BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
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:
An 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has 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. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are 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 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/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 explanation
Consumer complaint received 2022-04-23
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:
THE FAIR CREDIT REPORTING ACT OUTLINES THE RIGHTS THAT IDENTITY THEFT VICTIMS AND THOSE WHO BELIEVE THEY ARE VICTIMS HAVE THE RIGHT TO BLOCK FRAUDULANT INFORMATION FROM THEIR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT. BLOCK AND REMOVE THIS FRAUDULANT 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 non-monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT WAS PAID UP. DEPUTE THESE ITEMS AND WAS PAID. [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: CO
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 ( XXXX XXXX - XXXXXXXX XXXX XXXXXXXX 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. 



In accordance with the Fair Credit Reporting act XXXX  Account # 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.

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 2022-03-29
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:
In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions 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. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different. 

Accounts - XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was sent a bogus email telling me to log into my bank so they could show me negative changes on my report. But my bank said they'd never contact me for that or in that way. They're SCAMMERS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX continues to break federal law. XXXX XXXX XXXX is reporting wrong data and different data to all three credit bureaus as you will see in the attached documents. 

With Experian they are not reporting that this is a medical bill. 

With Experian XXXX XXXX XXXX is not reporting that the account is In dispute They are misreporting the account type which should be medical billing. 

You will see how they are intentionally and maliciously reporting contradictory data across all three credit bureaus in fact not one report matches another whatsoever! 

With XXXX they are reporting The status as unpaid when this should say closed With XXXX, XXXX XXXX XXXX is not reporting that the account is In Dispute With XXXX, XXXX XXXX XXXX are not listing this account as In Dispute With XXXX, XXXX XXXX XXXX is not lIsting this account as a medical bill Under account type You will see with XXXX the account type is being reported incorrectly as open account when they have closed it with another credit Bureau, and the account type should be medical bill which it is not. 

With transunion, you will see they have not even listed account status, XXXX XXXX XXXX just reports random data inconsistently and inaccurately across all three credit bureaus with no ryhme or reason, and this is illegal and it has gone on for too long! 

With XXXX, XXXX data is reporting in the account type here collection account completely different than the other two credit bureaus! This should be listed as a Medical Bill as the type!

And the account status in inconsistent with the other reports cause they just ignored that entry. All together! 


With Experian, XXXXXXXX XXXX is reporting in the account type here collection when they have reported it closed on other Bureau reports!

This should be listed as a Medical Bill as the type!, And the account status in inconsistent with the other reports cause they just ignored that entry again this month All together!

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 2022-08-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: MS
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 am not a third party ..... 

I have filed a complaint and due to that complaint my credit report is not reported properly it was not investigated properly because how could it be investigated properly when I alone looked at my credit report and found at least 18 violations now I read a few laws and seen that everything is supposed to be 100 % accurate on each credit file now due to that my credit is still not where it should be it and it is hurting me more now for that up for whatever reason I would like my credit report revised and fixed. Now I would like all errors violations fixed and compensated for all violations.

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 2022-07-27
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit on XX/XX/2022 in the amount of {$500.00} and I was told after making my deposit that it was being held due to an investigation. I made this deposit to a joint account HIWEVER I was not aware the other person on the account had an issue with PNC bank. I have never received anything in the mail or been contacted by PNC Bank with the results of their investigation. This was a debit to debit transfer from myself to myself so why there is an investigation in the first place makes no sense to me?? This is the only transaction on this account because it was just opened when I made this deposit. Today is XX/XX/2022 and my deposit is still being held. When I call the bank it says your balance does not include deposits waiting to clear in the amount of {$500.00} which is my deposit from XX/XX/XXXX Why is it still being held??????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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:
Hard inquiries by these following companies I will list underneath broke the law according to the FCRA [ Farir Credit Reporting Act ] " NOTHING CAN BE FURNISHED ON YOUR CREDIT REPORT WITHOUT YOUR CONSENT IN WRIGHTING

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 2022-06-22
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:
Hard inquiries by these following companies I will list underneath broke the law according to the FCRA [ Farir Credit Reporting Act ] " NOTHING CAN BE FURNISHED ON YOUR CREDIT REPORT WITHOUT YOUR CONSENT IN WRIGHTING

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am not a third party ..... 

