BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
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:
So, I obtained a copy of my credit report and notice multiple errors with my personal information as well as account that I do not own this information is destroying my credit and I don't think is fair at all I'm sure I have 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 non-monetary relief
Consumer complaint received 2023-11-20
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, I noticed there was a hard inquiry placed on my Transunion credit file that I did not authorize. I reached out to Transunion on XX/XX/2023 and notified them about the unauthorized inquiry that was placed on my credit file by a company name XXXX XXXX XXXX. The Transunion customer service rep promised me on a recorded line that the hard inquiry would be removed off my credit file within 7 days. On XX/XX/2023, I pull a new copy of my Transunion credit file and the hard inquiry is still on there. At this point my rights were violated and I was lied too. This hard inquiry is damaging my credit file and hindering me from moving forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX KY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$5100.00} ; 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

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 2022-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX, XXXX XXXX, sent out a Affidavit of Truth stating the facts to PORTFOLIO RECOVERY ASSOCIATES , LLC via certified return mail ( XXXX XXXX XXXX XXXX XXXX ) which was received. I have two responses from them dated the same day, which is an insufficient/ incomplete response according to the the FDCPA. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Discrimination from XXXX XXXX after i was already approved completely rude offensive they approved me I made plans next day he rejected and hungup phone called me a XXXX CIT Financing External Inbox XXXX, XXXX XXXX XXXX XXXX  ( XXXX hours ago ) to me English Spanish Translate message Turn off for : English Good morning Thank you for signing your contract. After careful review and consideration, we are unable to proceed with your application. You will receive a letter in the mail within 30 days that explains things in more detail. Thank you for your time. 

XXXX XXXX XXXX  XXXX O : XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
again carrington assigns a rep mr XXXX XXXX who is not equiped to respond to borrower proposal of deed in lieu.or other concerns why assign a rep thay cant help/carrington not responding to written proposals why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I HAVE BEEN LIVING THERE SINCE XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE SSN VARIATIONS DO NOT BELONG TO ME ATTACHED IS MY SSN CARD XXXX THESE PHONE NUMBER DO NOT BELONG TO ME XXXX XXXX XXXX THIS IS NOT MY SPOUSE XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Direct Recovery Services, LLC
State: CA
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:
Voice  mail on  XX/XX/2017    about  XXXX  am got a cell voice mail from  XXXX   XXXX  saying the federal state law for  XXXX   XXXX  confidential if this is not the intended person to please hang up, so them the voice mail went on to say that  XXXX   XXXX  has the authorization to collect for creditor and has not heard from me, and if I dont want this to go into a greater problem that it will affect my society security number  I  need to call this number  XXXX  they are in a position to try to rescind this matter or have my attorney call,? they will public my society security to damaged me.         Later about  XXXX  I call back spoke to  XXXX   XXXX  said that I owe about {$640.00} and if I can pay this, I told her no she then said she can discount  XXXX  I still said no I can only pay  XXXX  per month  XXXX  said I can pay with debt card but I will have to set up, so I said I will call back  XX/XX/2017    so I did call back about  XXXX  am at that time I asked her for the company name and address and the business license this is the fair debt collection rights when I asked for this information Mrs.  XXXX   XXXX  said that she could not provide the business license she gave me the company name  Direct Recovery Services , No physical Address Only A Box # I asked if her company had a license to do business in the state of California she said yes, BUT I dont know that. The bottom line is that Mrs.  XXXX  did NOT offer me a Validation Notice so that I can confirm the Legitimate debt from this collector or that I Can dispute the amount she also said that they sent me letter on  XX/XX/2017    to my address which I have never received, I asked for a fax copy she said only E-mail I told her I have no E-mail. I feel that this agency is taking advantage of consumers that dont understand the debt collection practice laws,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is reporting in accurate information on my credit report damaging in my character and my credit

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 2023-06-16
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: Information belongs to someone else

Complaint:
DUE TO IDENTITY THEFT THESE EQUIFAX INQUIRIES DONT BELONG TO ME, PLEASE DELETE FROM MY EQUIFAX PROFILE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-16
Company: EQUIFAX, INC.
State: OH
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:
As of XX/XX/2023 Equifax is reporting XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  XXXX for the amount of XXXX XXXX and XXXX XXXX dollars. XXXX XXXX has sent me a letter stating that they no longer wish to attempt to collect this debt, and that the instructed Credit Reporting Agency to delete this account. XXXX has deleted this account as well as XXXX Equifax has not deleted this account as of now. 
Proof of this was downloaded into the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am sure that I have already paid this debt. I had gone to exhaustive measures to pay all the loans I had ever taken out several years ago and have not taken any loans out for many years. 
They say this debt was from XX/XX/2012. I know that a few years ago, after XX/XX/2012 but I'm not sure what year I paid everything because I had the money to and I knew I probably wouldn't get another chance. Since then I've had continuous phone calls and debt collections activities target me because of what I believe to be what is called " Zombie Debt. '' These collectors will send phony letters or even try and collect on legitimate past debts that has already been paid. I called a lawyer and they told me to come here but that the CFPB has been gutted by Trump. 
If you know of a good lawyer then email me their info because I would rather pay thousands to a lawyer now to make this stop than keep paying these XXXX every time they want to exploit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX MO ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-20
Company: Payfare International Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 at XXXX XXXX XXXX Time I received a notification {$75.00} had been withdrawn from my XXXX XXXX account @ XXXX XXXX at XXXX XXXX XXXX. 
At XXXX XXXX  a second attempt to withdraw {$75.00} was made but there was insufficient funds in my account from the same XXXX. 

I was at home at the time with my debit card in my wallet. 

My debit card must have been duplicated and the pin number stolen when I used an ATM. 

I have never been at XXXX XXXX at XXXX XXXX XXXX 

I filed a claim with the company that handles my checking account and debit card for the {$75.00}. 

They denied the claim since " the physical card and pin were used ''. 

It is common knowledge that debit cards can be duplicated and pins stolen. 

I believe it is federal law that banking institutions MUST reimburse customers if funds are stolen using a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
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:
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 U.S.C. 1681 : XXXX 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 : 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 2020-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A fraud alert was placed on my credit bureau profile, without my request and now resulting in no credit report found, as if I don't exist with Equifax. 
A fraud alert was placed without my authorization or request on XXXX  as well. 

I have NEVER requested this and demand it be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: LA
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:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 30 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 50 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file for litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation