BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
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:
The credit bureau has violated my rights numerous times under 15 U.S.C 1681. 

In accordance with the Fair Credit Reporting Act XXXX XXXX account number # XXXX has violated my rights.

According to 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This Account was Opened Fraudulently without a written signature to show validation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the 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 2022-07-02
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have XXXX hard inquiries on my credit report that I did not authorize. I also got some inquiries from when I went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize 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 2022-09-26
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 belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of 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. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX XXXX : {$30.00} ; XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING *Account Open Date, XX/XX/XXXX XXXX This is a fraud account. I've never had account with nor giving access to my personal information. I've disputed with all credit bureaus. This is still listed on XXXX report. This account is in violation of FCRA. I want this removed completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed. TransUnion is not cooperating with removing these inquiries which is illegal. XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Home shopping ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) 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 2022-12-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX and experience all those companies right there mess me up I was trying to buy a house and I know I had a XXXX score and they keep saying that they didn't investigation they didn't do no investigation to people doing a lot of lying and they data breached all my stuff from all three credit bureaus have data breach problems my score has phenomenally dropped down to basically XXXX if you could fix that get that stuff I want the correct information I want my signatures I want to see my signature and all these contracts I want verification on every single thing because they're not doing their job I appreciate it very much 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 explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NC
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2023-11-10
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We subscribed to XXXX XXXX XXXX XXXX XXXX for our home in XXXX, Florida for a period of time during XXXX After an in-person consultation, we agreed to do a basic service focused on keeping our lawn green and provided a credit card for payment. The service went on as planned, but we noticed areas in our lawn where their services did not result in the intended improvement. The Manager sent folks out for additional treatments on these areas as a result. There were no extra charges as these were a remedy for their lack of performance. At some point during these extra treatments, their dispatch team decided to also send people to put down other treatments. Since they often visit during the hours we work away from the home and were coming by frequently, we didn't check with them each time to see what the treatment was and whether it was something we agreed to. Browsing my credit card statement one day, I noticed that they had been double charging my account vs. the agreed upon price across multiple months. Their phone team claimed it was an issue on their end and said it would be refunded. Over the next month, it wasn't and then they transferred me to a different representative when I called. That person said it was for additional services that I signed up for and when I said that we hadn't signed up for anything, they said that their notes said we did and it was up to us to pay them. We absolutely did not want anything other than the lawn fertilization and should not be held responsible for the poor management of people by their local team.

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 2022-09-22
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:
On XX/XX/2022, I received the results of reinvestigation from Equifax stating that they have verified a discharged XXXX XXXX bankruptcy on my credit report. According to Equifax, Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. 
On XX/XX/2022, I got a letter from courthouse stating that they do not report bankruptcies to anybody. I also obtained my XXXX credit report on XX/XX/2022 and there were no discharged XXXX XXXX bankruptcy as claimed by Equifax. If that is the case, why will Equifax claim that the bankruptcy is 100 % accurate. They never did a fair investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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: Account information incorrect

Complaint:
XXXX {$73000.00} XX/XX/2015 I CONTACTED ALL 3 BUREAUS AND FILED DISPUTE

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 2022-04-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Sold my car for parts, i dont owe anything in the XXXXXXXX XXXX you are crazy scam 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 2022-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was approved for Marriott XXXX XXXX Card with a 5 free nights ( XXXX each night ) on XX/XX/22 and will get the rewards once I met the spending requirement of $ XXXX. The Chase company customer service told me today XX/XX/22 that the last day to meet the spending requirement is XX/XX/22 but I HAVE NOT RECEIVED THE CARD YET AS OF TODAY, per customer service the card is en route as it was sent on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX, I had called byryder the number me the same guy that sold me and XXXX the vehicle it was a replacement after a tornado had totaled the XXXX XXXX XXXXXXXX. It had a blown head gasket I was to fix it the day that XXXX XXXX or last name XXXX decided to walk out and leave everything on my credit with no word no answers on XX/XX/XXXX or XXXX I any way I had called byryder and left the guy that sold us the car a voice mail with the account number and my name and her name and my phone number the voice mail had stated that XXXX decided to walk out and I cant afford the car and you guys need to come a repo it. XXXX XXXX or XXXX had talked me into being primary on the accident due to her having XXXX repos and that she was second primary. I had left the car at the house in XXXX once I moved into my friends cause I couldnt fix it after i spent all my money on trying to save my house. XXXX was the last one at the house getting her stuff out I had also left a voice mail on the manager phone the guy who runs the car lot shop saying the same thing. Some how in the time frame of her last seeing the car and asking me for the keys and I had told her I left the keys in side the house on the counter the car place wants to come after me for the car being missing they call and call and I answer i instate I left the car on the property XXXX was the last to see the car and had asked for the keys so why she wasnt answering the phone call from byryder is a mystery to me. I had no intention of leasing a car I had a car already that my mom had givin to me so again I would like my name off the account due to it being her car that she always drove and wanted. She had me do a lot of joint stuff with her and it is effecting my credit badly when I had no part in anything that she had planned I feel like I was scammed and used that whole friend ship. And fraudulent scammed as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: TN
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 aware that all " debts '' or " contract bonds/notes '' are PRE-PAID at the time of issuance of these contracts, by my UNITED STATES OF AMERICA 'S corporate/commerce entity 's ( which I am the authorized representative/beneficiary to ) XXXX XXXX XXXX XXXX- held in the federal reserve bank. I have notified these DEBTOR companies of their fraudulent claims and reports, that they are misrepresenting the contract TERMS, by definition, who is to " pay '' these debts and whose CREDIT it is GRANTED by. My personal signature, or agreement in allowing access to the trust by providing the SSN, is assured by the Securities in TRUST, and is granted unlimited credit- without pre-judice or discrimination. This complaint is in accordance to UCC and USC codes pertaining to the above mentioned. 

DONE IN GOOD FAITH- ALL RIGHTS RESERVED- GIVEN FOR PATENT RIGHT : XXXX : of the family name XXXX, formally from the XXXX family Authorized representative to the " XXXX XXXX aka ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and all other derivatives of these names- accounts.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I

see this account is still not remove. Please delete.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. These accounts are identity theft. Please delete.

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 2020-06-20
Company: Guild Mortgage Company LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Guild mortgage has failed to removed my pmi, it has been over 4 weeks and they billed me for the pmi once after I was below the amount required and told by one of the managers I qualified to have it removed. Guild mortgage does not seem to want to comply. They told me 5-7 days not 5-7 months or years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: MO
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:
16 months on time never late payments to XXXX they took away and saying it needs more time to add back according to there OWN WEBSITE clearly this is a scam and fraud to keep my score low to push loans and credit cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent letters out XX/XX/2023 to XXXX, XXXX, and Equifax, Here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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 and 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 an account without my written instructions This account also shows inaccurate information as it is reporting 2 different kinds of account number.

Company response to consumer: Closed with explanation