BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-03-18
Company: CITIBANK, N.A.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with them back in XXXX or XXXX had XXXX $ from XXXX  transfered into my account. and tried to send 3 wire transfers. They failed and citi blocked/froze my account and online access. I then called to get this resolved and because I hadn't recieved my card yet they would not help me they said I would have to wait for them to send me a refrence number so the customer service lady said she me a refrence number. I was in the process of moving back to my moms house so wouldn't recieve mail at that address and she said that she got my address updated to where I was receiving mail well the refrence number never came its supposedly been sent 3 different times and never came. Ive called over 100 times and the only answer I get is I have to go into a branch.. I cant go into a branch the closest one is 700 miles away and I'm 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 2020-01-08
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My funds from my XXXX XXXX XXXX was garnished without me being notified of a court date or summons on XX/XX/2020. The company is XXXX XXXX  which went out of business almost three years ago. My bank states it was a legal order which I have no knowledge of and never was notified until I was declined trying to make a purchase with my debit card. I receive government funds which is not directly deposited into my account but is deposited after its received. I tried to explain this to my bank and debt collectors with proof and have not been able to get retrieve my funds back. I am on a fixed income and only get money once a month I am now facing eviction and repossession of my car as I can not pay the amounts due. Approximately about {$400.00} of money was garnish from my account with XXXX XXXX XXXX and I am left with legal order fees and others that automatically is paid through my bank. I have tried to resolve the matter and not getting any response or action. This is not okay especially not being able to defend this action taken against me. The address they have on file for me I have not lived there for years and it was stated that is where I was served which is not the truth. I dont know what to do as of now to retrieve my funds back as I am disable and live on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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:
This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX XXXX XXXX, and XXXX are amongst the list. Every communication with XXXX, Transunion, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have not given permission or signed consent that allows the agencies to furnish listed above. Consumer law clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 non-monetary relief
Consumer complaint received 2017-03-15
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I would Like to File a complaint on EXPERIAN CREDIT REPORTING AGENCIES reguarding late payment on XXXX account XXXX I Sent in certified mail receipt number XXXX along with copies of my XXXX account statements that I had Paid XXXX on the Months that they said I did n't I also attached a hand written Letter telling and ASKING experian That I wanted Physical Proof as to how they investigated the dispute. They failed to send me any of that Information and 3 to 4 days They said that The disputed was updated with in 4 days. I asked Experian not to use theie XXXX SYSTEM due to the fact that I HAVE MY PROOF OF PAYMENT THAT XXXX IS SAYING THAT I WAS 30 DAYS LATE OF THE ACCOUNTS AND I WAS NOT DUE TO THE FACT THAT I HAVE PROVIDED EXPERIAN PROOF OF PAYMENT WAS MADE ON TIME. I HAVE ASKED XXXX FOR THIS AND THEY FAILED TO RESPOND TO MY REQUEST SO I ASKED EXPERIAN TO INVESTIGATE THIS MATTER THEY SAID THAT THEY VERIFY THE LATES USING THERE XXXX SYSTEM AND WE ALL KNOW THAT SOMEBODY SITTING IN THERE BUTTS PUNCHING CODES I WANT PROOF AS TO WHO YOU SPOKE WITH AND ANY ANY TYPES OF VERIFICATION THAT YOU RECIEVED FROM THE CREDITOR XXXX DID N'T REPONSE TO MY REQUEST BUT EXPERIAN SAID THEY RESPONED THAT THEY VERIFY IT WAS REPORTING CORRECT I WANT SOMETHING IN WRITTING AS TO WHO YOU SPOKE WITH AND HOW THEY VERIFIED IT

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 2023-09-01
Company: EQUIFAX, INC.
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:
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 is 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 remove these items. 
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 XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm trying to drop my PMI insurance on an FHA loan. I currently owe {$34000.00} on the loan with the current value of the house at {$45000.00} leaving me with a ltv of 76.27 % the original value of the house was {$72000.00} leaving me with a value of 47.67 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX Account Number : XXXX Reason : Account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/2016 ) is wrong. Please remove this account. 
Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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 USC 1681. 
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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted this collection agency back in XXXX/ XXXX/ 2017 regarding the validity of this account. According to my FCRA & FDCPA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, 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, everything must be 100 % accurate. 

The credit bureaus stated my account for XXXX XXXX was properly investigated but that is impossible if the balance is inaccurate, the date last verified is inaccurate, date of last activity is inaccurate, date reported is inaccurate, date opened is inaccurate, closed date is inaccurate, creditor type is inaccurate, credit remarks are inaccurate, last payment is inaccurate, and payment frequency is inaccurate, along with tow year of payment history is inaccurate. This is grounds for removal. 

My rights under the FCRA are also being violated such as : 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. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 errorsA 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. 

Going for a mortgage to purchase a home for my 3 children, the mortgage company pulls from all 3 reporting agencies, and this information in each credit bureau is being reported inaccurately and inconsistent. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and have failed to do so. Please DELETE this erroneous item immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. The amount of {$200.00} is not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020 XXXX  is lacing my credit report with false entries again. 
Toyota Motor Credit Corp/Toyota Financial Services is a CLOSED fraudulent account. XXXX  is reporting missed payment-this is a lie. 

XXXX  is to delete all auto hard inquiries from unknown source entries. Clean up my report FCRA!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 information has been taken and used several times to get different accounts. I have reported this. I have an police report and a federal trade commissioner report as well. The credit bureau yet still reports inaccurate information on my file with no urgency to remove. This has effected me very bad because I cant even use my own credit effectively I pay all my bills on time and struggled to maintain a good credit to my credit being destroyed by someone else. The bureaus be no help to people effect by identity theft.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2019-01-30
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account XX/XX/2015 with XXXX/ Cont Finco. I closed it and then settled it as paid in full for less. I ask them to remove the account after i settled it. they said they could not.

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 2021-03-08
Company: Credit Adjustments Inc
State: CA
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:
Pell Grant Overpayment. ( {$400.00} ) ( There was not an option for school grants. If this has been sent to the wrong dept. please forward. ) On XX/XX/XXXX I called Credit Adjustments Inc., the collection agents for my two defaulted federal student loans. ( Credit Adjustments Inc. ) During that call the agent told me in order to qualify for the rehab I would need to pay in full the " Grant Overpayment ''. I was unaware of any overpayment. This was a " first time '' Pell Grant. ( issue date XXXX ) I agreed to pay the overpayment. During that call, before setting up the loan rehab, the agent took my payment in full over the phone. Further, the agent impressed upon me that all negative reports to the credit reporting agencies would be removed upon completion of the rehab program. 

I successfully completed the loan rehab XX/XX/XXXX. The two federal student loans I have are reporting correctly. Those two debts report " current '' and no late payments. The Pell Grant Overpayment reports Collection. Collection as of XX/XX/XXXX. So, 7 years of a collection is the result. XXXX says the baddie will stay until XXXX. XXXX!!! 

Called and wrote to XXXX  ( other two c.r.a. 's are not reporting the debt ). 
XXXX  reports the trade line as : " Account type : Student Loan '' ( it was grant when distributed, yet reports as Loan. ) " Account status : Paid, was a collection account, insurance claim or government claim or was terminated for default. ''

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 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit reporting agencies have added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

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