BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
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:
In accordance with the Fair Credit Reporting act XXXX  accounts XXXX 30 day late payments on XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX has violated my rights.

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

15 U.S.C. 1681 section 604 A section 2 it aslo states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX/Equifax is reporting incorrect information on my credit profile, I have attempted several times to have the information updated and removed and have not been able to be successful. 
There is a collections account XXXX XXXX XXXX showing a open date of XX/XX/2020. This is fraudulent and needs to be removed. 
There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX  is reporting the following incorrect information : There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX is also reporting an incorrect collection that previously was advised was removed but is still reporting for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Mr. Cooper Group Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
We have bought insurance on our property with our agent under a multipolicy discount ( my son and my mom have insurances on their houses or cars with the company ) and there was a leak in the bathroom pipes when we had snow inside the hosue, flooding the bathroom, bedroom carpet and the closet carpet. 
We filed a claim, and the agent and I spoke about it and he sent it to the XXXX. The XXXX told us to go ahead and contract the repair plumber and drywaller. We did not hear from them for days and the laborers stop the work until they are fully paid. 
The XXXX came back from vacation and told that the insurance contract that we had with the agent who resigned got refunded and terminated. And that another company took over, who is inside XXXX XXXX XXXX. 
The XXXX declined o pay the bill of the repair, and my mom has XXXX, and she got covid and I too, we had to be quarantined in our house and the smell by now was very strong and made us so sick. 
The insurance company did not even send someone to inspect the property at all and then when we called, they put a company by the name Mr COOPER as a payee and when we called them and gave our information, none of their loans matched my mother 's ( XXXX XXXX ) or my social security number ( XXXX XXXX XXXX ) and they told that they can not give information to us at all about this " debt '' because we are NOT in the loan, We called the title company escrow agent XXXX XXXX who closed on our home ( attorney escrow agent ) and he told us that the loan was probably done " in personality '' by the prior sellers after we closed on the loan. 
The bathroom repair costed XXXX and there is yet to replace the carpet that is moldy now and will affect our health and we do not have money to lend XXXX while they send an inspector to inspect our home. The claim was filed in XXXX, and it is almost 2 months now XX/XX/2022. I called the NM XXXX and told the agent I was going to file a complaint with the nm department of insurance because if the pipe burst inside the wall and lots of water rushed out and flooded the room, then it is due to a pipe damage covered under water damage, and all the consequences and damages stemmed from that. /all state then issued a refund of our policy and sent us back XXXX $ and cancelled our insurance to not pay the claim. 
They then retaliated and cancelled our insurance and returned our payment on our policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I filed a ftc report for unauthorized inquiries on my TransUnion credit report dating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2022-04-11
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-04-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
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 permission.

15 U.S.C 1692 C

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 2022-03-02
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 45 days, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

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 2020-11-12
Company: Experian Information Solutions Inc.
State: CT
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SXXXX 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 2024-01-09
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:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-01-07
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection company has been served a cease and desist letter and has not complied and continues to report this on my credit report and i do not owe this debt to no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
This is a Kohls Credit Card. I noticed on my credit report that Kohls started my card was past due XX/XX/XXXX. I noticed it a few months ago ( XX/XX/XXXX ) .I called the Kohls XXXX number and spoke to an associate. I was informed that there was never a report made to the credit agencies. 

The card is in my maiden name and is XXXX XXXX. 

I received a letter dated XX/XX/XXXX in which they confirmed that any notation was internal only and was not sent to the credit agencies. I then took that letter and sent it to Kohls again. I received a pre-printed letter stating that my credit report is correct and there is nothing they can do. 

I have a letter from them stating they never notified the credit agencies and they confirmed that. Now they are refusing to correct their error that they admitted to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15
Company: Global Credit & Collection Corporation
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is over a year old, so I may be too late : On XX/XX/XXXX, I received a bill from Global Credit & Collection Corp for {$3000.00}, and the " original creditor '' cited was XXXX XXXX. I have never had an account with XXXX XXXX, so this immediately aroused my suspicion. 

I called to inquire and was asked for my social security number, which I refused to divulge ; after pressure I finally cited the last four digits and the rep on the other end of the line cited my SS # in full. I was then told that this was a debt dating back to XXXX ( I believe that is the correct year ; if not it was somewhere near that year ) and that I should " do the right thing '' and repay this debt .... I kept insisting that I never had a XXXX XXXX account. At this point I was offered an option to " settle '' the debt for about half the price if I " paid today. '' I said I would call back and then immediately called XXXX XXXX, whereupon I was assured that I never had an account with them. 

I called Global Credit back and oddly enough the gentleman with whom I had previously spoken was gone. I then informed the woman on the phone that I had never had an account with XXXX XXXX and this was a fraudulent claim. She said they had received the claim from Velocity Investments, LLC ... 

I never heard from them again, but stories of recent scams in the news have lead me to feel a responsibility to report this agency for fraud. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: WSFS FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX XXXX, COMPLAINTANT has successfully created a joint account with WSFS bank. Account was finalized on XX/XX/XXXX at XXXX XXXX with verification with deposits via a different bank. 
Mobile access and SMS/email notifications were all functional starting XX/XX/XXXX from XXXX XXXX  to XX/XX/XXXX XXXX XXXX  when WSFS security department suddenly restricted the account. 
Representative on XX/XX/XXXX at XXXX XXXX indicated that only the mobile access, not the entire account, was put on block. 
COMPLAINTANT asks that WSFS uses the same criteria against other accounts to restrict them the same way they put a restriction on COMPLAINTANT 's  account. 
COMPLAINTANT acknowledges WSFS 's right to deny/refuse service to anyone for any reason ( as long as not pertaining to age/religion/nationality/race ), however, would like to note that this interaction seems forced by WSFS. By placing a manual and artificial restriction on COMPLAINTANT 's account, WSFS forces COMPLAINTANT to call its customer service representatives. ( To refute this account, WSFS can look into how many of new customers it places restriction on, after new accounts pass enrollment verification that includes credit reporting agency 's questions as well as entering driver 's license and/or passport information ).

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 2019-10-17
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: Old information reappears or never goes away

Complaint:
I have checked my credit reports ( XXXX, TransUnion and XXXX ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.

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 2023-03-08
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I informed this agency I have no contract with them or unaware of this debt. I received no notifications of debt or right to dispute this debt. I received an alert of a collection and immediately contacted this agency disputing this debt or that I have no legal binding documents with this collection agency nor have permission or instructions to report to the credit bureau Agency : First Federal credit XXXXXXXX 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. 

Account name : First Federal Credit # 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. 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: Untimely response
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 's US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, DEPT ED XXXX XXXX, DEPT ED XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and 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 The credit bureaus have failed to follow the law and have constantly ignored my requests to delete and remove these accounts 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 2022-08-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N accordance with fair credit reporting act XXXX act account # 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 an 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 2020-05-03
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC won't let my bank account link to XXXX app. I have used this in the past but XXXX app says PNC won't work with them. This is ridiculous.

Company response to consumer: Closed with explanation