BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom may be concerned, I am writing to request that the XXXX collections reported on my credit report by [ XXXX XXXX XXXX ] be removed from my credit report. I believe these collections are invalid, as the debt collector did not properly validate the debt before reporting it to the credit bureaus. I have enclosed a copy of the certified mail receipt showing that I sent a debt validation letter to the debt collector on XX/XX/XXXX. And it was received on XX/XX/XXXX,. As required by the Fair Debt Collection Practices Act ( FDCPA ), the debt collector had 30 days to respond to my letter with validation of the debt. However, to date, I have not received any response or validation from the debt collector. The FDCPA requires that a debt collector must validate a debt before attempting to collect it. Specifically, 15 U.S.C. 1692g ( b ) states that [ w ] ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the information necessary to validate the debt. The validation must include the amount of the debt, the name of the creditor, and continue writing the letter. Given the lack of validation and the debt collector 's failure to respond to my request, I believe that these collections should be removed from my credit report. I respectfully request that you investigate this matter in accordance with the FDCPA, and take appropriate action to have the collections removed. Additionally, Federal Trade Commission v. Check Investors , Inc., 502 F.3d 159 ( 3d Cir. 2007 ) establishes that a debt collector must comply with the 30-day validation requirement, and that failure to do so can result in a violation of the FDCPA. The court in that case held that a debt collectors failure to respond to a consumers request for validation within 30 days constituted a violation of the FDCPA. Thank you for your time and attention to this matter. 

Sincerely, 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 2023-06-26
Company: EQUIFAX, INC.
State: CA
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 have informed the three credit bureaus XXXX, Equifax, XXXX. That I was a victim of identity theft however, they still have not removed them from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: CBC Companies, Inc.
State: MD
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 submitting this CFPB complaint to request the removal of the erroneous accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. The Information you report on my Credit File belongs to my brother, XXXX XXXX. I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am including this report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following accounts and information off from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/1985 XXXX XXXX XXXX XXXX  Balance {$540.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: CA
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 am disputing the original claim i submitted to experian about the XXXX account on my report. I did not receive any verification from you that showed my consent, or any authorization with my signature. Please verify the validity of this account and furnish how the account was verified.

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 2023-04-19
Company: Bread Financial Holdings, Inc.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX23 I was alerted by message from Comenity to hat there was suspicious activity on my account of charges for {$.00}. They asked if these were my charges and I replied no. They replied there was nothing further for me to do on my part and they were closing my card and issuing me a new one. I did on that day try to call anyway to make sure all was ok but for several hours the calls just kept disconnecting on every prompt I pushed for a representative. I received the new card and no billing statements so I assumed all was ok and the fraud charges were removed. Today, XXXX23 I received a credit alert that there was a report of a delinquent account..Comenity! For a total of {$45.00}. I logged in online and was able to see the charges. They are broken down as such ; XXXX23 10 separate charges for {$.00} each XXXX23 late fee of {$9.00} XXXX23 interest of {$2.00} XXXX-23 late fee of {$21.00} XXXX-23 interest of {$2.00} I tried again today for over 2 hours to contact them and the same thing! Disconnected over and over! I sent an email and attached the message alert with confirmation from XXXX-23. I also sent a written letter out today and disputed the charges with full explanation, in writing.

While looking up the address I saw where I had 60 days from the date the charge was made to dispute but I did verify on that exact date that it was fraud and was told I didnt need to take any further action. Although I did try but was unsuccessful in calling. I was unaware the charges still existed until today when I received the credit alert. I also saw in that same literature where Comenity can not report you delinquent to credit agencies if there is a charge in dispute. They had proof from XXXX-23 that the charge wasnt valid because it was confirmed when they closed the card and sent me a new one. They should have never reported me delinquent to credit agencies. 
Important **** the card number listed is the old card number. The new one ends in XXXX but I dont know the full number because I have not activated the new card and put it away. The number that will be listed in the card number section will be The old card number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The debt is not mines if u look at the name on The paper it definitely not mines

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my reportAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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. 

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 2022-12-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Ive disputed this issue! Ive never done business with this business and or debt collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over XXXX XXXX. It was updated on my credit report in XXXX.Ever since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit act.

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 2022-11-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax violated my rights a Consumer when they reported these accounts on my credit report. I never gave Equifax permissible purpose and by law I have the right to exclude what I want from my credit report as I explained in the dispute letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: MN
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.

