BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I was notified by XXXX XXXX XXXX XXXX that there as a been a data breach within their XXXX  storage system that contained personal information. There was also a data breach from XXXX that I was notified about in XX/XX/2022. In XXXX of 2022 my accounts were compromised which made me check my credit report where I noticed unauthorized inquiries. 

I then had to contact XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX as my accounts were compromised due to fraud on several different occasions. I had to reset all of my account and have new debit/credit cards sent to me from XXXX XXXX XXXXXXXX XXXX I also had to file an identity theft report and. wait on hold several times while trying to resolve this issue.

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 2022-12-16
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I was notified by XXXX XXXX XXXX XXXX that there as a been a data breach within their cloud storage system that contained personal information. There was also a data breach from XXXX that I was notified about in XX/XX/2022. In XXXX of 2022 my accounts were compromised which made me check my credit report where I noticed unauthorized inquiries. 

I then had to contact XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX as my accounts were compromised due to fraud on several different occasions. I had to reset all of my account and have new debit/credit cards sent to me from XXXX XXXX XXXX XXXX I also had to file an identity theft report and. wait on hold several times while trying to resolve this issue.

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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, 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.

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried to call XXXX XXXX  and XXXX, to get answers on why and who authorized the inquiries and I informed them that those accounts are fraudulent. 
- XXXX : XXXX XXXX - XXXX XXXX  ( Bank ) : XXXX XXXX I have no knowledge of these inquiries.

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 2023-05-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a payment to XXXX credit that used XXXX credit as the underwriter on XX/XX/XXXX of 2001. The payment was withdrawn from a bank XXXX XXXX XXXX payment account. XXXX had just changed underwriters of credit from Comenity Bank to XXXX at that time of my order. XXXX did not change the payment address, as defined by conditions of XXXX  XXXX XXXX when the payment was made. The payment of {$2600.00} was delivered to Comenity bank because of this error. Comenity Bank placed the payment in an old account for a different person instead of returning the check to XXXX  XXXX XXXX. I contacted XXXX by phone multiple times, and by writing 6 times or more, when considering faxing and by certified mail, to no avail. XXXX has chosen to sue me in in civil court for an unpaid bill. I contacted Comenity Bank by phone multiple times, and certified letters four times. Comenity Bank, when speaking by phone, at first, told me that the money was likely placed in a special account and I needed to tell XXXX  XXXX XXXX that I must claim fraud to get the funds back and that they have no record of any such transaction. The cashed Bank Check shows a payment to XXXX for my account in the amount of {$2600.00} on the front, and the back of the check shows Comenity Bank processing and cashing the check by placing it into an old nonfunctional account for a different account. Calling Comenity bank, with the attorney for XXXX, which are suing me for non-payment, refused to discuss anything and reported that no such transaction took place because no record exists. I have the record of transaction and the funds were removed from the XXXX  XXXX XXXX account. I want the funds returned so that XXXX XXXX can be repaid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
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 did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 %. For several months, I have been trying to dispute negative accounts from my credit report, several times. 

In accordance to Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when several inaccuracies are shown on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are the negative accounts : XXXX XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX {$740.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX  {$170.00} I attached the latest dispute letter I have filed a complaint against bureaus and creditors.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm sending this complaint to inform AGAIN the XXXX and TransUnion credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


BK XXXX XXXX : Account number : XXXX - XX/XX/2019 BK XXXX XXXX : ccount number : XXXX - XX/XX/2019 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is erroneously reporting a collection on behalf of XXXX XXXX to all three credit bureaus. I do not live in an area where XXXX is a service provider. I have lived in XXXX Texas for years now and we do not have XXXX  as an electric provider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Experian Information Solutions 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 a accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX these companies have 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 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 their information is inaccurate.

Someone needs to hold them accountable for this the credit Bureau have no respect for the laws. 

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 2023-05-29
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MS
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX  XXXX  XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$830.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-21
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As I began to repair my credit this this month XX/XX/2023, I disputed 2 collections from US COLLECTIONS WEST INC. They are from XXXX XXXX XXXX. Following the dispute update, the balance of both accounts has increased significantly. Also, why do they have two accounts with two different balances. The apartment complex never gave me a copy of the lease despite multiple requests when I was living there. Also, they added a month from the previous year that was paid for by a local XXXX  for rental assistance. I don't understand how they can add a month that was paid for when they evicted me. Then when I attempt to dispute the charg, they raise the balance without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. EQUIFAX has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. 

I MAILED IN A WRITTEN DISPUTE LETTER DETAILING ACCOUNT NUMBERS, COMPANY NAMES AND REASON FOR DISPUTE AND HAVE NOT RECEIVED A RESPONSE REGARDING THE RESULTS OF THE INVESTIGATING RESULTS. THESE INACCURATE, INCOMPLETE, FRAUDULENT ACCOUNTS REMAIN ON MY CREDIT REPORT AND IT HAS BEEN MORE THAN 30 DAYS SINCE I SENT THE LETTER. INSTEAD THIS COMPANY HAS CLOSED MY COMPLAINT AND ASKED FOR SPECIFICS THAT HAVE ALREADY BEEN PROVIDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: WELLS FARGO & COMPANY
State: MN
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: Problem with personal statement of dispute

Complaint:
I have tried multiple times to correct the balance/status that Wells Fargo is showing on my credit report with XXXX, This house was sold and paid in full XX/XX/XXXX. 
XXXX is showing the status as " Open/Never late. Deferred, payments begin XX/XX/XXXX '' with an outstanding balance of {$220000.00} as of XX/XX/XXXX. Neither of this is correct! 
I filed for bankruptcy in XX/XX/XXXX and the house was never reaffirmed so amount should have been changed to XXXX back then, but it was sold anyway on XX/XX/XXXX which also should have made this balance XXXX! This account is no longer open and payments are not due in XX/XX/XXXX?? This needs to be corrected immediatley, this is ridiculous! 

I've attached what I could from my Wells Fargo account showing it is paid in full and balance is XXXX. No statements have been available since XX/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 explanation
Consumer complaint received 2023-05-29
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: Personal information incorrect

Complaint:
Information once again posing up wrong address and information. 
phone numbers not my numbers address never lived at need a full credit report due to same old thing as before wrong information and things not mines on 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 explanation
Consumer complaint received 2023-07-17
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: Reporting company used your report improperly

Complaint:
There is a fraudulent account called " XXXX XXXX  '' for {$11000.00} that I did not authorize. I have sent several notices to the company about said inaccurate information on my consumer report. They have yet to be fixed and/or be removed even after they have done an " Investigation ''. This account is ruining my ability to receive credit and buy a home or house

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation