BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: LA
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 called this company about fraudulent items on my credit file. I spoke with the Office of Consumer Affairs and they told me to mail a completed valid FTC and a copy of my identification and social security card along with a cover letter telling them my request. I did that and verified my documents were valid and they did not block these accounts within 4 business days per the FCRA laws. They opened up a dispute for me which did not handle my issues these are identity theft accounts. This isnt the first time this company has done this I have heard other people say the same thing so maybe a class action lawsuit needs to be brought upon them especially since so many people was impacted by their breach. I also have attached a copy to this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
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:
My name isXXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-02-13
Company: EQUIFAX, INC.
State: ND
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: Problem with personal statement of dispute

Complaint:
I am a victim of Identity Theft and I have an extended fraud alert. On XX/XX/2019. I received an alert from XXXX XXXX that XXXX had ran a hard inquiry on me. I was informed by XXXX XXXX if I did not request this inquiry to contact XXXX at XXXX. I immedity contact them to informed them that this was not a valid inquiry. The first rep I spoke to informed me that there was no application in my name and to contact them in 5 days. I did not wait the next day I called and explain everything and again I was told that there was no application in my name. Two days later my mother received a letter at her address in my little brother XXXX XXXX name from XXXX about an application. I called XXXX and the representive that I spoke to asked me for my brother name and I gived it to her, what she was able to tell me was because my little brother did not have any credit when they try to pull the report they just looked for anything that sounded similar or look similar. She informed me that they were going to delete this inquiry and cancel the application. I than contact Equifax and placed a credit freeze and file a dispute. Today is XX/XX/2019 and the last time I spoke with XXXX was XX/XX/2019. They informed me that they would sent me a letter letting me know that the account inquiry would be deleted. This was not the letter the sent instead they sent a letter saying they would update my XXXX Credit card. I do not have an account with XXXX and have never applied for any account with this company. I have summit several dispute through the credit burea and XXXX keeps saying that the inquiry is valid. Since XX/XX/2019 I have called this company and informed them this was not me and yet this have refuse to remove themself from my credit report. I DO NOT HAVE A XXXX CREDIT CARD AND DO NOT PLAN ON APPLYING FOR ANY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: MI
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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Experian yesterday to discuss this issue - as to why my FICO Score dropped so dramatically. XXXX stated that he would annotate my account with my concerns. I noted to him that I have nothing derogatory or late payments. I further noted that it is probably due to few accounts. However, I find that to be problematic. I am submitting this to you on my behalf. I also believe that this should be shared among the 4 Credit Reporting Agencies. Experian, XXXX, XXXX  and XXXX. I have attached the score report and my dispute that I have drafted.

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 2023-01-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: SOUTHSTATE CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a second mortgage home equity line of credit with SouthState Bank. My first mortgage loan was foreclosed. I was never materially delinquent with South State. When SouthState got notice of the foreclosure hearing they accelerated my loan, still not delinquent. The loan balance was an amount that could easily have been converted to an unsecured loan, but they wouldn't consider it. SouthState charged off my loan. This activity is from XXXX through early XXXX. In early XXXX SouthState 's recovery department called me and we worked out an arrangement. I paid a third of the loan balance ( {$54000.00} ) in an {$18000.00} lump sum, I'm paying a third in installments, and once I finish paying {$18000.00} in installments SouthState is under contract to cancel the last third. Even though I am timely paying the required installments, SouthState reports me as very past due on the loan. I don't see how they can report me past due when I was never seriously delinquent on the original loan, they got nervous and accelerated the loan when I was willing to keep on making regular payments, and I am fully performing the terms of the arrangement with the charge off department. I don't see how they can even call the loan part of their regular reporting portfolio when it's been charged odff. NOTE : this complaint is actually two complains. The original loan was joint credit with my husband, and SouthState reports him delinquent too.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: R & B Corporation of Virginia
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for new service with XXXX XXXX. I had to call and cancel installation twice due to a family and work emergency. I contacted them both times and they said no problem at all and rescheduled a third installation appointment which was successful. I started receiving bills in the mail charging me for services that I had not received from months prior because my service had not yet been hooked up. I talked to XXXX 4-5 times totaling probably 9 hours on the phone, everyone I talked to could see I had never had my services hooked up and they acknowledged the charges were in error. They filed a dispute on my behalf and stated it should be an easy fix. I continued to get a new larger bill each month as the issue was not resolved. They decided it would be best to close that account and start up a new account which I still have today. They said it would be easier for them to fix if the account was closed, this turned out not to be true. today I received a letter in the mail from a collections agency trying to collect the debt. I am appalled that they sent this to collections. I have spoken to probably 20 different people in customer service, their offline team, and the collections department who took one look at the bill and acknowledged I should not have to pay it as I never had the services hooked up. I never received any documentation or communication from XXXX stating my dispute was ever filed or that it was denied. They just sent me straight to collections. Once again I never received the services they are charging me for, they have records showing I never even had a technician install the equipment for this account. Please help me resolve this. 

