BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 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 XXXXXXXX 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 2023-06-10
Company: EQUIFAX, INC.
State: MD
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-10-15
Company: Experian Information Solutions Inc.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: IL
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'm victim of identity theft, my personal information has been stolen, I have sent numerous times dispute letter to credit Bureau and they didn't fix my problem. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I have attached a copy of all supportive documents for my statement

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 2023-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with Portfolio Recovery for awhile now. I have sent debt validation and never got a response and I have disputed directly with the consumer reporting agencies and all they say was the account was verified but never showed any proof. For starters the reporting with the consumer reporting agencies is inaccurate.. So you mean to tell me that every time I have dispute this account you verified different information to each consumer reporting agency?? Sounds like a violation to me. Because everyone knows that anything reporting must be 100 % accurately and since each consumer reporting agency is reporting something different I know thats not right. 
Second, I never received a contract with me and XXXX XXXX or me XXXX XXXX and Portfolio Recovery. I never received an itemized statement from the XXXX XXXX account. I never received anything showing that Portfolio has the right to collect this debt. 
Now, I am demanding this account to be deleted from my consumer reports due to inaccurate reporting and Portfolio Recoverys violation of the FDCPA/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
IVE DISPUTED THIS XXXX XXXX COLLECTION NUMRIOUS OF TIMES DATEING BACK FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 ACCOUNT NUMBER IS XXXX AS IDENTITY THEFT, BECAUSE IVE NEVER HAD AN ACCOUNT WITH THEM. IVE ALSO ASK THE BUREAU TO VERIFY THIS AND ASK HOW DID THEY VERIIFY, HAVNT HEARD ANYTHING. PLEASE HELP, ITS HURTING MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to submit a formal complaint against Equifax located in XXXX, GA., XXXX located in XXXX XXXX, FL., and XXXX located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax, XXXX, and XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax, XXXX, and XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
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 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$50000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$19000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}

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 non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have very good credit and pay my bills on time I believe I owed either XXXX or XXXX cents on a bill I was out of the country I do not use this CC much when I came back I was billed for 2 times non payment then they refunded XXXX payment and said that was all they could do. So I canceled my card that day and asked what I owed and I paid the entire XXXX. I looked at my account later and it looked like I owed another XXXX cents I paid that now I have a bill of XXXX why??? They have a return check charge I have never had XXXX in my life. I do not understand they are trying to scam and when you stay on the line and want customer service they say this number does not have that. Extra points Comenity XXXX XXXX packer card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EQUIFAX HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: PA
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:
onXX/XX/2023 I submitted a letter to Experian. Within said letter I requested that several inaccuracies be removed from my file. 

Experian did in fact remove several inaccuracies from the report, however they failed to remove several others, Specifically ; XXXX ) an address dispute for " XXXX XXXX XXXX, XXXX PA XXXX XXXX ) an Inquiry dispute for XXXX XXXX XXXX XX/XX/20233 ) an inquiry for XXXX  XXXX dated datedXX/XX/2003 It has been well over the 30 day allotment that is regulated by the Fair Credit Reporting Act

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX XXXXXX/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 2023-09-28
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to dispute items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$150.00}.

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 2023-03-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Last payment was received to account XX/XX/XXXX and shows " credited '' however the account has been blocked for use for an undisclosed amount of time as Wells Fargo investigates the payment. 

As of today XX/XX/XXXX the account is still blocked for use. Calling Wells Fargo and speaking to a supervisor only gave me the information : " The department that can unblock the account can only be reached via e-mail, they will respond in 24 hours '' In addition to the issues with the payment processing the issues conveniently prevented me from taking advantage of the account sign up bonus ( XXXX points for first 5 days, XXXX points on the first of the month ) due to the account being constantly blocked for charges. 

It is totally unacceptable for a bank to be unable to resolve this issue even in the 24 hour period that they have since exceeded by weeks. It is false advertising to offer a sign up bonus that cant be achieved due to a non working card.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: LA
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of 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 2023-10-06
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate items in my file. 
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