I have filed a complaint and due to that complaint my credit report is not reported properly it was not investigated properly because how could it be investigated properly when I alone looked at my credit report and found at least 18 violations now I read a few laws and seen that everything is supposed to be 100 % accurate on each credit file now due to that my credit is still not where it should be it and it is hurting me more now for that up for whatever reason I would like my credit report revised and fixed. Now I would like all errors violations fixed and compensated for all violations.

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 2022-07-27
Company: A.R.M. Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I subscribed to a newspaper, the XXXX XXXX. The newspaper failed to deliver the paper and went weeks without actually delivering it. I actually thought my subscription had expired until I saw I was charged again for a renewal. I called my credit card company to try and cancel future charges and they suggested I dispute the charge form the last renewal which I agreed to. They disputed the charge for me and credited me the money back. The newspaper then sent the charge to collections. 

After receiving the initial debt collection letter I wrote a response to the debt collection company informing them that the debt was not mine and they should not contact me again. They failed to heed my request and have continued to send me collection letters. 

The company is A.R.M solutions, XXXX XXXX  XXXX XXXX CA, XXXX, ( XXXX ) XXXX. My account number with them is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: MS
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 am not a third party ..... 

I have filed a complaint and due to that complaint my credit report is not reported properly it was not investigated properly because how could it be investigated properly when I alone looked at my credit report and found at least 18 violations now I read a few laws and seen that everything is supposed to be 100 % accurate on each credit file now due to that my credit is still not where it should be it and it is hurting me more now for that up for whatever reason I would like my credit report revised and fixed. Now I would like all errors violations fixed and compensated for all violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: NH
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, and XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX have 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.

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 2022-06-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
The loan servicer has not paused my payments/interest during the XXXXplus years in which the Presidents of the United States enacted payment pause of student loans during the COVID pandemic. During this time, Navient would guide me into forbearance and not pausing these loans, The Department of Education sent me an email ( that I have enclosed ) stating my loans should be paused until XXXX of this year by the President of the United States. However, Navient continues to call and email me about my payments during this time. 

The Department of Education sent me an email ( enclosed ) dated XX/XX/2022, stating payment pause was extended to XX/XX/2022. Navient emailed me ( enclosed ) on XX/XX/2022, stating forbearance was an option concerning my federal loans with them not mentioning these loans should have been paused since the first payment pause from the Trump Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: NY
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 XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # 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.

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 2022-06-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
i was reviewing my credit report and notice unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX Fraudulently signed a purchase contract without my consent and try to forced me to take the truck that is been siting on the loan since XX/XX/2022 ( the motor doesn't work ). I tried contacting them and now they have another owner and they told me that DMV and FBI is investigating their business that they cant do anything about it. So the loan is showing on my credit after they forced my signature and they did a fraudulent smog on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Caliber Home Loans, Inc.
State: FL
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:
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on the account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed in my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-24
Company: Valor Intelligent Processing, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX received notification from credit reporting agency on XXXX XXXX that a collection from Valor Intelligent Processing had placed a collection accounts on my credit reports. I was not aware of any debt collection attempt from this company. I called the number listed several times on credit report XXXX but no answer. I also searched their website www.valorvip.com and obtained another number XXXX and no answer as well. So I decided to file complaint since they failed to contact me to give me my right to verify or validate this debt before placing on my credit which dropped my scores by XXXX points. I see from credit report they acquired debt in or around XX/XX/2022 and never sent me anything through mail to attempt to verify or validate this. 
Valor Intelligent processing XXXX XXXX XXXX XXXX, Fl XXXX Or XXXX XXXX XXXX XXXX XXXX, fl XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation