BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am not liable for these debts. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality un 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 has violate my rights. 

*15 USC 1681 section 602 A. States I have the right to privacy.

*15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without any written instructions.

*15 USC 1681c. ( a ) ( 5 ). 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 USC 1681s-2 ( A ) (! ). 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. 

Please remove these adversely accounts which is injurious to my credit rating. I can't obtain credit and it's costing me thousands of dollars.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent numerous letters to the XXXX credit bureaus asking them to update my personal information such as my name, address and employment history. The XXXX credit bureaus have not updated my personal information. 


I have attached a copy of my driver license and current utility bill which reflects my current address as proof of identity.

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 2021-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have frozen my account with XXXX  and I have paid for another service {$300.00} dollors to Montor my account yet addresses and phone numbers and places and stuff r still being added to my account I don't u understand this at all and I don't even have a XXXX XXXX card and yet it's charging me late fees every single month cause of this women XXXX XXXX XXXX whom over never in my life seen nor met got a old phone number of mine and decided to become me and had made my life a living XXXX four years now and all the police do here in XXXX New Mexico is right a report about it she changes everything my utilities my health insurance hacks everything I have my phone emails social media sites I have nothing that's mine too myself anymore I mean complete physco case her obbssed steals my pictures or of my phone steals me know every place I move every time I change my number she gets it's written a freaking day we've switched phone services 4 times already and she has found my number written 2-3 days now if that's not as little wat to much idk wat is and the police just write a report and she's just destroying my credit and getting away with it she tried 8 days ago to steal {$36000.00} dollors out of my checking account and XXXX off my credit card that's why I don't list it on here cause she still gets on XXXX  and changes my information thxs for ur time her number is XXXX XXXX XXXX if you have any way of helping me get rid of this person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 items indicated below continue to report on my credit report despite XXXX written requests, in violation of federal law.I sent XXXX letters to the XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2023-08-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting 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 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 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 2024-01-06
Company: Westlake Services, LLC
State: NY
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:
Westlake financial entered a 36 months arrangement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party credit bureau. Their terms and condition says they do not provide my information to third party non-affiliates. the violated their own terms and condition when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additinally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Contact Info Westlake Financial. 
XXXX XXXX XXXX XXXX XXXX, CA 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 2023-01-18
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$36000.00XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX 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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS ACCOUNT IS FRAUD AND COMPANY WILL NOT SEND ME A COPY OF THE ORIGINAL CONTRACT WITH MY SIGNATURE, WHICH THEY ARE REQUIRED TO DO BY LAW. SECONDLY THE CREDIT BUREAU HAVE NOT SENT ME A DECISION SINCE THE ORIGINAL FILING OF XX/XX/2020 WHICH AS OF TODAY HAVE BEEN 60 DAYS ..PLEASE ENFORCE THE REMOVAL OF THESE ITEMS OFF MY CREDIT REPORT PLEASE. IM ALSO FORWARDING A COPY OF A POLICE 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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion reps hang up in my face. Refuse to give me a United States rep that I can understand. The customer services needs to be handled from a supervisor. 
XXXX account is incorrect, the pay status, term length, the balance and the account itself needs to be deleted in full. 
XXXX XXXX XXXX is an inaccurate account in my file. I spoke the creditor they say the accounts isnt available. It should be deleted ASAP. FCRA rights have been violated. I need assistance from a supervisor. Or the Cfpb! This company transunion needs to be investigated on the way they services the public and the inaccuracies on my file. They should be deleted!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: FL
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-07-08
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a loan by mail and cashed the check on XX/XX/XXXX in the amount of {$1200.00}. I was making payments but due to unforeseen circumstances, I am unable to meet all my financial obligations. I have no choice but to file bankruptcy and hired a bankruptcy attorney. I informed the branch manager of my situation on XX/XX/XXXX. I asked that all correspondence and communications be directed to my attorney. Today ( XX/XX/XXXX ) my co-worker informed me she received a phone call XXXX on her personal cell phone ) from the company asking about my whereabouts and if she could give me a message to call them. I feel my rights have been violated as they disclosed information to an unauthorized third party. I've never listed any references to call in regard to the loan. My co-worker knows the call was an attempt to collect a debt. It's extremely embarrassing to be in this situation in the first place. But to have my co-worker know about my financial situation is very humiliating. I have no idea why they would call my co-worker or how they even obtained her number. Especially after I let them know about my situation and referring them to my attorney. To make matters worse, we work directly next door to their office and they see me walk into work every single day. Why would they not confront me in person? Clearly, I'm not trying to hide, nor can I. I truly believe this is a bullying tactic to force me to pay. Honestly, I feel as though I'm now being harassed. Which is absolutely unacceptable. To be clear, I informed the branch manager on XX/XX/XXXX of my bankruptcy situation. He ( the branch manager ) has been out of the office all week this week. I assume on vacation. I had not received any further correspondence or communications in regard to the loan until today ( XX/XX/XXXX ). His supervisor ( s ) are currently working at the branch in his place, which is even more concerning to me. I believe they disregarded the notes on my account and initiated the phone call to my co-worker. Which was completely unnecessary. I will be utilizing all available resources ( XXXX, FTC, State Attorney General etc. ) to ensure this unethical practice does not continue. Please advise.

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 2019-06-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted I C Systems about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX XXXX, a utility provider in the state of XXXX   placed to collections : XXXX XXXX XXXX is inaccurate because I have never lived in the state of XXXX. 
It first appeared back in XXXX on my credit report under XXXX XXXX with the same amount {$XXXX}. I disputed it with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after XXXX  years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both Experian & XXXX are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to Experian & XXXX Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting XXXX XXXX XXXX several times they have not done anything to remove this incorrect information from 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 2022-12-27
Company: D2 Management LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOTICE of Fraudulent access to my non public personal information. No express written consent was provided to D2 Management to use, store or maintain my indentifying information for monetary gains. REMOVE or DELETE this entire account from ALL consumer reporting agencies and your internal data base. Failure to comply with law shall result in criminal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was sent letter I was pre-approved for a BBVA ClearPoints Credit Card. 
I applied on line. 
Website advised was declined and they would send me a letter with explanation. 
I received a letter dated XX/XX/2018 that said " unable to verify your identity ''. 

APPLICATION ID XXXX I called them at the number for questions that was on the letter and was told that they tried to call me " on a mobile number '' to text me a code to send back to them and that is the ONLY WAY that they will verify identity! I DO have a landline.

( 1 ) I am not able to get a signal on my cell phone at my residence which is in a valley among several mountains-can only use it when I go to town or on a trip.

( 2 ) I am XXXX years old and I don't even know how to text!

( 3 ) The letter said the denial was NOT based on information from a consumer reporting agency.

I talked to 4 different departments and they all said adamantly the mobile phone was the ONLY way would verify identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied and was approved for the XXXX program in FL. Ive been told my payment was sent to my mortgage company but it has been a month and not posted to my account.

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