BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Here are the following items items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$160.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXXXX/XX/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

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 2019-09-12
Company: Trident Asset Management, L.L.C.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I advised the creditor that they are only authorized to contact me using my own phone number. 
They called someone who is unrelated to me and who has never been used as any kind of reference. 
When asked to not call any other than my own, I was told they can not remove any numbers that they have on file even though I did not provide any other numbers. 

They are calling from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is 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 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


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 2023-10-06
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: Was not notified of investigation status or results

Complaint:
I have been sending information and notifications to the bureaus for months to help me with some accounts that are in my credit and they have not told me anything, they have never responded to me, not even by email. By law they must report what is happening with the case. It is unfair that I have to come to this for them to take me into 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
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 Account number XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 
Account number XXXX has violated my rights. 

XXXX ) XXXX XXXXXXXX XXXX Account number 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 2022-08-15
Company: Affirm 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate rhis reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.The accouns need to investigate and delete from erroneous reporting in my file are listed on my credit report : AFFIRM INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint serves as a formal notification that failure to block the specified accounts on my report will result in legal action. I have apprised my legal representative of my intent, and they are prepared to hold you accountable for willful noncompliance, currently constituting multiple violations of FCRA laws. My attorney, having successfully litigated against your organization in similar cases, is optimistic about the potential outcomes and damages involved. While I prefer an amicable resolution due to the simplicity of the remedy, please do not mistake my leniency for weakness. The consequences for your non-compliance could be substantial. Consider this your final warning. I insist on the immediate removal of the items specified in my fraud report, as detailed below : XXXX XXXX, XXXX XXXX XXXX, and 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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 LISTED ON MY CREDIT REPORT STATES I OWE A BALANCE OF {$64.00} THAT IS NOT CORRECT I CONTACTED THE COMPANY THEY ARE AWARE I HAVE A {$0.00} BALANCE PLEASE REMOVE THIS INCORRECT INFORMATION OFF OF MY CREDIT REPORY

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 2023-10-06
Company: Experian Information Solutions Inc.
State: NJ
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:
For the past XXXX years, I have been trying to get information on this debt that allegedly is mine. I have never been provided a copy of any contract bearing my signature nor information showing me that this information is mine. 
The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXXXXXX XXXX Address : XXXX Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA 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 2023-10-06
Company: Experian Information Solutions Inc.
State: MD
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:
I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Date of inquiry : 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 explanation
Consumer complaint received 2023-03-01
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
fees collected by XXXX regarding a listing that never posted or sold on my XXXX Account. The charges according to them is for a listing that i had listed for for auction .. this was never clear in writing at the time of publishing..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The information in my personal info is incorrect. 

I do not reside at address " XXXX XXXX XXXX XXXX, NJ XXXX. '' I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX. 

I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX '' I do not reside at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I do not reside at address at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

I do not reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I would like for all of these addresses to be removed from my credit report. I have no ties or affiliations to either one of them. Furthermore, I do not reside at either address.

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 2022-01-09
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since I have over 22 % equity in my home, I no longer am required to pay mortgage insurance. I requested to have the mortgage insurance cancelled, but Caliber denied the request without providing an explanation. Also, since I have over 22 % equity in my home, it is no longer a requirement that I make escrow payments to Caliber for homeowners ' insurance. I requested Caliber to stop charging me for these escrow items. On XX/XX/XXXX, I spoke to an employee named XXXX. XXXX said that Caliber will continue to change me for the escrow items, to include the homeowners ' insurance and that my request to discontinue escrow payments has been denied by the management of Caliber Home Loans. XXXX 's operator ID is XXXX. I asked XXXX why the XXXX homeowners ' insurance payment was not made to the insurer, XXXX XXXX. XXXX stated that Caliber Home Loans is going through bankruptcy and payments to all insurance companies had been suspended indefinetely. Despite faithfully and consistently making the escrow payments throughout the year, Caliber did not pay the homeowners ' insurance. The homeowners ' insurance was cancelled by the insurer with an effective date of XX/XX/XXXX. I had to pay the premium of {$2100.00} to XXXX XXXX out of my own pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im stressed and cant believe to my knowledge its been over 1200 days ago I sent letters about an investigation into items that were Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Southeast Auto Financial Services, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have already filled one complaint with this agency about the same transaction but because there is so much and it falls under several separate categories I dont know how else to do it. I have recently had to go look through my paperwork for my car loan and I was never given the actual financing terms or a copy of my loan agreement. I have been paying on my loan since 2019 and I have never even received a statement telling me what my balance is or my terms on my loan are. The paperwork I was given is just the price of the car my down payment and the taxes and different mandatory special financial add ons I had to buy. I was told I had to bring in a deferred down payment because I couldnt afford it at the time and like I stated earlier I never received a copy of my loan agreement. I just had a huge discrepancy on the amount that is listed on my credit bureau and the amount I received from my loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: MD
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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  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 of 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 explanation
Consumer complaint received 2020-12-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following inaccurate, contradictory 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 these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
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 as it is hindering my abilities as I'm trying to advance in my life by getting a house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-02-06
Company: Rocky Mountain Recovery Group
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter dated XX/XX/XXXX stating I owed on an original creditor account number that was never mine. I disputed the debt in 2 separate letters, one sent by uncertified mail on XX/XX/XXXX. The other sent certified mail XX/XX/XXXX. I got a validation letter with a completely different account number in which I had already paid the original creditor and had a {$0.00} balance on. The collection company then said I owed interest of {$340.00}. Which they did not provide any proof or contracts that said anything about any interest that was due. Though they stated that I owed it to their " client '' even though I have a {$0.00} balance on the account with their client. Not only did they provide me with an incorrect original creditor account number to begin with and amount owed, they contacted me by phone before they even sent what they thought was verification of the debt owed. They decided to switch to the account number after I had provided them with the documentation I did not owe on the account. They have the incorrect date in which the account was paid. They just made up a number in interest and said I still owed their client. I don't owe them or their client any amount. They also contacted me by phone on XX/XX/XXXX where they left a voicemail. Any collection agency must state that the purposes for communication is to collect a debt. They failed to do so.

Company response to consumer: Untimely response