BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: GA
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 reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
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:
Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of 15 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX ( UNAUTHORIZED INQUIRES ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Unauthorized Addresses ) XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX In addition, I would like to draw your attention to 15 USC 1681c-2, which states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number for this matter ( 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 2022-06-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2018-05-25
Company: Experian Information Solutions Inc.
State: AR
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:
Under my Social Security I have other SS # XXXX that isn't my social security #, please let me know what I need to do

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 2017-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
The company XXXX said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party 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 2022-06-07
Company: DISCOVER BANK
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
- Discover bank notified me via email on XX/XX/2022 at XXXX that my accounts were frozen ( see attached file titled " XXXX DIscover Frozen Accounts Emails.pdf '' - this file contains all 3 emails I received, one email per account with Discover Bank ). I was informed in this email that I must call them immediately. I attempted to call them on XX/XX/2022, XX/XX/2022, and XX/XX/2022 and was met with 1 hour or longer wait times each time. I finally reach Discover Bank on XX/XX/2022 around midnight. I was informed by the customer service agent that my account were frozen " due to a business decision. '' The representative could not provide further explanation. The representative informed that I would receive my funds " within 60 days. '' The representative offer to schedule a " supervisor call-back '' - I accepted. I was informed that the call-back would occur within 24 hours. As of this complaint, I have waited greater than 24 hours. I have not been called, emailed, or notified in any manner. 

- On XX/XX/2022 at XXXX I called Discover Bank again ( see attached file titled " XXXX Discover XXXX '' ). I explained my situation to the representative named XXXX XXXX supervisor 's name is XXXX XXXX. XXXX informed me that my accounts with Discover Bank were being handled by the fraud department. XXXX informed me that she could not elaborate further about the status of my accounts or on anything in relation to my accounts. I notified XXXX that I am filing a complaint with the FDIC and my state 's attorney general 's office. XXXX offered to file an internal complaint on my behalf- I accepted. XXXX could not provide a confirmation number for the internal complaint. 

- My 2 checking accounts and 1 savings account with Discover Bank hold nearly all of my liquid capital. Discover Bank froze my assets without notice and without cause. I am left penniless with bills coming due including credit card payments, rental payments, electricity payments, and home internet payments. This does not include the bare necessities I need to live like food, water, or transportation. I can not pay for anything because of the position Discover Bank has left me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Resolve Partners, LLC
State: OH
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:
RESOLVE Partners is furnishing and distributing inaccurate information in regard to my consumer report. On XX/XX/2022, The XXXX XXXX XXXX delivered an Adverse Action Notice pertaining to the credit application I submitted. On this notice, The XXXX XXXX XXXX informed me that a decision was made in relation to the information received from RESOLVE Partners. In detail, my credit application was denied because RESOLVE Partners furnished and distributed the information that I have a " Criminal Background ''. This information is 100 % FALSE!!, I've never been convicted of any criminal offense ( XXXX ) in my life!! RESOLVE Partners has caused me to lose the opportunity to a home that I am deserving of- all because the furnishing and distribution of inaccurate information in regard to my consumer 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 explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX 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, XX/XX/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 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXXXXXX XXXX XXXX  Balance : {$480.00}

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 2022-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite three written requests, an unverified physical address remains on my credit report in violation of Federal Law. It has been found that the physical address DOES NOT associate with me. This identifier has no relation to me and is on my report directly as a result of the creditor XXXX XXXX XXXX. I have attached supporting documentation in previous attempts that this creditor has been negligent with this information and this particular account and address needs to be deleted from my report immediately. If you review the response from CFPB Complaint # XXXX by the company Experian, they admitted to neglecting the removal of inaccurate information by stating " Regarding the disputed items, at your request to conduct a reinvestigation, we contacted the data furnishers and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported, HOWEVER, they MAY have updated other aspects of the accounts. '' The federal law is quite clear in this regard about inaccurate data. A complaint has also been filed with the Florida Department of Agriculture and Consumer Services with XXXX  # XXXX against Business titled Experian Information Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX with 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 2022-12-30
Company: Experian Information Solutions Inc.
State: AL
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:
I requested that the credit bureaus to re investigate each account listed for the completeness and accuracy of the list of accounts below on XXXX 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

On XXXX they responded that my accounts were verified and 100 % accurate but how is that possible if they didnt do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have attached my latest credit report as proof. 

Accounts : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-30
Company: EQUIFAX, INC.
State: AL
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:
I requested that the credit bureaus to re investigate each account listed for the completeness and accuracy of the list of accounts below on XXXX 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

On XXXX they responded that my accounts were verified and 100 % accurate but how is that possible if they didnt do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have attached my latest credit report as proof. 

Accounts : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: LA
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:
I dont have access to my credit score, security freezze and disputing thing online with experian since XX/XX/2022 I keep calling them but they never tell me what is going on and they say that they are going to fix it but never fix 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 non-monetary relief
Consumer complaint received 2022-09-20
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:
well I have inquiries on my credit report that do not belong to me, there are 13 inquiries, I have false names and addresses that do not belong to me as well as collections, I have called and disputed online, but it is very difficult because they do not know my right to dispute even my real name, telling me that the process went wrong and that it is 30 days, on the other hand that affects me having so much fraudulent information in 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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I believe XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting inaccurately in Transunion. I do not recall having accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: Upgrade, 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:
Problem with XXXX and XXXX XXXX XXXX. This dept is going to be XXXX XXXX XXXX, XXXX reopened my account without any given knowledge or reason. XXXX is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called Upgrade, cut me off from using it. The card is paid well and on time, upgrade is another complaint. The Statius of this credit card changed when XXXX XXXX reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Problem with TransUnion and XXXX XXXX XXXX. This dept is going to be XXXX XXXX XXXX, XXXX reopened my account without any given knowledge or reason. TransUnion is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called XXXX, cut me off from using it. The card is paid well and on time, upgrade is another complaint. The Statius of this credit card changed when XXXX XXXX reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you

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 2022-06-27
Company: ERC
State: CO
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:
The credit collection company has not proved Iown the debt and continue to " reage '' said debt on my credit report by adding or misusing a dollar to update the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: CA
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:
I believe XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting inaccurately in Experian. I do not recall having accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I request a signed contract which will demonstrate a legal agreement. Please validate this information and provide me with copies of any documentation associated with this account which bears my signature. In the absence of any such documentation bearing my signature, please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief