BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Avant Holding Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a personal loan in XXXX of 2022 and was approved. I got an email saying funds were deposited but I never received anything. I reported it to them several times. They asked for my bank statements to prove I never received them and I sent them. Since then, this has been reported to my credit fraudulently because I never received any funds. I am also getting reminders for payments. I have tried reaching out several times and asked to a supervisor and conveniently, they are never available. I have also filed a complaint with the XXXX. I just want this to be taken care of and taken out of my name. They lied about funds being distributed and are fraudulently reporting information to the credit agencies on a loan I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: C.Tech Collections, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
C.TECH collections never contacted me about a medical debt and reported the collection to XXXX XXXX XXXX reporting without establishing contact with me first. This negatively impacted my XXXX  score dropping it by XXXX points. I was unable to secure a loan due to my lower XXXX  score. C.TECH was unable to provide proof that they attempted to contact me. They had no evidence by mail or recorded phone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
On XX/XX/2020, I met with my financial coach and she informed me that my balance was different from what the credit reporting agency notated. She explained that the credit bureaus can take up to 30-60 days to update the information. I called the bureaus to update the  balance and have not gotten a response from the credit bureau. This is my second dispute against Transunion.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: Valon Technologies, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX payment made within grace period. Due to an error on my part I wrote the correct amount on my check when i wrote in the numerical amount in the box on the check.. However when I wrote the amount out in the text field, I neglected to put XXXX  cents after the full dollar amount. 
I was unware of this error until I received a phone call saying I was delinquent on XXXX  Delinquent for XXXX cents? Wouldn't it make sense to take that amount from my escrow account that had thousands of dollars in it? But instead Valon chose to show me delinquent. Again, I received this call on XX/XX/XXXX. It was recorded and the gentlemen I spoke with assured me that I would not be charged an over {$50.00} late fee. 

I sold this property and escrow closed on the XXXX XXXX XXXX When I received the final closing statement, much to my surprise it showed that a {$52.00} late charge was included in the payoff amount. 
As an XXXX XXXX XXXX XXXX  who made a simple mistake I am sure that Valon can not justify a {$52.00} late charge over a XXXX  cent payment shortage. And of course, the call recording will show that the agent I spoke with agreed that a late charge would not be assessed. 

For clarity, my account will show a {$13000.00} payment on XXXX That amount was held in suspense until I paid {$10.00} with the agent on the phone on XX/XX/XXXX. Seemed silly to make an ACH payment for XXXX cents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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: Problem with personal statement of dispute

Complaint:
Hello my Complaint is the Bank involved XXXX XXXX mainly i Lost my Job a long while ago when i had the account and i Stupidly overdrafted some and ended up owing XXXX XXXX  XXXX XXXX because my account was overdrafted for a long time and i had no income the amount was acctually higher until my state income tax return came and my amount owed was reduced for XXXX XXXX and my Problem is me owing them XXXX XXXX  has my ability to Open A bank with Some/many/or All banks is now either hard or next to impossible thanks to me owing XXXX XXXX XXXX XXXX XXXX XXXX and possibly my XXXX account is mixed up in it as well closing out owing them XXXX dollars because i was using Privacy the virtual card service and forgot privacy charges take a long time to go through and what i probably did with XXXX is spend the money before paying XXXX but i dont know if its on the same report so i recently applied to some banks and was rejected by both XXXX XXXX XXXX and XXXX XXXX and this XXXX XXXX a Small amount mind you which im happy to pay is ruining my chances of opening any account and prepaid/debit card accounts charge annoying fees on anything id rather have a bank and im pretty sure if i apply to most banks i will get denied i would totally understand if i Owed thousands of dollars but its XXXX XXXX  if XXXX  is actually in the report i owe probably XXXX together this is crazy and i lost the letter ally gave me stating this but when i applied to XXXX XXXX for an account they sent me this letter saying my XXXX XXXX XXXX is high risk

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 2022-11-15
Company: EQUIFAX, INC.
State: NV
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:
A few months back I tried applying for a home through a FHA program and was denied. I pulled my consumer report and noticed I had inquires that were not authorized by me or from me. The inquires are as follows ... Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ). I tried disputing with Equifax and was told to contact the creditor. I got no results from the creditor and tried having Equifax reinvestigate my dispute and they told me to file a CFPB report and or police report and a FTC report and send it in. It is XX/XX/XXXX and ive yet to receive the satisfaction of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank of America refuses to refund me for XXXX ( Authorized push payment fraud ). They said they are not responsible for the authorized wire from XXXX XXXX which turned out to be fraud/scam on XX/XX/XXXX. I lost $ XXXX and I am not alone, there are at least 10 others I know of. The wire recipient bank ( XXXX XXXX ) won't share any information with me either because I don't have account with them. XXXX XXXX has said they will comply with authorities and that they need a court order or subpoena to share information. Obviously XXXX XXXX XXXX  XXXX methods didn't work if they allowed a scammer to open accounts and use it for money laundering. 

