BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
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 looked upon my credit report and discovered these accounts that need to be deleted.

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 2023-10-28
Company: TRANSWORLD SYSTEMS INC
State: LA
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:
This debt was paid in 2019. I have been disputing it ever since it appeared on my report and XXXX and XXXX refuse to investigate. They just place a statement that it meets the FCRA without sending me proof that this debt is valid. I am a current XXXX XXXX customer and would not be allowed to continue services if the debt has not been paid. Neither of the companies that this debt keeps shifting to are providing evidence I a requesting, yet it is affecting my credit score.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 that the information is inaccurate.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX OF XXXX XX/XX/2022 XXXX OF XXXX XX/XX/2022 XXXX XX/XX/2022 AM XXXX FIN 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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 
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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have no credit or theyre not showing anything for my name. Ive sent XXXX and XXXX copies of my SS card Drivers License and my Medicare ID card. 
They got it and scanned it on their machines. At that point they said it was blury. It was very plain on the paper. So they wont put me in the credit bureau. Im trying to buy a house. 
My grandma put me on her XXXX account so I could get credit established. I dont know what 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 2023-10-28
Company: I.C. System, 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:
THEY DID NOT SEND ME NO INFORMATION ABOUT THE ACCOUNTS AND THE ONES THAT WAS IMPROPER INFORMATION DID NOT FIX!

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

Transunion : - XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX  - XXXX XXXX XXXX ( Bank ) XX/XX/XXXX  - XXXX XXXX  ( Bank ) XX/XX/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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, my rights have been violated by XXXX and XXXX. 15 U.S.C 1681 Section 602 A states I have the right to accuracy and privacy. 15 U.S.C 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX Therefore, please remove this account. I demand you to provide the required verifiable proof of permissible purpose confirming the legal authority to report such information or else complete a full deletion of the entire inaccurate & unverifiable information that is being reported on my XXXX and XXXX credit reports due to non-compliance of the Fair Credit Reporting Act. As of today, there is no physical proof that I knowingly and agreed to authorize anyone working at the companies that I have mentioned above to report such information on my XXXX and XXXX credit reports on these specific dates. I am asking that you make these corrections now to relieve yourself from non-compliance of reporting standards to report the accurate status of certified Metro 2 compliant reporting moreover 100 % provable true, correct, complete, and timely reporting. I am also requesting that the companies above mail me a copy of my signed authorization that gave them the right to view and report information to my credit report within five business days so that I can validate what is being reported. If they can not do so, then they will clearly be violating the Fair Credit Reporting Act which is why I am contacting you to help me with this. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/1987 in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.

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 2023-05-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On the XXXX th of XX/XX/2023 I called customer service at Best Buy Citi bank to get my balance of 2 transactions I made so I could pay them off before moving to XXXX  knowing that there was not a Best Buy where we are moving too and I like to pay my bills in person and in cash They gave me the amount my husband gave me the amount they told me I got in the car drove to the nearest bust buy near me that Ive made payments before but not often being that i dont charge that often before that 2 transactions I had not charged on this card before XXXX and these charges were made in XXXX got into the store started to take my cash out of my bag I brought it into and the cashier started helping put them by hundreds after getting the amount I needed to pay for the 2 transactions made she counted it once after she counted it she called another of her team mates over at the store and he counted it as they were both in agreement and 1 that it was the amounts I needed to pay for the 2 transaction made I confirmed on the screen at the register the same amount the lady cashier put some of the money in her drawer and the man cashier put some in a looked like a bank bag of some sort and put money in there and walked away as I heard from the lady cashier she said isnt that going to make me short he told her no I asked them is everything ok they said yes I was given a receipt for the amount I paid the amount owed per customer service per transactions made and verified by both cashiers I left the store with my receipt in hand On the XXXX th of XXXX I received a call from Citi bank that I was in collections I started to investigate this why I was in collections started a dispute process As I had my receipt of the amount paid Same amount owed token in the store to pay the amount of the transactions made on the card as nothing was charged before or after I knew there was a problem I came back to the area where I paid my bill in XXXX to finish up some things and being that I was near the store and knew theres was a problem and Suggested by Citi bank to bring it up with the store I went to do that after several phone calls and 2 visits to the store the general manager is saying that isnt the amount I paid the amount on my receipt That my receipt is not valid and if I persist in the manner he would do charges of fraud on my behalf I think this is terrible I went in to the store to pay my bill mind you early the statement was not out yet 3 counts of the money by me and 2 cashiers confirmed on the screen at the store and I am treated like this

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 2023-08-24
Company: Affirm Holdings, Inc
State: WI
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:
15 U.S. Code 1666b - Timing of payments States that, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX is illegally using my credit report by improper reporting and refusing to remove the improper use. This is a violation of my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605 b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the XXXX shall block 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.

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 2023-07-06
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: Account 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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A sectio n 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make 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 1681 s-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. No Opt outs were granted per 16 CFR-313.17 also in violation of 16 CFR 433.2- Account number- Credit bureaus have multiple late items with unmatching dates and late payment statuses that need to be updated. Also there are multiple charge off Accounts these accounts can not be listed as income on my end due to company already charging these items off via 1099 this would be double accounting and fraudulent collecting. There was also information being shared that was not authorized to other 3rd party affiliates this is a violation of the Privacy Act of 1974. 
Company information

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 2023-10-24
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hereby invoke the doctrine of Estoppel by Silence, as established in the case of Engelhardt versus Gravens ( MO ) 281 SW 715, 719, to assert my rights. It has come to my attention that my personal information was utilized without my consent to incur a debt that, in reality, does not exist. As of XX/XX/2023, I have become aware of my involvement in a data breach with Equifax. I respectfully request the immediate removal of these erroneous items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NJ
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, 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:
I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX, Acct # XXXX, Paid in Full and Closed XXXX XXXX  please remove this account off my report I did not give permission for this to be put on my report or stay on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I wrote a letter to all XXXX credit bureaus asking them to please fix any inaccurate identifying information within my Name, Addresses and phone numbers sections of my 3 credit reports. 

XXXX fixed the errors and sent me a new current and updated credit report. 

TransUnion has NOT removed an address from XXXX that needs to be removed ASAP. 

I sent all 3 letters via certified mail on XXXX *** I am still waiting for the response from XXXX as of today ... 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 2023-10-24
Company: EQUIFAX, INC.
State: NY
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:
Please investigate thoroughly the accounts that I disputed. I dispute XXXX XXXX, number XXXX. This account was closed on XX/XX/2022 however it's showing delinquent activity after the closed date. Your procedures have allowed this since XX/XX/2022 and this has been highly damaging to me. I want this account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: DISCOVER BANK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
late payment. XXXX pt drop on experian. i had paid off my discover card and stupidly turned of auto payment. a straggler charge appeared and payment was not made on time. I turned on auto pay and paid my balance in full. approached discover via experian w/no resolution to review my account. my account is XXXX XXXX XXXX and has never had a late payment. trying to get someone on chat w/discover and can only get their virtual assistant. this was an honest mistake and now I have problems w/an insufferable corporation who will not provide me any review and adjustment yet I continue to be inundated with relentless solicitations for more credit cards and equity lines of payment, and student loans. I can not believe a company that wont review my account and drops my credit rating is eager to take more of my money.

Company response to consumer: Closed with non-monetary relief