BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After pulling my credit report I notice that there is a car loan on my report for {$37000.00} creditor Regional Acceptance. I no longer have this vehicle, nor tag etc. This account was closed as stated on my XXXX report as of XX/XX/2021. This is hindering me from getting another loan due to the large amount says owed. This is the only bureau in which this loan appears on and I am requesting it be removed 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 explanation
Consumer complaint received 2023-03-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have obtained my credit report and found there accounts I never opened, addresses I never resided, inquiries I never made and even a different variations to my name. I also found this account that I believe not to be mine from LVNV Funding LLC. It is in the amount of {$1400.00}. I am not liable for this debt and I do not have a contract with said company. Police Report and FTC Affidavit are attached with this complaint along with disputes sent to the bureaus. I also filed complaints thru XXXX Please delete this account from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
I found a complaint with the Ohio attorney general 's office I filed a complaint with XXXX XXXX personally and I also wrote two judges XXXX XXXX XXXX XXXX agreed to give me a loan modification I had a bankruptcy dismissed and I missed it at XXXX XXXX sold my home and had me evicted from my own home there's still on my credit report I had no knowledge of the title being taken out of my name and they're making it impossible for me to obtain housing due to the inaccurate reporting on my credit I would like for XXXX XXXX balance amounts to be zeroed out and for the eviction to be removed I paid taxes on my property and then my property was taken out of my name which currently left me homeless I'm trying to obtain housing and the credit report is holding everything up. I contacted her and was told this is clearly mortgage fraud and more action needs to be taken in reference to this issue..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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 sent TRANSUNION DISPUTE DEPARTMENT an FTC Identity Theft Report, Cover Letter, a color copy of my ID, a color copy of my Social Security Card, and a copy of a bill with my address on it via certified mail with a return receipt on XX/XX/ in regards to a fraudulent account reporting on my credit report. This account is a XXXXXXXX XXXX  account ending in XXXX. Pursuant to 15 U.S.C. 1681c-2, TRANSUNION had 4 businesses day to legally remove the account from my credit report and failed to do so. The account was deleted. BUT on XXXX  TRANSUNION reinserted the fraudulent account on my credit report. I then filed another FTC Identity Theft Report and sent a copy of that, a color copy of my ID, a color copy of my social security card and a copy of a bill with my address on it, again, via certified mail with a return slip on XX/XX/. Again TRANSUNION had 4 business days, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, to remove the account from my credit report. After over 45 days, which is past the 30 days they have to comply per the Fair Credit Reporting Act, TRANSUNION removed the account. As of today, the account was reinserted AGAIN stating that they " verified '' the account was accurate. This makes no sense. Why would I filed Identity Theft TWICE on an account that was mine? Plus- In order for TRANSUNION to " verify '' the account, they are to send me an Affidavit of Verification signed and sworn under oath. TRANSUNION is violating my federally protected consumer rights under the Fair Credit Reporting Act. The reporting of this fraudulent account continues to cause me and my reputation severe harm and discrimination.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: WI
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:
Improper use of report In accordance with the Fair Credit Act, this creditor has violated my rights u

nder 15 U.S.C 1681 section 602. States I have the right to privacy. 15 U.S.C 1681 section 604a section 2 states a consumer report agency can not furnish an account without my written instruction.

Under 15 U.S.C 1666 b, a creditor can not treat a payment on a credit card under an open edit plan as 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 2023-03-16
Company: ENCORE CAPITAL GROUP 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:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Seation 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: U.S. BANCORP
State: NY
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:
Good morning my name is XXXX XXXX, when I recently checked my credit report, I found several unknown inquiries for personal loan, and recently somebody successfully obtained XXXX XXXX XXXX  personal loan under my name from US Bank. Additionally, I do not live in United States and, I am not citizen or permanent resident, last time I visited US was in 2021 ( all supporting documents in attachments ). This situation is feels like my identity have been stolen to do this criminal activity, that is why I have filed identity theft report and police report. Reason for filing this report is to ask US Bank to investigate this situation and help me to recover from this situation. Below are the details of that account US Bank loan number : XXXX First and last name of victim : 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 2023-03-16
Company: Experian Information Solutions Inc.
State: SC
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. 