On XX/XX/XXXX, I wired XXXX XXXX from bank of america to XXXX Trading for investment of the XXXX XXXX XXXX XXXX. I saw earnings and sent another XXXX XXXX  in XX/XX/XXXX ; Saw earnings of $ XXXX until XX/XX/XXXX when I could not login to XXXX nor call because phones disconnected and emails returned. I could not contact anyone at the XXXX XXXX XXXX nor XXXX Trading ; I immediately told my bank regarding the wire fraud/scam and they did recall the wire from XXXX XXXX bank XXXX XXXX XXXX bank is the recipient bank ; I asked bank of america for my money bank due to the Authorized Push Payment Fraud ; They said from the beginning that money back/refund is NOT a guarantee because time has passed between XXXX to XX/XX/XXXX. I had access to XXXX account from XXXX to XXXX that's why I didn't complain. XXXX XXXX just dissappeared and took all investors money with 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 2023-05-02
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: GA
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. 
XXXXXXXX XXXX XXXX  : ACCOUNT NUMBERXXXX, XXXXXXXX XXXX XXXX : ACCOUNT NUMBER.XXXX, XXXXXXXX XXXX XXXX  ACCOUNT NUMBER. XXXX, XXXX XXXX BANKRUPTCY DISMISSED, 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. SECTION ( 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 SHILL NOT FURNIST ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Hello, my name is XXXX XXXX and I have new and updated information on Transunion. 
I recently submitted a complaint through the CFPB regarding my right to receive correspondences electronically through the CFPB. Trasnunion responded with allowing up to 60 days to review. I am aware that within exercising my rights to dispute any inaccurate information on my consumer report I am entitled to 30 day dispute process from Transunion and that 30 days can only exceed 15 days out if I provide Transunion an updated information regarding the dispute. 

I am also aware that if I exercise my to right to receive the details of the investigation that those details must provided within 15 days of the date requested.

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 2018-11-01
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: Information belongs to someone else

Complaint:
My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX Courts in the XXXX  district of Ohio.

I sent a letter to the XXXX XXXX court in XXXX   Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter. The courts sent me a let
ter back stating they do not report and DID NOT report this information to the credit bureaus. 

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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 a victim of Identity Theft. On XX/XX/XXXX I was made aware that there were several accounts opened in my name fraudulently. XXXX XXXX for the amount of {XXXX} which according to Experian was opened on XX/XX/XXXX. Also, XXXX in the amount of {XXXX} which was opened on XX/XX/XXXX. These accounts are a direct result of Identity Theft from where my information was breached in both XXXX data breaches. I DID NOT OPEN THESE ACCOUNTS. I contacted the XXXX police department and filed an official police report. I also filed a report with the FTC. I disputed this information on my consumer credit report with Experian on XX/XX/XXXX and included all documents, police report, FTC report, blocking letter as well as identifying information such as my Social security card and drivers license. Experian specialists have ignored all documents provided and failed to block this information from my consumer report. The message stated on my dispute results are " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. However this account is listed and is reporting negatively which is hurting my credit and causing financial hardship. Experian is in direct violation of my rights under the fairs credit act 605b.

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 2023-05-02
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DRS also know as Debt Recovery Solutions has placed a collections account on my credit report in violation of the FDCPA and FCRA. I have never been contacted by this company in any way. I have never received any mail from this company. They are reporting this as a new account opened XX/XX/2022 in the amount of {$1100.00}. They are claiming to represent XXXX XXXX. The debt with XXXX XXXX is a result of identity theft which documentation was provided. 

DRS is falsifying dates in order for it to appear to be a different account from the original account that was reported as identity theft. 

I have no relationship with DRS. I have not authorized them to use my personal information nor do I have any contract with them.

Company response to consumer: Closed with explanation