The collections agency they sent the account to is : Credit Control Corporation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-11-16
Company: Affirm Holdings, Inc
State: SC
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:
According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT law and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: MD
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:
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 companies used my information without my consent, I did not give any of these companies permission to run 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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I haven't sent XXXX or more letters certified to all 3 bureaus about inaccurate information on my report that is severely impacting me with getting a home. I have requested validation and nobody has responded this is a FCRA VIOLATION and I want these inaccurate items of my report. 

XXXX Acct # XXXX - I have spoke to XXXX and removed my late payments I should have XXXX late payments on my credit report. It is still showing late payments for XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX  Acct # XXXX - I DO NOT HAVE ANY AGREEMENT WITH THIS COMPANY AND ARE REPORTING INACCURATE INFO ON MY REPORT. THEY WILL NOT RESOND TO ME - FCRA VIOLATION. 

I would like these items to be deleted asap off my report. I've attached screenshots for your reference, 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
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX XXXXXXXXXXXX Balance : 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 2021-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Filed a dispute regarding incorrect balance and payment history with reporting agencies equifax and XXXX. XXXX responded via email with an obviously stock robo answer that information was indeed correct and that it takes 30 to 60 days for the reporting agencies to update information. They are the only creditor that I have where this seems to be the case. I resubmitted an additional dispute and received the same response. I then filed a complaint on this website after seeing my score drop 18 points. Upon further investigation it appears now that rather than correct the information they have reported to the credit reporting agencies my account is now reported as being closed. Which it is not. It sure didn't take 30 to 60 days to report my account as closed. Seems a bit retaliatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have reviewed my credit report and reached out to each credit bureau ( Trans Union ) ( XXXX ) to be provided no assistance with my issue. I do not and continue not to recognize inquiries on my credit report as I previously explained to the representatives on at least 8 occasions.

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 2023-11-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX XXXX : I received an email sent by an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, asked me to clarify some of the details listed on my original application, " if you have any affiliation with a XXXX XXXX ''. 
I responded " No '' because I don't know this person or any connection with that person On XX/XX/ : I received a further inquires from above XXXX, asked me my funding source, " please clarify in detail why would funds originate from the XXXX if you live and work in XXXX '' I responded that the money is from my other bank accounts with XXXX XXXX XXXX XXXX XXXX XXXX salary Wired from XXXX. 

On XXXX XXXX XXXX, I contacted HSBC XXXX XXXX XXXX XXXX via phone, the customer services told me they will call me back, but no callback or email response. 
On XXXX XXXX XXXX, I found all my accounts are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: WA
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: Problem with personal statement of dispute

Complaint:
I have contacted Experian ( three different times XX/XX/XXXX ( dispute # XXXX, XX/XX/XXXX ( dispute # XXXX and XX/XX/XXXX ( dispute # XXXX ) ) about three accounts but for now this is about two of the three accounts ( XXXX XXXX XXXX XXXX XXXX that I was disputing and requesting " proof of validation and method of verification '' of both debts. After every dispute, I was informed that the account as " Verified to be accurate. '' On XX/XX/XXXX, I contacted Experian and spoke with XXXX and requested to have both accounts removed because despite three written requests, the unverified items still remain on my credit report and my credit scores kept dropping because of this. Ms. XXXX disconnected the call. I called Experian back again ( on XX/XX/XXXX ) and I spoke with XXXX XXXX she spelled her name for me ), I told her the exact same thing, and she told me that " Experian do not remove accounts and that it was my responsibility to get these two accounts verified. '' I ask XXXX " So, you are telling me that Experian will not remove any accounts that are not verifiable? '' She said that the accounts were verified, I then ask her, " Who verified these accounts? '' She said XXXX XXXX XXXX XXXX did, I ask if I could get the proof and she said, that Experian do not have the proof to share with me. I asked XXXX if I could speak with a supervisor and at first she told me that I could after she read me what she said was the LAW. During her reading she said that CDIA new LAWS states that " The 3 Major Credit Bureaus no longer will removed any unverified accounts from the consumer 's ' credit report! '' After listening, I once again asked to speak with a supervisor and she said that there was no one available to speak with. 
I have repeatedly ask for evidence to support their reporting, but yet again, Experian failed to provide me with " ANY VIABLE EVIDENCE SUBMITTED BY XXXX XXXX XXXX XXXX SUBSTANTIATING THEIR CLAIMS. '' I have also requested Experian 's method of verification, and Experian have not complied, which is an additional violation of the FAIR CREDIT REPORTING ACT 611 ( a ) ( 7 ). Experian did NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I do not understand why that I can not get these two UNVERIFIED ACCOUNTS ( that is lowering my credit score monthly ) removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation