2022-08-19
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: Information belongs to someone else

Complaint:
An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.

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 2023-02-02
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-05-12
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:
I checked my credit report and found some information was incorrect. 3 credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). You have no right to dismiss these reports as unaudited information unless you provide evidence within the time allowed by law. Due to inaccuracies in my credit report file, I need to investigate and correct the following items. 
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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXXXXXX 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 2023-02-15
Company: Cash Time Title Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I defaulted on the loan initially bc I was out on medical leave from work. The end result was a judgement. They also never updated my address to receive the court notification. Ask XXXX to do so before it ended in litigation. That never happened. It went to court found out through the court because they had my correct address. Call to make arrangements to pay back before garnishment of my wage. My issue is the original loan amount was XXXX on a 6 month term. They sued me for XXXX. Which also includes court filing fees. I was sued for the whole contract amount that included interests at 179 percent. I made payments arrangements with XXXX which I have kept. She sends me a month statement via email. Last one she sent had a balance of XXXX. I made another payment since then of XXXX. I called her to make confirmation the now I owe XXXX and it would be satisfied. She then sent me a email saying I owed XXXX and change. That they are charging me again 180 percent..This is predatory. I will never get this paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: AL
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:
Can the CFPB look into my problem asap? I'm attaching a letter from the courthouse stating that they do not verify bankruptcies, letter from XXXX XXXX indicating the deletion, and a copy of the dispute from Equifax stating that XXXX XXXX verified their public information. The FCRA requires that they have a verified and validated contract on file for the bankruptcies. MY RIGHTS ARE CONTINUOUSLY BEING VIOLATED and this issue is causing me a lot of stress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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: Personal information incorrect

Complaint:
Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: CA
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:
ON XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ON XX/XX/XXXX XXXX AND XXXX XXXX XXXXXXXX ON XXXX XXXX MADE AN UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I was advised by employees at Equifax and XXXX to fill this out to remove the fraudulent and unauthorized inquiries from my credit report. Please remove them as I do not recognize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXXXXXX 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 2022-08-19
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX in fact a consumer started receiving communications from XXXX a representative of RESURGENT Capitol service owned by LVNV Funding LLC on XX/XX/2022 until XX/XX/2022. I have never done business or contracted with this company, so I am confused why they are communicating with me without my direct consent pursuant to 15usc1692c that is a violation. I don't know how they obtain my nonpublic personal information also more violations. They are falsely reporting inaccurate information to my consumer report which is damaging my reputation pursuant to 15usc1681b ( a ) ( 2 ). I'm trying to take care of my family but can't because I'm stress and keep getting denied my credit. I never gave them direct consent to report anything on my consumer report. I am really tired of being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
on XX/XX/XXXX I sent out a certified letter because they are reporting a bankruptcy on my credit report. They get their information through the company LCI. When asked HOW they verified said bankruptcy, they just respond that it has been validated. With my letter I sent them correspondence from the Bankruptcy court and PACER who both said that they do NOT directly give out bankruptcy information to third party companies such as XXXX XXXX or transunion, XXXX and XXXX. Being as though they are the only legal holders if public records, there is not way for LCI to have legally verified or validated that information to give it to Transunion to report. They were given 15 days to delete the reporting and are coming close to the deadline

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 2022-11-23
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Down Payment for a home purchase on XX/XX/2022 in the amount of {$86000.00} to XXXX XXXX XXXX Inc.Acct # XXXXXXXX TD Bank.My lawyers email was hacked and this was the transfer instructions for the down payment. As far as I know to date the bank has a hold on the funds but not releasing them back to me. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: NJ
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:
on XX/XX/XXXX I sent out a certified letter because they are reporting a bankruptcy on my credit report which they claimed they verified through lexis nexis. lexis nexis does not have a bankruptcy reported on my file, there for there is no way for them to have legally validated and verified a bankruptcy. They were given 15 days to delete the reporting and are coming close to the deadline

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 2022-08-19
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am XXXX XXXX XXXX. I previously lived in XXXX XXXX XXXX, XXXX XXXX XXXX, MA - XXXX. I arrived in the US in XX/XX/XXXX for my XXXX 's as a XXXX. I then chose to sign up for XXXX as my internet provider and everything was going well. 

Following which, I moved to XXXX XXXX XXXX, XXXX, MA - XXXX for a cheaper apartment in XX/XX/XXXX and transferred my XXXX internet services into this apartment. After the transfer, I received unnecessarily high bills when I never even used the internet as was travelling and exploring New York and Boston most of the time. In XXXX, my landlord decided to install internet services for all tenants free of charge and I then discontinued XXXXXXXX 

I spoke to the XXXX customer care agents about 7-10 times on call and made sure my account was paid in full and reflected a {$0.00} charge as they told me " You will not be able to close the account until your account balance is {$0.00} ''. After successfully paying my bills, returning the equipment within the return time frame and discontinuing my services with XXXX, I have received a " Derogatory public record or Collection filed '' which has significantly lowered my credit score. 

I would like to inform you that I am a very simple XXXX  who arrived in the US to complete my XXXX XXXX education from XXXX University. I anticipated on improving my credit score but the customer care team has destroyed my credit score by filing a complaint on my name every month since XX/XX/XXXX. 

- The XXXX customer care team is extremely rude. 
- They do not respond to my calls after I prefill my account information to connect with an appropriate agent. 
- The have ruined my credit score and filed collection on my name. 
- They have not tried to help me resolve the issue. 
- The have forced me to pay the amount of {$140.00} in order to remove the debt collection on my name. 

I don't see why it is necessary for me to even pay {$1.00} when it was impossible to close my account if my balance was not = {$0.00}. 

I highly request the authority in charge of this complaint to help me resolve this issue so that I can work on my credit score and prevent paying unnecessary amounts to SCAM companies like XXXX XXXX XXXX XXXX ) who are completely blunt, rude and force you to pay an amount THAT YOU DO NOT EVEN OWE IN THE FIRST PLACE.

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 2022-06-21
Company: Experian Information Solutions Inc.
State: RI
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:
In accordance with the fair credit reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
In accordance with the fair credit reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI 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 2022-06-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
my home loan officer had ran my credit for the following mortgage loan companies without my consent XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, also a XXXX  XXXX XXXX credit card was applied for online without my consent on XX/XX/XXXX XXXX was ran on m y credit when I was getting a cell phone without my consent as well on XX/XX/XXXX Also, when I went to the dealership XXXX of XXXX ran my credit through XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX  without my consent when they said they were not going to pull my credit report. I was inquiring how much my payment would be if I bought a car with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
American Express is violating my rights as a consumer under the FCRA by slashing my credit limits after I have successfully proven to them that I make more than enough money to pay their bills and taking me through an embarrassing process. 

I was on the phone with one of their representatives for more than 2 hours to have them call my bank on 3 way, exposing my password secrets, and asking if I have money in my account to pay a bill. 

What kind of XXXX is that? A mistake to pay my bill one day before I had money in my personal account is not a reason to slash all limits on my business cards.

If Amex do not follow rules under 15 USC 1605 and 15 USC 1681 and give my rightful access to my open ended credit line, I will file Arbritration clauses against them immediately for defaming my character.

Company response to consumer: Closed with explanation