BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: CA
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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

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 2022-02-17
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:
Dear XXXX, Transunion, and XXXX Notice to all, I am the flesh, living breathing women, I am the consumer the natural person and the original creditor. I am the agent of XXXX XXXX XXXX, lender, executor and administrator and holder in due course for all derivations thereof for the surname/given XXXX, XXXX, XXXX. 
Fact, please show good faith in this matter by expediting the securing of the alleged information listed in your office in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. 
Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of and/or with any affiliates will ensure my privacy rights wont be violated again due to the lack of consent and this therein unrebutted Affidavit of Truth being services to you today and therefore, standing as truth in commerce. 
Fact the FCRA is intended to secure my write to privacy and my privacy has been breached : Fact, under the Fair Debt Collection Practices Act, XXXX XXXX, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681 Fact, under the Fair Debt Collections Practices Act, Discover, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681. 
Fact, I did not give you all any consent to display anything on my report and I am DEMANDING that it be remove 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 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX And a cornets with the fair credit act convergent account XXXX has violated my rights. 

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

15 USC 1681 section 604 section : 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 explanation
Consumer complaint received 2023-11-15
Company: MOHELA
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX professed on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and preconditioned achieved lawful Permissible Purpose, and or is not factually true obedient as it is currently reported. Please DISLODGE from reporting right away! 

XXXX XXXX XXXX alleged on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and needed achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting immediately! 

XXXX XXXX XXXX stated on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and responsibility achieved lawful Permissible Purpose, and or is not testimonial adherent as it is currently reported. Please REMOVE from reporting immediately! 

XXXX questionable on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and burden to achieved lawful Permissible Purpose, and or is not factually true docile as it is currently reported. Please ELIMINATE from reporting at once! 

XXXX XXXX XXXX leery on XX/XX/XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and onus to achieved lawful Permissible Purpose, and or is not factually true compliant as it is currently reported. Please REMOVE from reporting 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 2022-03-26
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the evening of XX/XX/XXXX around XXXX AM XXXX XXXX  I went through the app XXXX  looking to buy an electronic device called a XXXX XXXX. I came in contact with a " seller '' named XXXX. We talked about price and we agreed on {$800.00} and that we'd do it through cashapp and he would give me a picture of " his ID ''. After this we carried the conversation over to texting. I gave him my address for shipping and sent him the money. We continued talking for a very short time after. Once I asked for a tracking number he had already blocked me on everything and proceeded to wipe his XXXX  account. Since then I have contacted CashApp and they didn't help me receive my money back. Was then told to report a fraudulent charge to my bank so I did. And have also yet to see any progress with that. I have screenshots of all of this by the way. I also have no idea if that ID is the offender 's or not as it could easily be stolen for someone to just put themselves out there like that when scamming. I tried reaching out to my bank. They decided against me even with police reports and mountains of evidence of getting scammed and never receiving the product. The same thing happened with Cash App. It's unreal how scammers can just get away with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home real estate tax bill has not been paid by my mortgage company ( Amerihome ) since XX/XX/XXXX and has now incurred penalty charges. My county tax office has sent me a final 30 day warning before my property goes to tax sale. I sent the bill to Amerihome on XXXX XX/XX/XXXX and informed them of the delinquency. They responded on XX/XX/XXXX that they were informing their tax department. After 3 weeks I sent a message informing them again of failure to pay my real estate tax. I have not received any response on correcting this issue. On XXXX XXXX they stated they may have paid the wrong parcel number on a property we no longer own. I reached out again on their chatline, they informed me they opened a second case order and the tax would be paid by XXXX XXXX. On XXXX and again on XXXX XXXX I informed them the tax had not been paid. They said they are opening a third case to resolve the issue and they sent me a letter informing me they are still working on it. Meanwhile the County is about to publish my home for tax sale by the end of this month ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to link my XXXX account to my American Express savings account. 
XXXX account show up as XXXX XXXX because that is the bank they use for US currency. After linking, my American Express savings account is frozen. 

I called them and uploaded the statement from XXXX as requested. 

My American Express savings account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' 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 2023-06-04
Company: Experian Information Solutions Inc.
State: TX
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: Information is incorrect

Complaint:
WRONG AND INACCURATE ADDRESSES

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 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
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 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 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion removed XXXX ( an account that I have disputed multiple times ) and added it back to my report without notifying me.

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX I 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 explanation
Consumer complaint received 2018-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I applied to refinance my truck with capital one in XX/XX/2018, I was approved and completed all the online paper work I was requested. once they had not said to me in almost a week my truck was not paid off I called in to find out thy had been calling my lender after hours to obtain a pay off and had not reached back out to me I asked them to conference call them to get it, we did and the pay off was higher than I was quoted before thus changing my monthly loan amount total of XXXX  and payments of XXXX  for the 48 months so once I was read the new info I asked for a new contract to sign, the rep said it will delay my loan so I decided against waiting and just moved fwd on it, I called in on XX/XX/XXXX spoke to a manager and he informed me they could mail me a new contact to sign right now so he did, same term of 48 months, payment was XXXX  a month amount financed total was XXXX. I get a contact in the mail for the first amount on the contract which I did not agree to. I called them to ask why I keep getting the run around and no one will give my any information I keep getting told they can change my account without sending me an updated contract I have asked multiple times I am being told no. I agreed to pay the following and only signed the following -- 48 months term, XXXX a month and XXXX total amount of payments the fact they are changing this after the fact since their rep only got a 9 day pay off and not the required 10 is a joke I as the customer have had the worst experience with this company and the entire process and no one will take accountability for this the contract has a disclaimer that I would be notified if any changes and I was not, no call, email or letter advising me the rep got the 9 day pay off not 10 days as he should have .I am being told the only document they have I e signed was for payments of XXXX no one can get me straight info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 lost my wallet on a cruise and I am in the process of buying a home and i got a copy of my credit report and notice items that was open due to 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 requested that XXXX, TransUnion, and XXXX reinvestigate the following accounts : Account name # XXXX, Account name # XXXX, Account name # XXXX, and Account name # XXXX. However, they have responded that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to 15 USC 1681 ( 5 ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the relevant sections of the Fair Credit Reporting Act ( FCRA ) that you mentioned. These sections state that you have the right to privacy, that consumer reporting agencies can not furnish a report without your written instructions, and that consumer reporting agencies can not include certain types of information in a report, such as criminal convictions that are more than seven years old. 

I hope this is helpful. Please let me know if you have any other questions. 

Here is another way to say it : I have disputed the accuracy of the information on my credit report with XXXX, TransUnion, and XXXX. The accounts in question are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information that is incorrect includes the open date, date of last activity, and other information. 

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to investigate disputes and modify or delete inaccurate information. I have provided the credit reporting agencies with all of the documentation that supports my dispute. 

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.

I am requesting that the credit reporting agencies reinvestigate my dispute and modify or delete the inaccurate information. I am also requesting that they send me a copy of my updated 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 2023-04-24
Company: EQUIFAX, INC.
State: MI
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 asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. I did a thorough search of my own. There are inaccuracies after the credit bureau verification. In accordance with the Fair Credit Reporting Act the following accounts have violated my rights Name of account XXXX XXXX XXXX  XXXX XXXX Name of account XXXX XXXX ACCOUNT XXXX XXXX  VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY 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 : it also states 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 that 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with explanation