BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
On XXXX, XXXX, 2022 a letter was sent via certified mail letter XXXX XXXX know that my consumer rights had been violated no response was send in over 45 days not even a certified slip came back I have no response and at this time I am demanding as the consumer all listed items in the letter be removed immediately due to violations of my consumer rights and also not responding within the federal time period given

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 2023-10-28
Company: First Federal Credit Control, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested Proper verification and validation to FFCC-CLVLAND Original creditor : XXXX XXXX XXXXXXXX this company has placed the account XXXX showing a amount owe of {$670.00} I have no knowledge of this account, I have disputed it multiple times and not documentation step by step validating this account has been provided. 

this account is affecting my credit report and as per the fair credit act I request a immidate removal from my XXXX credit report. 

Also XXXX fail to verify and validate this account as stated by the fair credit act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts my credit score.

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 2022-05-17
Company: EQUIFAX, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
On XXXX, XXXX, 2022 a letter was sent via certified mail letter XXXX XXXX know that my consumer rights had been violated no response was send in over 45 days not even a certified slip came back I have no response and at this time I am demanding as the consumer all listed items in the letter be removed immediately due to violations of my consumer rights and also not responding within the federal time period given

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I I have around XXXX American Express gift cards given to me over the course of 3 years, totaling $ XXXX. Not a single card works for purchases inside stores or online. You call the customer service number, and it won't give you a human to speak to. I found another number for them on XXXX and the representative confirmed multiple cards were active and had money on them. 



However, when asked what I can do to use my cards, he kept repeating that there is no fraud and that I can use the card in stores and online. I explained to the representative that I was unable to use the cards anywhere, he just kept repeating the same lines about being able to use them in stores or online. He gave no help with how to retrieve the money or fix the issue. I am livid, this was what I was going to spend on XXXX gifts. At this point, they are stealing money and doing nothing to resolve the issue. I've talked to other people, and they've had the same issue with American Express cards. I don't run into this problem with visa gift cards. 



What can I do to solve things? They aren't giving consumers any choice but to allow them to steal their money. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: FL
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 frustrated to know that my credit history has been compromised and targeted with false and inaccurate information that i have not consented to. I will need these false items removed 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 explanation
Consumer complaint received 2023-02-02
Company: FREEDOM FINANCIAL NETWORK
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a loan with freedom pluss but due to health issues and other bills had to consolidate my bills thru XXXX  to keep from fileing a XXXX  XXXX. I contacted freedom and advised them of this. I few days latter I got a call from freedom plus but when i answered it was a company called achieve regarding this debt i advised them it was under a debt consolidation. They soon began calling me daily with no voice mail. I then began to get calls from them and caller id stated we have the loan you need. I sent a formal cease and dedit to them advising i had never recieved anything saying that they aquired this loan. The following week call volume from them went up and at hours they new i would be at work. I also was recieving blocked and anonmus calls i suspect was from them as well as they imidiantly followed a call from achieve. I feel they have violated my rights under the FDCPA and would like them to stop as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: BSI Financial Holdings, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This all started approx. 3 months ago. Bsi financial sent in an escrow payment to my insurance agency. They included multiple other people 's policy payments in the payment to them. The insurance company issued a refund to me which I then mailed back to bsi to put in my escrow. I then recieved a bill from the insurance company trying to get the money back. I contacted bsi financial. They then proceeded to pull the money from my escrow account stating that it wasnt my money to start with which I get but the insurance company still is billing me for the money they sent back. After numerous phone calls they said things were handled. They were not. They also reversed a mortgage payment that was made and then sent me collection notices. Finally they found the payment that was made on time and not late but they put it in for the date they found it. Since they found it after the due date they reported to the credit bureau that it was 30 days late which dropped my credit score a lot. I then recieved my monthly statement yesterday stating that I didnt pay last months premium. Which I did and they were able to find that but I also now see that they pulled over 2000 dollars out of my escrow to pay the insurance company. They already pulled the XXXX I sent them out. Currently I have never been late on a payment and it appears they are trying to make me pay for other people 's insurance. Also was notified from my insurance agent that the insurance company still has me listed as getting dropped due to no payment of the money they sent me by mistake. 

Basically I always have paid my Bill 's on time and it looks like for doing that it will cost me at least an additional XXXX dollars out of my pocket, a major hit on my credit report and I will have to pay out of pocket to get new insurance for my property if I get dropped. 

Pretty sure when you sign an agreement with a company both ends have to hold up there end. I've done my part to the fullest neither the mortgage lender or the insurance company have lived up to their end. I know breach of contract is a thing and both companies meet every item for that offense. 

The amount of money it has cost me by the countless hours on the phone with them is not something I can make up. 

All I did was try to do the right thing and now all I get is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
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 explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion will not allow me to view my credit report online. In 2019 I asked them a couple of times to remove a collection from my account. I even hired a third party The XXXX XXXX  to help with the process. When Transunion would not respond. I had a lawyer send out a letter demanding they remove the collection. 

