BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER REVIEWING MY CREDIT REPORT. I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

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 2021-05-11
Company: BSI Financial Holdings, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have being asking since XX/XX/2020 to do a loan Modification to BSI Financial Services. 
It took them 9 months to send the papers. When they send it the dates were wrong, putting us automatically in default and the terms were unacceptable. They responded that it was non-negotiable. 
In addition they are increasing the monthly payment by 40 % and asking for a {$30.00} payment to pay expenses. 
It is impossible to reach anyone, and when we finally after numerous emails and calls, reach someone they can not discuss, nor decide anything. 

We really need your assistance. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MO
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 hope this letter finds you well. I am writing to formally register a complaint concerning several issues related to my credit report, specifically regarding multiple collection attempts and unauthorized inquiries.

I recently reviewed my credit report and discovered several problems that have negatively impacted my creditworthiness and financial well-being. I wish to highlight the following issues : I have identified multiple entries on my credit report indicating that I owe debts to collection agencies. To the best of my knowledge, I have not incurred any debts that warrant collection efforts. These entries are not only inaccurate but also damaging to my credit history. I have also noticed several unauthorized credit inquiries on my credit report. I did not provide consent for these inquiries, and they have adversely affected my credit score. I suspect that these inquiries are a result of identity theft or errors in reporting.

I understand the importance of accurate credit reporting and its significant impact on my financial stability. The inaccuracies on my credit report have caused undue stress and have hindered my ability to access financial products and services.

I kindly request the following actions to address these issues promptly : Investigate and correct the inaccuracies in my credit report, including the removal of unwarranted collection entries and unauthorized inquiries.

Provide me with a detailed explanation of the circumstances surrounding these inaccuracies, including how they occurred and the steps taken to prevent their recurrence.

Issue a formal letter confirming the corrections made to my credit report and ensure that all credit reporting agencies have been notified of these corrections.

Implement measures to safeguard my personal information and prevent unauthorized access to my credit report in the future.

I expect a thorough and swift resolution of these issues, as the inaccuracies on my credit report are causing significant financial harm and distress. Failure to address these concerns satisfactorily may compel me to seek legal remedies to protect my rights as a consumer. The following items are needs to be removed : MO CHLD SPRT XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX MO CHLD SPRT XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am utterly confused on why this is reporting on my credit report when I did not get in contact nor applied to any of these companies

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 2023-03-22
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : JXXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$7000.00}

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 2023-07-28
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent the money via Zelle on Friday, XX/XX/2023. It was not received. See attached. Then, on XX/XX/2023 my account was closed. Why? NO REASON!?? I had funds in the bank!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made my first payment on XX/XX/2023 by bill pay from my bank account. Payment was posted & MOHELA states they never received payment. I keep getting letters that state I am past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
I sent written request on XX/XX/2022 asking EXPERIAN to do verification on my credit report and they did, EXPERIAN stated everything was accurate and I did a thorough research myself and found improper inaccuracies on credit report even after EXPERIAN did the thorough research. 

In accordance with the Fair Credit Reporting act EXPERIAN has violated my rights. 

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

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Multiple improper inaccuracies found on the following account XXXX Account # 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 2021-03-30
Company: CBC Companies, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX, Innovis, XXXX adamantly refuse under any circumstances rational or otherwise to release my legally entitled free report or to discuss any remedy to release other than to " Read the letter '' in 9-14 days. 

All state in letter that scan ID images can not be verified SS, PASSPORT, DRIVER ID, XXXX Documents. All id scans used were exact images furnished to approve bank and credit applications without issue Documents were scanned high quality and faxed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Registered Mail Sent on XX/XX/XXXX with Hi res scans of Social Security, License, Bank Statement, Passport and Credit Statement were never adequate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions 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:
MY CREDIT REPORT SHOWS MANY INQUIRIES NOT DONE BY ME. I HAD CALL MANY TIMES TO THE CREDITOR AND TO THE CREDIT AGENCIES REGARDING TOO. CALLS MADE ON XXXX XXXX AND THEY REFUSED TO REMOVE ALL INQUIRIES, EVEN AFTER THEY PUT A FREUD ALERT ON MY PROFILE. THE AGENT REFERRED TO CALL ALL THE COMPANIES SO I DID AND YET MY PROBLEM IS FAR FROM GETTING FIX. 
MY CREDIT AND FAMILY IS SUFFERING NOW THAT I NEED TO APPLY FOR A MORTGAGE MY INTEREST RATE WILL BE MUCH HIGHER.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair, but they have been negligent in complying with my request.