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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have made numerous attempts sending letters demanding that transunion and XXXX  follow the law and removed several accounts from my credit report. These two bureaus are in violation of 15 USC 1681 section 602, 604, 15 USC 1681c a5, and 1681s-2 a1. This is my last attempt to settle this matter outside of court. If transunion and XXXX  do not follow suit as XXXX has by removing the accounts that i demanded be removed i will be filing a claim against XXXX  and transunion for multiple violations of the laws above. Thats {$1000.00} per violation

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 2023-03-16
Company: Experian Information Solutions Inc.
State: OH
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 sent out a letter to the credit companies to remove unauthorized inquires from my credit report 30 days ago, and still no response. I also sent out a demand to comply letter because they have yet to respond and not complying with their own policies in a timely manner.

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 2023-08-02
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never lived at this address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: LA
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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as 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 2023-04-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this is my SECOND attempt. The last one you dismissed frivaously without doing your job. This one i hope for different results. Since you decided to just get rid of my first complaint i am making it again. 

I am reaching out to the CFPB to hopefully resolve this. I filed an ID Theft report back in the end of 2022. I filed a police report, and i did everything i could. Then i submitted my FTC ID Theft report to Equifax and they have refused to block the items on my report htat were part of that ID Theft. I even believe they are possibly responsible for my data getting out there because my data was in their breach and they sent me a cool {$40.00} to say, hey sorry jeopardized you. Anyway, i have the FTC report and I have reached out to Equifax XXXX times now and they not only haven't blocked the XXXX items, they have just ignored me all together. This is rediculous. I demand they respond and i am asking they just do their dilligence and block the XXXX ID Theft accounts. They have all the paperwork, i know because i sent it all certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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:
It has come to my attention that the credit bureaus keep sending me letters that the accounts I am disputing are returning as verified as accurate HOWEVER I HAVE ASKED for the credit bureaus to send me wet signature proof that the account belongs to me I have notfied in numerous occasions that I was a victim of of identity theft and feel as I am being unheard. 

Besides this the credit bureaus have a lot of inaccuracies as they do not match across the board which means they are not doing their diligence work Please investigate my case I am attaching my credit report discpancies, identity theft report and letter of what I am disputing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Global Asset Agency, Inc.
State: TX
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:
On XX/XX/XXXX, I received a " Credit Alert '' from the XXXX companies I use to monitor my credit file. On XX/XX/XXXX, the information below apparently was posted to my credit file. The company is GLOBAL ASSET AGENCY in XXXX, AZ ( probably a shell company, since the address shown below DOES NOT match their " principal office '' address - or any other of their addresses, for that matter )! Side note : I was unfortunate enough to be part of the XXXX database hack. I was notified recently by XXXX of this fact. The hackers got EVERYTHING. ALL of my personal information. And now it just so happens this happens to me. A coincidence? I think not! 
I have been monitoring my credit file for XXXX years, and I've never heard of them. My Internet research shows they have an " XXXX '' rating with the XXXX XXXX XXXX, as well as this : " XX/XX/XXXX GLOBAL ASSET AGENCY, INC. is an Arizona **Foreign** For-Profit ( Business ) Corporation filed on XX/XX/XXXX ''. Reviewing the top three most recent XXXX XXXX XXXX complaints against them, all three complaints are within the last XXXX months, and all basically say the same thing : this company is fraudulent! The minimal research I have done already shows this company does not respond to email, letters, or phone calls. I would appreciate your help. Thank you. 

Additional Info Details SourceXXXX  Alert XXXX Balance Amount {$2300.00} Is CollectionYES Open XXXX Payment XXXX XXXX XXXX ( COLLECTIONS ) Status XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have made several attempts with the credit reporting agencies on the fraudulent accounts and inquiries listed on my consumer report. I have no business with the accounts nor have I signed anything or consented to any.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: NM
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:
XX/XX/XXXX XXXX XXXX XXXX New Mexico XXXX XXXX, New Mexico XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. After reviewing my report, I have found several items that I believe are inaccurate and do not belong to me. 

Firstly, I am unaware of an account with XXXX XXXX XXXX ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I request that it be deleted from my credit report. 

Secondly, I have no recollection of an account with XXXX XXXX XXXX ( Account Number : XXXX ). Therefore, it is not possible for you to update an account that I have no recollection of belonging to me. I demand that this account be removed immediately from my credit report. 

Thirdly, I can not recognize the business of XXXX XXXX ( Account Number : XXXX ). I request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Fourthly, I have no recollection of an account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Additionally, I have no recollection of authorizing credit inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand that these inquiries be removed from my credit report as they were not authorized by me. 

Lastly, to the best of my knowledge, my account with XXXX XXXX XXXX ( Account Number : XXXX ) has never been paid late. Therefore, your reporting of my account is completely inaccurate, and it is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

I would appreciate your prompt attention to these matters and request that you provide me with written confirmation once these issues have been resolved. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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