Once Transunion removed the collection they are making me only able to receive a credit report via mail. When I called them and asked them why was this the case. They told me because I violated their policy by having a lawyer contact them.

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 2023-12-15
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX  I called the office requesting to extended my pay day due to I have a XXXX, the person answer me in a bad actitude and told me they are going to repose my car, I never say im not going to pay, im only ask if i can send my payment the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: GA
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:
A dispute was submitted with Experian on or around XX/XX/23 regarding 9 accounts from XXXX that showed factually incorrect payment history. Attached to this dispute was a document from the reporting creditor ( XXXX  ) showing that the accounts were in deferment or forbearance during the specified dates. 

Experian completed their " investigation '' and noted that accounts were reporting correctly on or around XX/XX/23. Experian was called regarding this issue on the same date and informed me that there was nothing I could do regarding this situation. I asked to speak to a supervisor and this same information was parroted to me regarding my issue. 


The dates in question are : XXXX and XXXX for all XXXX XXXX Accounts listed on 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 explanation
Consumer complaint received 2018-10-30
Company: GOLDEN 1 CREDIT UNION, THE
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: Credit inquiries on your report that you don't recognize

Complaint:
Golden 1 Credit Union has ran my credit without my permission and I am requesting the removal of the hard credit inquiry from my XXXX credit report. 

I have attached a copy of my pre-approval letter from my credit union, XXXX XXXX XXXX, which shows that there was no reason for my credit to be ran.

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 2023-06-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

Comenity Capital Bank/ Forever 21 Account # XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: LEXISNEXIS
State: TX
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 received a letter from Lexisnexis the data furnisher that provided XXXX with inaccurate alleged bankruptcy information. No Power of Attorney, US Bankruptcy Court or any other entity with an original notarized signed proof of alleged bankruptcy and proof of identity has been provided by Lexisnexis, XXXX, XXXX or any other person/entity of who can testify under oath that an alleged bankruptcy occurred. 

XXXX has violated my rights under FCRA, CFPB, FTC. Any inaccurate information that can not be obtained and verified or proven by law with the truth have to be removed from my credit file. XXXX has not re-investigated the alleged bankruptcy. XXXX has made false allegations and has not mailed me at my request proof of the alleged bankruptcy. FCRA suppose to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: EQUIFAX, INC.
State: VA
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:
Within the last 3 months I have filed several disputes with this company clearly stating that I would like a fair and real investigation to be done. This company refuses to comply with HIPAA repeatedly reporting a medical account that can not be verified, and also an account that is currently in violation of HIPAA due to releasing medical info without proper authorization. I also disputed another account with them several times ( XXXX XXXX ) that is not my account. This account is also unverified and was opened by someone when I was under 18. Even though I asked Equifax to verify the validity of this account, they still have not removed this account from my consumer file. I called XXXX myself, spoke to a supervisor and confirmed that they have no XXXX account in my name. Equifax refused to comply with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report from XXXX XXXXXXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). I am concerned that TransUnion did not conduct a proper investigation into this inquiry, and I am requesting its immediate removal from my credit report. 
As a consumer, I am protected under the following rights granted by the FCRA : 1. Right to Accurate Information : The FCRA ensures that information reported on my credit file is accurate and up-to-date. 
2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report. 
3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation upon receiving a dispute about any information on my credit report. 
4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment in matters related to my credit information. 
5. 
I firmly believe that TransUnion has not fulfilled its obligation to conduct a proper investigation into the XXXX XXXX inquiry, leading to inaccurate information on my credit report. I urgently request you to take immediate action and remove this inquiry to rectify the violation of my FCRA rights. 

Please provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 

Thank you for your prompt attention to this matter. 
Sincerely, 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 2019-02-01
Company: Seterus, 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: Account information incorrect

Complaint:
In XX/XX/XXXX we went through a mortgage modification on the term ONLY with Seterus, same origination date, same loan number. The loan originated in XX/XX/XXXX and was for an original amount of {$340000.00}. The modification documents reflect that the ORIGINAL balance was {$340000.00}. From XX/XX/XXXX to XX/XX/XXXX this is what was reflected on all three credit bureau reports ( XXXX/XXXX/XXXX ), an  original loan amount of {$340000.00}. As of XX/XX/XXXX Seterus began reporting an original loan balance of {$260000.00} ( the balance at modification ), effectively making it look like we had paid little or nothing toward the principal of the loan and this is impacting our credit scoring for future refinance or other loans. 
In XX/XX/XXXX, I corresponded with Seterus and they refuse to report the data correctly. 
XXXX XXXX servicer guidelines and Consumer Data Industry Association both address the correct Original balance amount is the beginning loan amount not the new modified " starting balance ''. Our credit reports/scoring mentioned that the high balance/original loan amount impacts the score.

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