The letters are stated with items and issues. 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 non-monetary relief
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive asked XXXX XXXX to provide proof of ownership for the account they having reporting on my credit file as of XX/XX/2022they still havent provided proof of ownership of this account. Also, there were unauthorized charges on this account that I disputed still waiting on XXXX XXXX to provide me with all signatures provided on each and every transactions. I disputed that within the 30 window and still nothing, this company should not have been allowed to report anything to the credit bureaus. This company is in violation of The Fair Credit Reporting Act m. Please remove account from all three credit bureaus immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
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:
I spent a year in XXXX my information was stolen by XXXX XXXX XXXX in the country including my passport. The group cloned my phone and created fake credit cards and debit cards and made many transactions I was unable to report the information because I was still in the country and the threat of XXXX was a constant and I was under duress and my coworkers also so even leaving the country and reporting the issues was life and death. I had my apartment broken into and had my computer and other personal items stolen which I reported to the local police in XXXX and I asked them to use discretion because the perpetrators are unknown. I reported everything when I returned to the United States and my coworkers were all back on American soil. My bank XXXX XXXX denied my claim and refused to return the money and credit my credit card accounts. They returned some money to my personal account of {$560.00} but denied all the bigger claims even with police reports and emails from the XXXX XXXX XXXX. I have provided all the proof that is available to me as a US citizen in a foreign country. XXXX XXXX XXXX is not alerting me to why they are denying my claims until I have to keep calling for answers. This is an ongoing problem with the bank ive learned through various social media sites. The incident began in XXXX of XXXX, They were alerted to the situation when I returned to the United States and to help track the stolen money I had to hire a private investigator. The supervisors of the fraud department agree with my evidence and don't know why the claim keeps getting denied and this can be verified with the tapped conversations. Also, the investigator is not reading the emails that I keep sending because they are responding without reading the information and making various mistakes. I fear I will lose my money in retaliation. The investigation has been ongoing since XXXX of XXXX it is now XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: MO
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 was in deferment or forbearance for dates it shows late. I'd also like to see the original contract with signature for loans but this was never provided. It shows I owe {$270000.00} for student loans. Therefore I think this is quite reasonable to expect a fee breakdown. Id also requested a copy of letter letting me know loan was was sold and a copy of the actual letter indicating it was sold. Also please show how amount figured. They didnt show proof I was late and not in either deferment or forebearance but credit report didnt fully investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please delete these inquiries from my report as these do not belong to me and I did not authorize them. 

XXXX XXXX NA Inquired on XX/XX/2022 XXXX XXXX Inquired XXXX XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX  Inquired on XX/XX/2022

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 2022-12-18
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
Midland Credit Management ( MCM ) does not have written consent pursuant to 15 USC 1681b based on my credit as a result of identity theft. MCM has failed to produce the original contract with my signature, original creditor information and full payment history pursuant to FCRA Section 604 and 609 and has initiated litigation that was subsequently dismissed.. Consequently, XXXX reflects inaccurate information including personal information. My birth name is XXXX XXXX XXXX and married name is XXXX XXXX XXXX XXXX. Please delete any other references and addresses as they are not mine e.g. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To whom this may concern, on XXXX, XXXX I sent In dispute letters to all three credit bureau 's XXXX, Transunion, and XXXX stating the inaccuracies that are reporting on my consumer report referenced from the FCRA & consumer laws asking them to remove the inaccuracies and to send me a updated report with the correction made. I never received the updated credit report/consumer report with the corrections and the inaccuracies are still reporting inaccurate on my consumer report. 
According to the FCRA everything on the consumer report should be factual and accurate across all bureaus and that is not the case as of today XX/XX/2023. I feel like I'm being mistreated and bullied of my rights as an American citizen as these inaccuracies are still reporting. I'm being hinder from financing from banks and lenders, as well as unable to secure a job to take care of my family of XXXX all under XXXX. As hard as it is already being a single XXXX XXXX XXXX XXXX in America these inaccuracies on my credit report is a barrier from achieving success, securing a job and taking care of my family. I need immediate help to fix this problem.

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 2022-12-18
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 want my profile to be In accordance with the Fair Credit Reporting act. The List of accounts below 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 All credit inquiries Apartment complex in MI XXXX, has violated my rights. Per 15 U.S.C 1681 section 602 A. I have the right to privacy. Per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer, It states a consumer reporting agency can not furnish a account without my written instructions. They do not have my written instruction. Per 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. Per 15 U.S.C. 1681s-2 ( A ) ( 1 ) ... .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 2022-12-18
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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I have XXXX late payment on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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