BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: ENCORE CAPITAL GROUP INC.
State: ME
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 am a XXXX in the XXXX XXXX since XXXX. I have provided XXXX and Midland Credit with my ID 's showing I have been in XXXX and XXXX since XXXX with a permanent address in Maine. 

Midland Credit keeps reposting this bad credit, discovered during my security clearance check in XXXX. 

I am in jeopardy of losing my clearance and my job as a result of this incorrect posting if a charged off account that was never my account. I have nothing to do with the account which was opened by a third party. 

Please find my ID 's again showing I am here in XXXX now, since XXXX, and XXXX before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: NJ
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:
A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to XXXX to inform them of this matter once I seen it on my Experian credit report, they agreed to close the account. Experian removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I tried to do a report with FTC but they keep directing me to CFPB.com. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. XXXX account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of ab sudden the account is reappearing 6 months later with a balance of {$2300.00}. This account was paid off.

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 2023-02-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am sending you this message in hopes you can assist me with a problem I am having with XXXX XXXX regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX XXXXXXXX XXXX sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX XXXX reported a 30day late to my credit bureaus. 



I was in the middle of a real estate transaction, i paid off my car loan with XXXX before a 30day late. XXXX XXXX reported the 30day late anyway. 
My score dropped XXXX with Equifax, XXXX points with XXXX and XXXX points with XXXX. 

I called the Customer Service Department of XXXX and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported and would not be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment. why should a consumer be penalized with a 30day late for completing a car payoff before XXXX XXXX XXXX. I want this corrected immediately as it s only fair, based on the email I recived from XXXX on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. My next course of action is the XXXX XXXX XXXX XXXX. 
To date my credit score was not corrected, the points I lost should have been recovered and my score should have been made whole. Instead XXXX and the credit bureau continue to report a history with a final 60day late as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report I found there was XXXX fraudulent account on my report which is XXXX  it has a XXXX which does not belong to me I have never heard of this company

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 2023-05-22
Company: AMERICAN HONDA FINANCE CORP
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent certified letters to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The letters were received on XX/XX/XXXX ( XXXX XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ). I disputed their claim that I owe them these debts and asked them to validate the accounts they are reporting to XXXX, XXXX and TransUnion. It's now XX/XX/XXXX and I have not received any response from either company by mail, email or any other type of notification. Under The Fair Debt Collection Practices Act 15 USC 1692g, Sec. 809 ( b ), I have the right to request validation of debt they say I owe them. Both Companies have failed to validate the debts and provide the information I requested in my letters. See attached letters and certified mail receipts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

EQUIFAX is govern by USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: ME
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:
My credit score has inexplicably taken a XXXX point dive. I have made inquiries at all three credit reporting agencies, and every possible credit score reporting agency : no one can explain why my score is being reported as having lost XXXX points. I do not have any accounts that are delinquent, my credit usage is at 17 %, I have $ XXXX available credit, I have not taken out any loans, the age of my credit report is average, there is literally NOTHING that has occurred in my financial life that should be causing my score to be reported like this. I received a fraud alert saying that my email address was compromised and that various personal information was appearing on the dark web, but I do not have access to the dark web to see what may be going on, and the alert is vague. Can someone please help me figure out what is going on here? There is not anything appearing on any of my credit reports that I can dispute to correct this issue, there have been no major changes to my credit reports that would have caused this XXXX point crash. The only reason a credit score would take such a steep dive, I have been advised by various credit services, is if someone filed for bankruptcy. I have not done this. Please help. I am a single parent who has worked SO hard to improve my credit score over the last 10 years so I can qualify for a mortgage and buy a house for my kid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I am writing to dispute the following information that appears on my XXXX, TransUnion, and XXXX consumer report 's. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I done pay a lot of fees I shouldnt have and didnt receive back. Its been over 6 years ago u just got to go through it

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 2023-02-27
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: Personal information incorrect

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 XXXXXXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX  submitted false information to the credit reporting agencys this violates my consumer right. I don't think investigation was done thoroughly and accurately. Even after disputing accounts ( I have yet to receive any letters directly from said company providing proof account is mine ). How can credit reporting agencys verify as accurate please provide all letters sent from credit card company as proof that they mailed any documents to me after credit bueru did investigation up year 2022. I suggest credit card company don't provide false letters either all my XXXX account is set up that I can view all my receivable mail..

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 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Identity theft issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX, NC XXXX, XXXX XXXX Balance XXXX {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$890.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}, XXXX  XXXX XXXX : {$200.00}, XXXX  XXXX Balance : {$31.00}, XXXX XXXX Balance : {$540.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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 am interested in disputing the invalid information on my Experian credit report that is hurting my file. a lot of information is invalid.its not correct on all 3 reports. I wants to dispute all incorrect information on my file.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: NY
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 out XX/XX/2022 in XXXX to Experian, XXXX, and XXXX. However it been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 


Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. 
( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a letter from these companies stating they will not remove this unverifiable account from my consumer report. I have been requesting validation of this account and I have not received anything in regards to it. According to 15 USC 1681e ( b ) Accuracy of report, no one assured maximum possible accuracy of this alleged information. Also, 15 USC 1681b permissible purpose of a consumer report, I never gave anyone written instructions to report anything on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: DC
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: TN
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:
There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
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:
This is my FUTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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