BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : 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 2022-11-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have credit inquiries on my profile that didn't come from me. I suspect fraud and want them removed immediately and indefinitely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: AXOS FINANCIAL, INC.
State: IN
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 had a credit karma account and around XXXX I applied for an auto refinance loan. Then also in XXXX my phone started messing up and I had to get a new one. Then I was locked out of my email account and I haven't been able to get back into that email since. I have been locked out of most of my accounts since I just now got a new phone and new number and even a new bank account. I reported it to the FTC because I just received all these letters this past week. The address they were being sent to isn't my mailing address. My credit went from almost XXXX to XXXX. My wife and I are going through a divorce but she does know my personal information by heart including my social security number which she gave to a police officer in XXXX county when she was in a wreck in XXXX of last year. She told the officer she was me. I reported it to both XXXX county and my insurance company that I was not driving the car when that happened. 

The companys and information.. XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. XXXX XXXX XXXX services on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XXXX. Axos Bank on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: KY
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 account below has violated my federally protected consumer rights : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is violating my Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. I did not know, or authorize my medical information be disclosed to anyone for any reason.

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: 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:
Original creditor-XXXX XXXX Account XXXX XXXX Current Collector- XXXX  15 U.S.C.1681 section 602A states I have the right to privacy. In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

604A 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 2022-08-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 and XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States, i have the right to privacy 15 U.S.C 1681 section 604 a Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2023-10-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX refused to pay the excess balance in the GAAP policy that was purchased. The XXXX was totaled and XXXX stated that their GAAP insurance was not going to the full balance as the GAAP policy we purchased was deemed to cover any balance at 100 % of any default difference between the XXXX value and the balance owed on the XXXX. When we purchased the GAAP policy XXXX 's statement was this GAAP would cover 100 % of any balance owed, XXXX refused to cover the balance of {$770.00}. This was a fraudulent error by XXXX. All payments have been paid and are never late.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern I the consumer sent Transunion a letter on XX/XX/2022 demanding deletions of multiple accounts that were reported on my consumer report. I never gave any written instruction to Transunion to furnish a consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). I demand Transunion provide proof of written instruction from myself the consumer instructing them to furnish a consumer report. These false and misleading practices used by Transunion to obtain my consumer information from XXXX XXXX and various sources violates15 USC 1692e ( 10 ). They have committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureaus may prescribe, by regulation. They have committed identity theft by falsely representing and the use of deceptive means without consent and collecting consumer information of alleged debts owed and furnishing a consumer report without consent to report this information on a consumer report for me. I have tried multiple times to get Transunion to delete these alleged debts owed, late payments and collections reported on my consumer report. I have disputed Transunion on XX/XX/2022 and XX/XX/2022 through the CFPB portal and now on XX/XX/2022 I sent a letter to remove this. I suffered from the obscene and profane language on my consumer report of alleged debts, late payments and collections. I also suffer from anxiety and XXXX because I'm unable to obtain insurance or housing. My family and I suffered from abuse from Transunion. By Transunion obtaining my consumer information without any written consent and furnishing this on a consumer report, caused hardship for myself and my family as well as damage to my reputation and suffering. This harassment and abuse is a violation of my rights as a consumer according to 15 USC 1692d ( 1 ) ( 2 ). 
Transunion knowingly and willfully obtained my consumer information under false pretenses from various sources without my consent to furnish a consumer report and service their customers. This violates my rights as a consumer according to15 USC 1681q. My right to privacy as a consumer was also violated by the identity theft of my consumer information and furnishing a consumer report without my consent so they can service their customers such as creditors, employers, insurance companies, landlord 's etc. This violates15 USC 1681 ( 4 ) my right to respect and privacy as a consumer.

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 2019-02-16
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:
Today XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.

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 2023-02-17
Company: EQUIFAX, INC.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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:
This is my fifth request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries that were not authorized by me and that even though I have asked XXXX XXXX XXXX to remove them from my credit report, they have not done so to date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-22
Company: Experian Information Solutions Inc.
State: VA
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  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
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, the following reported accounts has violated my rights : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 ) ( 2 ), also states a consumer reporting agency can not furnish an account without my my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX bank is the servicer for XXXXXXXX XXXX XXXXXXXX credit card, I have never been late and my balance is below {$100.00}, yet they are reporting me 60 days late at all XXXX bureaus and they i owe them upwards of {$400.00}. I was able to speak to a supervisor about the promotional balance and there is a current dispute on the account to fix it but when i stated that comenity was reporting me late at the bureaus, she advised she was unable to fix. would like a call from the company and would like the problem fixed

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: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Comenity bank is the servicer for XXXXXXXX XXXX  XXXX credit card, I have never been late and my balance is below {$100.00}, yet they are reporting me 60 days late at all 3 bureaus and they i owe them upwards of {$400.00}. I was able to speak to a supervisor about the promotional balance and there is a current dispute on the account to fix it but when i stated that comenity was reporting me late at the bureaus, she advised she was unable to fix. would like a call from the company and would like the problem fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Comenity bank is the servicer for XXXXXXXX XXXX XXXX credit card, I have never been late and my balance is below {$100.00}, yet they are reporting me 60 days late at all 3 bureaus and they i owe them upwards of {$400.00}. I was able to speak to a supervisor about the promotional balance and there is a current dispute on the account to fix it but when i stated that comenity was reporting me late at the bureaus, she advised she was unable to fix. would like a call from the company and would like the problem fixed

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 2023-01-31
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had asked Allied Collection services to provide proof of debt multiple times and they failed to do so. Stating that " the debt was valid '' to each Credit Bureau unable to provide an invoice or anything regarding the debt claimed to be owed by XXXX XXXX XXXX. 

Each credit bureau had agreed the debt was not valid and removed from credit report. 

This account keeps coming up on my credit report for a debt that was never verified. 

XXXX XXXX XXXX never provided anything outside of a paper invoice for " debt owed '' Claimed services were rendered that were never completed

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: Experian Information Solutions 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation