BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: LA
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 value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX ACCEPT Date of inquiry XX/XX/2020 ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA 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 2022-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I'm applying for credit card and my identity was stolen about XXXXyears ago. I need my own money back and my namevOFF XXXX XXXX XXXX PLEASE

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 2022-07-29
Company: EQUIFAX, INC.
State: GA
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 ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts that were reporting in error. 

XXXX XXXX  XXXX Balance : {$2500.00}, XXXX XXXX  XXXX XXXX Balance : {$8600.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXXXXXX XXXX Balance XXXX {$650.00}, XXXX XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
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 has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX & XXXX has violated my rights. 

XXXX / XXXX / XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2022-09-23
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Crdit Reporting act XXXX Account # 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. 

XXXX XXXX - XXXX XXXX XXXX XXXX OF 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 2018-08-30
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and i have been trying to work with the Credit bureau and th collection agency but have not been getting any assistance or response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Army and Air Force Exchange Service
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter on XX/XX/XXXX saying that XXXX stating that they were going to garnish my wages. I returned a letter on XXXX, XXXX asking for validation.They sent documents with items missing other pages, they were missing a whole month from XXXX They didn't wait the allotted amount of time for me to dispute and placed the wage garnish on my account. I believe they violated my rights under the Fair Debt Collection practices act. Also there is no court information so I can contact the court to dispute this. Also this alleged debt is Time barred.

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th 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, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance XXXX {$3700.00}

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 2022-12-03
Company: LAKE MICHIGAN CREDIT UNION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had an appointment with Lake Michigan Credit Union on XX/XX/22 to discuss mortgage forbearance from the CARES Act due to financial hardship from the pandemic. My mortgage is backed by XXXX XXXX and I'm not delinquent on payments. The employee handed me a Mortgage Assistance Application which required the following documentation : Borrower Assistance Form and Worksheet, Hardship Letter, 4506-T, last 30 days of pay stubs, most recent statements for all bank accounts, most recent utility statements, proof of obligations which contribute to your hardship, last two years signed Federal Tax Returns with all schedules, W2s and 1099s, and the most recent retirement account statement. I explained that the CARES act only requires that I report that I'm experiencing a pandemic-related financial hardship and that because my loan is backed by XXXX XXXX , I am allowed to request a mortgage forbearance without disclosing additional information. The employee made a phone call to another XXXX employee and shared what I said. After she got off the phone, I was told that even if the government said that there was no additional documentation needed, XXXX would still need it. I let the employee know that I would contact one of the agencies who help lenders navigate these requests and come back another time. After I left the office, I received a voicemail from another employee with XXXX. I returned the call and was pushed for more information about my need for a forbearance. I explained the CARES Act rules and that I could ask for a forbearance for up to 180 days and later request an extension. That my loan would still accrue interest but there would be no late fees and no report to the credit bureau that I was delinquent. How the missed payments would be repaid would be figured out between me and XXXX. The employee acted like she didn't know about these rules and kept pushing me for personal information so she would know which forbearance plan would best suit my needs. She also said that a forbearance might still negatively affect my credit and the missed payments would be due in one lump sum after the end of the forbearance. I explained that the CARES Act prevents mortgage services from requiring a lump sum repayment unless the borrower chooses to do so. I added that a foreclosure notice would be much worse for my credit than having a mortgage loan that wasn't decreasing in amount. I again shared that I would be reaching out to an outside agency to help me navigate this issue.

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 2022-07-03
Company: Experian Information Solutions Inc.
State: GA
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 the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the the fair credit reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights.

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 a 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 non-monetary relief
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: VA
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 recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX {$0.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
For five plus I continue to request a copy of the permissible permission used to access my credit report in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX. I have yet to receive. Both companies play the attorney games and continue to ignore and deny any wrongdoing.

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 2022-09-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-07-03
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the follwing imformation in my file. the items i need deleted are listed in rbe report. i am a victim of idneity theft & did not make the charge. i ask that the items be deleted to correct my credit report.i reported the theft of my idenity to the Federal Trade Commision & i also have enclosed copies of the Federal Trade Commsions Idenify Thef Affidavit, please delete items as soon as possible.

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 2022-06-08
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have reached out to Southwest Credit Systems requesting information which I have yet to receive. Southwest Credit systems also continued to report the debt after they received my letter. Southwest Credit Systems is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Continental Finance Company, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Under 15 U.S.C 1681i ( XXXX ) method of verification, this account is in violation ; it was reported without valid evidence. Also, I had no knowledge of 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 2022-12-03
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/29, I received an email from Venmo that my account had been temporarily frozen and asking me to provide my identification. I did so within minutes of receiving the email. Today, XXXX, I received an email stating that my account has been permanent XXXX because of concerns. They will not let me transfer money out of my account. I have emailed with the person who sent me the email and asked for clarity and additional help and the response has essentially been too bad and no. I have also tried to reach out via phone, mobile chat, XXXX, and other avenues and all have directed me back to emailing with the original associate. I am a partner at a major law firm and have done nothing to violate the User Agreement, which I reread today. Indeed, the only thing that has happened to my account recently is that I have been targeted by what look like XXXX  trying to transfer {$0.00} into my account and asking me to transfer money to them. I have blocked as many of those people as possible. I can not believe that Venmo would treat people this way and refuse to permit me to transfer my own money to my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: PA
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 writing to delete the follwing imformation in my file. the items i need deleted are listed in rbe report. i am a victim of idneity theft & did not make the charge. i ask that the items be deleted to correct my credit report.i reported the theft of my idenity to the Federal Trade Commision & i also have enclosed copies of the Federal Trade Commsions Idenify Thef Affidavit, please delete items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the follwing imformation in my file. the items i need deleted are listed in rbe report. i am a victim of idneity theft & did not make the charge. i ask that the items be deleted to correct my credit report.i reported the theft of my idenity to the Federal Trade Commision & i also have enclosed copies of the Federal Trade Commsions Idenify Thef Affidavit, please delete items as soon as possible.

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 2022-09-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax has not removed XXXX  collections from XXXX XXXX. I have also disputed numerous accounts and the information never gets corrected. My credit score has been XXXX for quite a while. The reporting from XXXX and XXXX XXXX XXXX are erroneous.

Company response to consumer: Closed with explanation