BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
Company: Experian Information Solutions 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:
I CLIENT NAME recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

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 2020-05-12
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/19 : XXXX XXXX Hospital {$3400.00} & {$1100.00}. Tried disputing with company to no avail nothing happened. Tried getting help paying bill thru assistance program

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed an identity theft report in XX/XX/XXXX and there is still showing a collection from Credit Collections SVCS for {$320.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received your response that you wont process my to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00} Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Back in  XXXX  I pulled my credit report from all  XXXX  agencies. I noticed incorrect info on my account such as address I never lived and phone numbers that did n't belong to me. I contact all  XXXX  agencies to add a fraud alert on my account since I believe I was a victim of identity theft. I noticed on my Transunion report multiple inquires that did not pertain to me. I sent a letter and followed up with multiple phone calls and I cant seem to get these fraudulent inquires off my account. Transunion keeps giving me the run around.   The inquires in questions are as followed :   XXXX   XXXX   XXXX /2016  XXXX   XXXX /2016  XXXX   XXXX   XXXX /2016,  XXXX  2016   XXXX   XXXX /2016  ( DUPLICATE )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
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: Their investigation did not fix an error on your report

Complaint:
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report. Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Last Reported on XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Last Reported on XXXX XXXX, 2017 Balance {$150.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX. XXXX, 2017 Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX. XXXX,2017 Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX. XXXX, 2017 Balance {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX XXXX, 2017 Balance {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Last Reported on XXXX XXXX, 2017 Balance {$850.00}

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 2022-09-09
Company: EQUIFAX, INC.
State: NV
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:
I have no memory of this account XXXX XXXX Opened XXXX {$140.00} I have no memory of- XXXX XXXX XXXX Opened XXXX {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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 Fair Credit Act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : 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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Bank Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. Bankruptcy XXXX XXXX Reference # XXXX, has violated my rights. 
XXXX. XXXX  XXXX Reference # 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 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 2022-03-13
Company: Lendbuzz Inc.
State: TN
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:
Since i opened the account with lendebuzz they haven't actively report the account to the credit bureaus, i had made another complain before witch they only reported the months before but they never reported again since 6 months ago, on my experian doesnt even show up Which is a clearly violations of Fair credit act, i had paid my loan already and they haven't reported yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
To whom it may concern, 15USC 1681 section 602 states I have a right to privacy. My rights have been violated numerous times by the credit bureaus. 

15USC 1681 section 604A section : 2 also states a consumer reporting agency can not furnish an account with out my written consent. I never provided written consent for any reporting. 

15USC 1666B creditor may not report a payment on a credit card account late for any purpose.

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 2022-09-09
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX acct # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX 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 2017-06-19
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In  XXXX   XXXX  I canceled my mobile plan with  XXXX   XXXX   XXXX  and left the country. My account was successfully closed and the company told me I had no other obligations.     I later found out there was a final bill that was generated in  XXXX   XXXX  of about {$120.00}. I did not receive any email about this bill, nor any mail to my previous address about this bill.  XXXX   XXXX   XXXX  sent my bill to collections without notifying me of the bill.     I found out through a credit check that I had an account in colle ctions ( Diversified Consultants ) i n  XXXX   XXXX . I tried calling  XXXX   XXXX   XXXX  as well as the collection agency to remove this from my  credit score. I also filed a dispute with the credit agencies and paid off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I received a check for amount of {$6000.00} from   XXXX   XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX  do their banking with   XXXX   XXXX  . Check was made to me (  XXXX   XXXX  ). So i signed back of check and ask my wife to deposit it, few days later i check my account and did not see a deposit posted yet so i asked my wife if she deposit the check. Finally we found out the she lost the check.     I contacted  XXXX   XXXX  ask them to stop the check and send me another check but they told me that the check has been cashed at : *Well s Fargo Bank in Arizona ( I live in Georgia ) *Cash ed o n  X/X/2016     *Routing # :  XXXX  *Seq # :  XXXX .      Teller w ho cashed the check, did not get any identification for check cashing and there is no information of who cashed the check.     I have talked to  XXXX   XXXX ,   XXXX   XXXX   and  Wells Fargo B ank several times but they have not help me so far. It is been almost 9 months and i have not helped yet. Please help me to solve this matter and get my {$6000.00} back Contact at  XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX , Ga.  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

XXXX  XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$340.00}.

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 2022-09-09
Company: Experian Information Solutions 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:
To whom it may concern, 15USC 1681 section 602 states I have a right to privacy. My rights have been violated numerous times by the credit bureaus. 

15USC 1681 section 604A section : 2 also states a consumer reporting agency can not furnish an account with out my written consent. I never provided written consent for any reporting. 

15USC 1666B creditor may not report a payment on a credit card account late for any purpose.

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 2022-09-09
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:
Please be advised this is my XXXX WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX. XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}.

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 2021-05-11
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: Investigation took more than 30 days

Complaint:
I review a copy of current credit report and show inquires listed I have not authorized to apply of credit please delete inquires listed below off my credit report. 

Creditor Name : Inquiry Date : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2022-09-09
Company: KEYCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
KEY Bank Breach of contract under Expectation Doctrine Good Faith Doctrine Good Clause Doctrine the bank held XXXX of my money for a secured credit product they offer with the promise there secured credit card product will graduate to a unsecured product will graduate in a year held my XXXX for 14 months and product never graduate the account was managed by consumer correctly with no problems my deposit was returned in full however the credit product was denied Key Bank was only interested in deposit accounts and had no internet on honoring there credit card product this is also discriminatory!

Company response to consumer: Closed with explanation