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and 2 FTC reports related to this dispute are attached.

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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 requesting the removal of these fraudulent accounts that do not belong to me as i have been a victim of identity theft. please see my attached valid police report and FTC report to support my request. i have also filed a complaint with the CFPB regarding these accounts i have sent the credit bureaus more the enough supporting documents to remove these accounts and they still have not removed 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 explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: TX
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:
I sent 3 different letters to Experian, ( different accounts ) that they signed for on XXXX XXXX2020. Experian only responded to one of my letters, and never responded to the other two. I sent out a failure to respond letter that was delivered to them on XXXX XXXX2020 along with copies of each letter I sent, a copy of the one response they sent and all 3 copies of the certified tracking slips. Ive submitted complaints about how Experian has violated the FCRA by not inputting notice of dispute as well as failing to perform a proper investigation into my disputes. I recently received an updated credit report with no changes! Why were these accounts not handled properly. Experian failed to respond within the allotted time, however they still did not take the proper steps to rectify their mess up! Last time I made a complaint Experian responded they could not look into the situation because they were not sure I was who I claimed to be.

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 2023-07-20
Company: General Motors Financial Company, Inc.
State: TX
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 have a court order that states the debt belongs to someone else. The court order was submitted to XXXX, XXXX and XXXX and to GM Financial around XX/XX/XXXX or XX/XX/XXXX detailing the court order, and who the debt belongs to. XXXX, XXXX, XXXX and GM Financial submitted a response stating they will not remove debt from credit despite submitting legal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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. 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 # XXXX, Account Name : XXXX 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 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 2020-07-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
MAILED COLLECTIONS ATTEMPTS TO XXXX COUNTY SHERIFFS DEPARTMENT IN XXXX WISCONSIN LOCATED AT XXXX XXXX XXXX, WHICH THEY THEN OPENED AND REALIZED IT DIDNT BELONG TO A EMPLOYEE OR A DETAINEE. WAKEFIELD AND ASSOSIATES GAVE THEM INFORMATION WITHOUT MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MO
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:
Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between regional finance and XXXX XXXX XXXX and following companies see attached documents companies highlighted. 

As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletio
n process within 3 business days to comply with the terms of the agreement.

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: SC
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:
These inquiries on my credit report are a result of identity theft. 


XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : 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 explanation
Consumer complaint received 2023-02-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Two years ago I got approved for a loan which put my life on hold due to the APR being high the amount is high. The value of the car is at XXXX. I am paying more now than what the car is worth on top of it all the car broke down and Im still receiving phone calls from them the bank stating that they will add that to my credit history like theyve been doing which bought my credit score down which Im not liable to get another vehicle at the present time the repairs of the car is running about XXXX which they sold me a bucket which is a 2011 XXXX XXXX if I know what I know now and how is it going to put a dent on my future plans and now I wouldve never went through it can you please help

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 2020-08-04
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This company practices predatory loan tactics. I am cover under the service members relief act however, they raised my interest rate from 0 % to 30 % in a pandemic. They stated the promotional rate back charged me interest from 18 months ago. This was over {$2700.00} in interest. When I told them I had lost my job and talked to the company in XXXX due to the pandemic the representative XXXX laughed at me, and told me their was nothing he could do. And I should read next time. 30 % interest should be against the law! Please outlaw these practices.

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 2022-11-07
Company: Kimball, Tirey & St. John LLP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Kimble tirey and saint john a law firm for a x landlord keeps pulling my credit reports without my permission. They have been told to stop and still are constantly pulling my reports. 

They are trying to collect a debt that i do not owe them and never have owed them. 
They fraudulently got a judgement for there client after i relocated out of cali i was never notified of a court hearing. 
I have proof from there client an old email if i moved i owed her nothing this was to stop me from suing her over the damages to my truck, the XXXX on my son, as well as the XXXX on myself and back pay for being out of work due to my injuries. 
These attorneys keep putting this on my credit report then pull my credit report and i have told them they are not authorized to do so and need to stop immediately. 
I have informed them if i found they had pulled my credit report again i was filing a complaint with you and they did so again in XX/XX/2022.

Company response to consumer: Closed with explanation