BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: NJ
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 list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Account : XXXX XXXX/Dept of Ed Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account : XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish account information without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) states no reporting consumer agency may make any consumer report containing any of the following items of information : any other adverse 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 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Update my Current personal info XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX XXXX see attachment 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 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, Account - XXXX XXXX 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 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 2023-11-09
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased XXXX Vanilla Gift ( VISA debit ) cards last year. But these XXXX cards were stolen by someone else. I have contacted the Vanilla company for almost XXXX year, and provided them as much information as they needed. But every time, when I call them, they just replied I need to wait for another several days. I don't understand what's going on here. Are they doing this on purpose? My case numbers are XXXX and XXXX. 

I have file a complaint before. Later, the company agreed to send me the refund, but they never did. Then the complaint was closed. I have called the company several times. They said they need to further investigation and let me to wait for more days. The company is dishonest, and they lied to you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i was reviewing my credit report and notice unauthorized inquiries on 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 2022-06-29
Company: EQUIFAX, INC.
State: MS
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 have sent disputes to Equifax on the accounts below for reporting these unverified and inaccurate accounts violating FDCPA 809b. This company has continuously failed to validate and or correct these erroneous accounts. Equifax In accordance with the Fair Credit Reporting Act, the accounts listed below also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX 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 or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 Section 604 A Section 2- States A consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
I have attempted to resolve the inaccuracies on my consumer report with consumer reporting agencies ( XXXX, EQUIFAX AND XXXX ) for months. They have knowingly reported false information. I have sent them multiple letters via USPS certified mail with electronic signature, so I know they have received them ; I also have invoices. My consumer rights have been violated for months, and I require a resolution. According to the FDCPA and FCRA, these accounts must be DELETED, not UPDATED at this time, because they have not complied with the law. Among the provisions they have broken are 15 U.S.C. 1681 sections 611 ( a ) and 623 and 15 U.S. Code 1681i - ( Procedure in case of disputed accuracy ). They had 30 days to correct these errors, but they failed to do so. I am also aware that I am eligible for statutory damages ranging from {$100.00} to {$1000.00} per inaccuracy. 

The accounts that I am listing below are the ones that they are still illegally reporting inaccurate information on, and I would like them all deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-20
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX ; 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 2023-02-07
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number:XXXX*, XXXX XXXXXXXX Account number:XXXX, XXXX XXXXXXXX XXXX  Account number:XXXX, XXXX Account number:XXXX****XXXX XXXX Account numberXXXX****, XXXX Account number:XXXX has violated my rights including these inquiries : XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 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 non-monetary relief
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: NJ
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 list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXn Account : XXXXXXXX XXXX/Dept of Ed Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish account information without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) states no reporting consumer agency may make any consumer report containing any of the following items of information : any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXXXXXX XXXX XXXX am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please

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 2022-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
my debit card information was compromised and some charges were made on my card that I didn't authorize in the amount of {$3100.00} in I believe XXXX of XXXX I immediately notified bank of America by filing a dispute. they credited my account and I received a notice a week later saying the credit was being made permanent. 2 months later they reversed the credit and I've since had the reopen my claim 2 times and they reopened it their self on XX/XX/XXXX and even though it's been past the 90 day time frame for a dispute have still yet to provide me of a resolution to this claim.

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 monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
In XXXX of XXXX, a delinquent debt was reported to all three major credit bureaus through a debt collection company originating from a disputed fraudulent bill tied to a landlord tenant dispute ( I was the tenant ). This action caused a significant drop to my credit score across all three major credit bureaus, ranging from XXXX points. Through almost 18 months of disputes with the original creditor, as well as multiple lawsuits against them, this debt was settled in my favor. One of the stipulations of this settlement was that the original creditor would have this delinquent debt completely removed from my credit history. After another 4 months, about a dozen direct disputes with each of the major credit bureaus, and the threat of additional lawsuits, the debt was finally removed from my credit history in early XXXX of XXXX. To my astonishment, the removal of this debt, the only negative item on my credit report, had XXXX impact on my overall score, meaning the XXXX points that I lost were not returned. I sent requests to all three major credit bureaus to have my score reviewed and recalculated and have not received a reply, nor seen any improvement to my credit score. Additionally, I can not find any other method to directly dispute my score alone, only reported debts. I acknowledge that the algorithm used to calculate my score is more complicated than I will ever fully understand, however it seems a reasonable assumption that if you are going to drop my score immediately and punish me for a fraudulent debt that was not my responsibility, when that debt is completely removed, my score would recover immediately as well. I do not know what else to do to get a resolution to this matter and appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am challenging four different reports of late payment and one report of a " write off '' from XXXX when the loan is current and I've not stopped making payments. 

I'm filing this complaint against EQUIFAX, XXXX AND XXXX XXXX XXXX. Im disputing the WRITE OFF and the two late payments XXXX  XXXX and XXXX. I am current with their collections department, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-24
Company: Credit Karma, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX currently I saw a lot of pre approvals on credit karma. Credit karma kept sending me pre approval for credit cards, personal loans and refinance for my card. I saw these pre approvals every time I logged in for months. I was told I was pre approved so I thought I was in the perfect place to apply. I got so many offers through credit karma that I started telling my friends and family about vacations and investments that we were going to use these pre approvals for so I finally applied and was denied and I had a ton of inquiries showing up on my report. It caused me so much trouble that I was XXXX XXXX for months. I was having terrible headaches and panic attacks. My reputation was severely damaged. I felt very deceived that I was marketed for months telling me I was pre approved. This was all a lie. Now every time I see preapprovals I immediately close my phone and shut my computer off. I have stopped checking my credit as frequently as I should because of the trouble with credit karma. I am requesting damages from this please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NE
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 am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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