BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX XXXX XXXX stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: In progress
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My information was sold and bought illegally because i was a victim of XXXX XXXX data breach. I want these items deleted form my credit report immediately. ACCT # XXXX TXXXX ACCT # XXXX XXXX XXXX AUTO, ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX and Acct # XXXX XXXX XXXX  XXXX XXXX I am attaching proof that XXXX XXXX has admitted that I was in fact a victim of this data breach and has done nothing. Please help me deletes these illegal accounts from my credit report.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These are some of the TransUnion, XXXX, XXXX. companies to eliminate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Their investigation did not fix an error on your report

Complaint:
Per FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and non-verbal per 15 USC 6802.

In accordance with the Fair Credit Reporting act. The List of accounts and addresses 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 ( AN ( 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 trust this letter finds you well. I am writing to bring to your attention the ongoing issue of fraudulent items on my account with your company. Despite numerous attempts on my part to address and rectify this matter, I have faced significant challenges in having these fraudulent items removed from my records. 

The presence of fraudulent items on my account not only poses a serious threat to my financial well-being but also undermines the integrity of your company 's services. I am deeply concerned about the potential consequences of these inaccuracies, and it is disheartening to experience a lack of responsiveness in resolving such a critical matter. 

I urge you to conduct a thorough investigation into the fraudulent items on my account and take immediate action to rectify this situation. Furthermore, I request a detailed explanation for the delays in addressing this issue and seek your assurance that appropriate measures will be implemented to prevent similar incidents in the future. 

If this matter is not resolved within the exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which I believe have been included in error. I demand that you investigate and rectify this situation with utmost urgency and aggression. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

Upon reviewing my credit report, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an alarming breach of my financial security. 

XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

It is imperative that you delete these fraudulent accounts from my credit report immediately, as they are tarnishing my creditworthiness and causing me undue distress. I expect you to exercise due diligence in this matter and resolve it in the shortest time possible. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate and fraudulent information be promptly corrected. Failure to comply with these regulations will result in legal action being taken against the credit bureau. 

I insist on receiving regular updates on the progress of your investigation and the actions taken to remove the fraudulent accounts from my credit report. Any delay or negligence in addressing this matter will be considered a violation of my consumer rights. 

Please treat this dispute with the urgency and severity it deserves.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Im submitting today a complaint to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information that are being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 2023-11-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX charges began to occur on my Venmo/Synchrony Bank XXXX The first one was Amazon in the amount of {$71.00}. The company actually called me and asked me if I made any charges and I said NO. I said Please do NOT allow any charges that are unauthorized. They proceeded to allow thousands and thousands of charges to go through. Some of them they have refunded but there is still a balance of Fraudulent charges in the amount of {$1300.00}. ALL charges since XX/XX/XXXX through end of XXXX are fraudulent. I did not allow ANY. I have called the company well over 30 times and escalated the issue repeatedly and nothing is accomplished. I have hired a lawyer as well because this is flat out robbery, and I will not stand for it. I have over 50 emails from them sending me in circles with nothing getting accomplished. They keep telling me to wait 3 - 5 more business days. Wait more. Etc. It has now been 4 months. This is not acceptable and I need the charges credited back immediately. Totally inexcusable and I have let everyone know to STEER CLEAR of Synchrony. I hope they make this right.

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 monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: AZ
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
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 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 2023-11-06
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent letter, requesting validation of debt ; SIGNED CONTRACT. No validation of CONTRACT has been provided. Stated that if valid contract CAN NOT be provided to validate this debt then this company MUST REMOVE from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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 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 2023-11-06
Company: Experian Information Solutions Inc.
State: IL
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:
ACCOUNT # XXXX XXXX I REQUEST YOU PROVIDE ME WITH PROOF OF THIS ACCOUNT BEING LATE. IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE, PLEASE UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE. 

PLEASE PROVIDE DETTAILED DESCIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION REPORTED.

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 2023-11-06
Company: Greenberg, Grant & Richards Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/ I noticed a hard inquiry on my credit report that I did not recognize nor did I give anyone permission to pull my credit report. I then called the company XXXX Greenberg , Grant & Richards ) and was told that XXXX XXXX the person I needed to speak with just went to a meeting and it would be XXXX hours before he could contact me. XXXX hour later XXXX called I then ask why his company Greenberg , Grant & Richards was pulling my credit report and he could not give me an reasonable explanation he kept saying his client sent my information to him. He kept saying it was a commercial matter I then ask why he was pulling my PERSONAL credit for a commercial matter. I do not own a business license. I ask him to send me documents with my signature in the mail and he said he could not do that. I want this hard inquiry removed off my credit report as this company Greenberg , Grant & Richards did not have my signature or my permission to pull my credit report! Also at no time during the conversation did XXXX request conformation of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Torriere Holdings INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They sent my dad a text message this morning with my alleged collection information. My dad has a brand new phone number he got last month. I told them to not call me again and now they're harassing my family too. They can't confirm what debt I have either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Self Financial Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I became very ill in XXXX of XXXX and I missed multiple days of work. I was not able to maintain my bills and I had to take off work for XXXX months after that. I am a mother of XXXX children and it was a very difficult time for me trying to maintain my household so I fell behind on my credit card payments and a lot more of my bills. I was not able to provide a substantial income for my household and my illness affected my livelihood. I always been a consistent payer when it comes to my payments and I also have manage to get back on track with no late payments since the beginning of this year. I did reach out to Self on XX/XX/XXXX to try to get this issue resolve and they provided no assistance. I would like to continue with a positive payment history without those few late payments hindering me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
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 Gramm Leach Bailey Act, Title V, subtitle A of this act, 15 U.S.C. 6801 requires the FTC, along with federal banking agencies and other regulators, to issue regulations that financial institutions protect the privacy of consumers personal financial information. Such institutions much develop and give notice of their privacy policies to their own customers at least annually, and before disclosing any consumers personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to opt out from such disclosure. Under the Dodd-Frank Act this rule making authority transferred to the Bureau of Consumer Financial Protection . The act also limits the sharing of account number information for marketing purposes. In accordance with the Fair Credit Reporting Act, Prestige Financial Services has violated my rights 15 U.S.C. 1681b ( a ) ( 2 ) [ ( 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 data of an account with my written instructions. The company is falsely accusing me of owing them {$18000.00} for collateral they possessed and resold. In direct violation to 15 U.S.C. 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Prime Recovery LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a text from Prime recovery on XXXX XXXX XXXX " you'll rcv acct msgs from prime recovery debt collector # XXXX msg & dataratesmayapply. XXXX XXXX XXXX XXXX XXXX XXXX to optout reply stop '' Replied " stop '' on XXXX XXXX XXXXXXXX Received the exact same text at XXXX on the same day followed by 2 more texts " Thank you! You will no longer receive text messages to this telephone number. '' and " Prime Recovery Debt Collector : You have successfully unsubscribed and will no longer receive text msgs. '' XXXX at XXXX received " XXXX XXXX this is XXXX with Prime Recovery regarding your account owing {$4200.00} we can have this DELETED from your credit report within a few days after you pay it off! Call XXXX or login at XXXX XXXX XXXX Reply STOP any time to unsubscribe. '' Replied stop at XXXX same day. 
Received the same 3 texts that followed the first stop. 
XXXX received " PRC is a debt collector login to your account or call. Reply stop any time to unsubscribe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief