BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost thousands of dollars paid high interest rates aggravating XXXX stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!

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 2018-10-20
Company: Fidelity National Information Services, Inc. (FNIS)
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:
The inquirer name is XXXX XXXX XXXX. the date it happened was XX/XX/2017. It was reported to XXXX and ChexSystems. I disputed it with ChexSystems and they refuse to removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: KY
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 statement is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

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 2022-11-03
Company: EQUIFAX, INC.
State: OH
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 looking at my credit report and I have an exorbitant amount of soft inquiries by Equifax. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports- Each of those Inquiries are against the law and subject to a {$1000.00} fine for each, paid directly to me. I am including a copy of each Inquiry below. I am submitting this through the CFPB to document and record this complaint. I am a law abiding citizen and it seems that Equifax can just do as they please while breaking the law constantly and negatively affecting the person 's credit/life. I am here to assert my rights fully and to collect the {$1000.00} fine per each soft inquiry on my report. If Equifax Willfully and Knowingly decides to further deceive me or the CFPB from this point on, then that is subject to more penalties and fines. I intend to take this as far as I need to to hold Equifax accountable for breaking the law and bullying me and causing irreparable harm to my reputation. I also intend for those inquiries to be removed from my report. 

Soft Inquiries Inquiries that do not impact your credit scores. These are inquiries, for example, from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit file. They may remain on your file for up to XXXX  years. 

DATE COMPANY DESCRIPTION REQUEST ORIGINATOR XX/XX/2022 EQUIFAX XXXX XXXX CONS XXXX XX/XX/2022 EQUIFAX UPDATE Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 EQUIFAX XXXX XXXX CONS XXXX XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXXXXXX XXXX CARD PREQCARD XX/XX/2022 XXXX  XXXX Soft Inquiry XX/XX/2022 EQUIFAX XXXX XXXX XXXX XXXX XX/XX/2022 EQUIFAX Automated Consumer Interview System XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/2022 EQUIFAX INFORMATION XXXX Automated Consumer Interview System

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Please note this complaint was also filed with the XXXX XXXX  XXXX XXXX. I previously settled a debt in full which was being collected by Messerli Kramer law office. Several days after they were paid in full and received a letter of stipulation, I began receiving repeated phone calls from their office which I did not answer or return. I assumed they had not updated their systems and were continuing to ( illegally ) attempt to collect a settled account. 

On XX/XX/2019 at XXXX XXXX CST I received another call from their office from phone number XXXX and a voicemail message was left. I listened to the message which was from an XXXX XXXX ( spelling? ) who stated in the message that the message was intended for a XXXX LAST NAME REDACTED ( spelling? ) and further stated this is an attempt by a debt collector to collect a debt. A short time later I contacted the office and asked to speak to a supervisor. After a rude individual repeteadly demanded my personal information, which I refused to give, I was connected to a supervisor named XXXX. I communicated the concern to him and he indicated he would update their system to remove my number from the account they were attempting to collect from XXXX ( XXXX ) I have multiple concerns here, one being the disregard for the Fair Debt Collection Practices Act as it relates to the prohibition of third party disclosure as occurred in the voicemail message. Next my concern is the repeated calls. Finally, my concern is for the disclosure of my own information. As someone who previously paid a debt to this agency, I can not help but wonder how many times they called a wrong number and disclosed my name and information to a 3rd party? How many other debtors information has been disclosed to other 3rd parties as well? There appears to be a common practice by this agency which violates the FDCPA. I can not imagine that this is the first such complaint about this agency and I strongly encourage you to follow up on this matter. This is precisely what regulatory agencies like the XXXX  XXXX XXXX are charged with investigating and addressing. 

Please note that I will be cross-filing this complaint with the Federal regulatory agency as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom it may concern, There have been several attempts to delete the referenced student loan accounts from my credit reports due to the fact they have not been verified properly... I recently called the dept of edu for account numbers XXXX and XXXX and requested a promissory note for these accounts opened up in XXXX The information that I received is saying that the accounts were opened up in XXXX about consolidating the loans that were opened up in XXXX.. The problem with these accounts is that My name is spelled incorrectly ... My name is spelled XXXX XXXX not XXXX XXXX The other thing is that there is no signature of the original documents of my signature that I asked for there is a computer typed in misspelled signature of XXXX  XXXX... The other problem is that There is no record of the original loans that were opened up in XXXX Another problem is that the address linked to these loans would not have been linked to the above accounts the were originally opened in XXXX  because I was not affiliated with that address... I am asking the the accounts be deleted again.. There is no proof that these loans are mine... Please review and delete the closed accounts on all three credit bureaus... 
Thank you with kind regards 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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
trans union is reporting XXXX XXXX XXXX XXXX XXXX on my account after being notified of identity theft and fraud these account and balance do not belong to me I have reached out on this numerous times now

