BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXXXXXX. Account # XXXX. Account 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.

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 beleive 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 2023-09-18
Company: EQUIFAX, 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXXXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; SECURITYCRED XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: NV
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. XXXX XXXX, Account # XXXX 2. XXXX XXXX Account # 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 : 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 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 ) States 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 explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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:
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. 

Account name : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Information belongs to someone else

Complaint:
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS

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 2023-11-26
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent demand letter requesting signed information to show me where it states on my lease that a tenant is responsible for what they are claiming I need to pay for such as : paint and carpet cleaning. I lived in this apartment for 4 years and in Nevada that is nothing more than normal wear and tear. I have read through my lease and nowhere does it state a tenant is responsible to pay a fee for carpet cleaning and paint upon move out. Not to mention they also kept my security deposit as well. Which is why I feel I am being wronged in having to owe the amount of {$290.00} they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: WV
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 consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXXXXXX : # 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 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 in accurate.

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 2023-03-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the FAIR CREDIT REPORTING ACT..XXXX acct # XXXX, has violated my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, 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:
This is my FURTHER Complaint that I was the victim of XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any ACCOUNTS which were opened without my knowledge, consent, or authority within XXXX business days. 
XXXX XXXXXXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/XXXX I sent XXXX, XXXX, and TransUnion letters highlighting accounts on my report marked as Charge Off. I Informed the company in writing that an Charge- off is an Certificate of indebtedness and a Certificate of indebtedness is income and that income can not be reported on my credit report. I have also in writing that having these accounts that's reporting income on my report are in violation of The Privacy Act of 1974. For these violations I asked in writing for these accounts to be deleted. The List of accounts below are the ones that require action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also these accounts are in violation of 12 CFR 1022 which violates 15 U.S.C. 1681ba ( 1 ) ( 2 ) No court has issued these accounts to be furnished on my report and also I never gave my written consent to furnish these accounts on my 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 2023-07-14
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Saturday, my Discover card was scammed and there were charges made to XXXX and XXXX. My XXXX XXXX  cards were also scammed. I called all three credit card companies immediately and the XXXX cards took the transactions off but the Discover card did not. They told me the charges were legitimate, They were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
See attached. As pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) I never gave these companies written instructions to pull my report. The companies reached out to me and let me know that they have sent letters to equifax informing the to remove these unauthorized inquiries. Equifax know that according to XXXX XXXX XXXX ( b ) when they do their investigations they must prepare XXXX  accurate report to the XXXX. Remove these XXXX inquiries immediately. 
XXXX XX/XX/2021 XXXX XX/XX/2021. This is a defamation of my character and I want {$1000.00} for each inquiry because equifax came back stating that they spoke to these companies and it was verified when that was not true. Equifax was not being fair and equitable and I suffered from. I will be taking this to federal court if I don't get my remedy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: PA
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe 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 explanation
Consumer complaint received 2023-09-25
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:
In accordance with the Fair Credit Reporting Act the accounts below have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX and account XXXX had violated my rights. 
15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the info is accurate.

The open dates for these accounts are different across the three bureaus. Also it seems that this company has reported this dance debt as new a few times. I have this same account for the same amount with the same hospital on my credit report reported again as new this month. That account number is XXXX. One of the accounts that I'm disputing above was supposed to be off my report next year. The account These inaccuracies are doing me from buying a home for my family.

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 2023-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX. I do not have a contract with Portfolio Recovery Associates. Portfolio Recovery Associates is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

XXXX XXXX : Account # XXXX ( Balance : {$2600.00} ) XXXX XXXXXXXX : Account # XXXX ( Balance : {$2900.00} ) These XXXX accounts show the same account number and open date of XX/XX/. Not only are they not my accounts. It appears to be reported twice. 

15 U.S. Code 1681 s2 states 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. 

The account information they are showing on XXXX, XXXX, and XXXX all have discrepancies. Both XXXX and XXXX are reporting this as an Open Account. They are all showing different information. I have attached screenshots of the inaccuracies showing on my reports. 

I have already disputed these accounts with them and they have failed to provide me with the original contracts, statements, or proof of ownership of the debt that I requested. 

They are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information.

They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX {$4600.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$4100.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$4600.00} STUDENT LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$4800.00} XXXX LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Many of these accounts were reported as delinquent however these accounts are currently in good standing and need to be removed from being reported as such. 

Any addresses or phone numbers that do not accurately identify me should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing this letter to request the following information on my file be deleted. I sent a letter to Experian on XX/XX/, asking them to reinvestigate my accounts and ensure everything was complete and accurate. I received my updated credit report and noticed they didn't modify or update anything according to 15 USC 1681i ( 5 ). This doesn't make sense because I know the information is incorrect. I'm trying to purchase a home for my family, and the credit bureaus are hindering me. Can you please look into 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