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  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 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 2018-10-20
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During hurricane Irma my mortgage company : Caliber Home Loans offered me a natural disaster hardship deferment for 3 months. I have never missed or was late with any payments until the hurricane. I was told that the 3 months would he put at the end of the mortgage. Then in XXXX they sent a letter and said if I didnt pay the entire amount of the 3 months mortgage payment or I will face foreclosure. Since then they said I didnt qualify for any programs and I must pay. They have also took off of my credit report that I was a victim of a natural disaster and put that I am 90-120 days late which has significantly lowered my score. I have paid my mortgage on time since then deferment ended and am only behind the 3 months they lied about putting at the end of my mortgage. Please help me keep my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I sent XXXX XXXX XXXX a debt validation on XXXX XXXX 2017. Amount was for XXXX. XXXX XXXX XXXX never responded. Now XXXX XXXX XXXX is suing me and I did not receive any documents from them. Only documents I received is from XXXX XXXX XXXX XXXX stating that XXXX XXXX XXXX is suing me. The debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act convergent accounts XXXX  XXXX Reported : XXXXXXXX XXXX XXXX  + {$200.00} Closed XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX  {$180.00} Closed 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.

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 2021-04-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a problem with my Sam 's Club Credit card since I opened it last year. Not sure if it is the bank or just Sam 's Club, but there are some very questionable and misleading practices they have that are alarming. 

When I opened it, I was told the card was accepted at Sam 's and Walmart stores. I also was told that if I made a purchase within the first 90 days, I would get a credit of {$45.00} on my acct. I did, and when I went to pay the balance off, I inquired when the {$45.00} would be posted and was told the date. After that date passed with no credit, I inquired and was told " You didn't make the purchase at Sam 's Club. '' They were NOT explicitly clear as to where the store the purchase needed to be made and it was misleading because it was also stating the card could be used at both. 

Most recently, I had an issue where I had signed into my acct on XX/XX/21 to see when the payment was due, as I had not received an email stating it was time for the payment. I saw that the due date was XX/XX/21 and I was a few days late. I clicked " Pay the minimum payment '' button and went through the steps to pay the minimum payment. I even asked a chat rep if there would be a late fee and he said he would waive it. Then, today, XX/XX/21, I checked my bank acct and the full balance -- over {$400.00} -- had been taken, leaving me with an overdraft. Sam 's Club Credit would reverse it or cancel it and basically said, " You made a mistake. '' They have shady, misleading, and deceptive practices and the bank that is behind their credit cards needs to be investigated. People need to be warned to NOT open a credit card with them, as they are fraudulent.

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 monetary relief
Consumer complaint received 2018-10-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a complaint on the actual day and time when it happened because I never left the ATM machine .The person from the company on the XXXX number told me I did not need a confirmation number or a complaint number. If any thing he has my name he submitted the claim he has my account number.I went into the bank to retrieve my card and show them the receipts from the error at their ATM machine with my cash and they said they had no record of such claims .I HAVE RECEIPTS, IT HAPPENED AT BRANCH BANK NOT RANDOM ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Franklin Collection Service, Inc.
State: NH
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:
Franklin Collection Services is reporting my delinquent XXXX account on my son 's credit report. My son is trying to refinance his mortgage and this is hurting his credit. We both have the same first and last name, but different middle names, addresses and obviously social security numbers. My son has never had a XXXX account. 

My son disputed this to the XXXX, XXXX and XXXX  on XX/XX/2020. They are all saying their information is accurate. 

My wife wrote to XXXX on XX/XX/XXXX. We have had no response from them and the account continues to appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from National recovery agency about two unpaid records. And I have all records on my end. I told them what they have is wrong. and then they keep calling me and sent me a mail. Of these two unpaid records, the one on XX/XX/2018 is not existed ; the other one on XX/XX/2018 is a mistake. When we visited the provider on that day, we give the wrong insurance card. and we later update them with a new insurance card. I personally visit XXXX XXXX XXXX financial department and they said the problem is solved and told me not to worry about the wrong bill. 

I have no idea how the National Recovery Agency gets these wrong and outdated information and tried to blackmail me. but please help me to stop them from doing this. 

thanks.

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 2022-11-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
i XXXX XXXX, natural person am submitting a dispute on my own with no help of anyone, my dispute letter is attached plus proof of violations please see attachments. 

XXXX you are also in violation of 15U.S CODE 1681N CIVIL LIABILITY FOR NON-COMPLIANCE YOU ARE ALSO IN VIOLATION OF 2. 15 usc 1681 e ( B ) 3. 15 U.S. Code 1693a ) 4. : 15 usc 1681 ( a ) ( 4 ) 5. 15 usc 1681b ( a ) ( 2 ) 6.15 usc 1681a- ( e ) YOU STATED IN YOUR LAST RESPONSE : " VERIFIED AS REPORTED '' IT IS CLEAR THAT YOUR COMPANY DECEITFUL AND YOU HAVE NO LEG TO STAND ON, LITIGATION HAS BEGUN AGAINST YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: PlusFour, Inc
State: NV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I disputed directly with the collection company because I don't believe this debt to be accurate ; so I requested validation of the debt. PlusFour Inc never responded to me nor did they ever validate the debt they claim is owed. I have now submitted a 2nd dispute, today XX/XX/2021 with PlusFour Inc and pending a response.

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 2024-01-07
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:
XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in 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 2023-10-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief