BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHowever , they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Company: Phoenix Financial Services LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Several calls have been made for a few months asking for a person who I do not know. The first call I stated the wrong number had been dialed. Since then several more calls have come through almost a week to 2 weeks apart. I have stated DO not call this number again as that person is not at this number. 2 of the calls the reps where argumentative and hung up on me stating they would not call again and my number had been removed. I expressed it was illegal. Today XX/XX/18 another call came in. I asked the same of the rep to remove this number and then I called back to speak with a supervisor. I asked that the calls that where pre-recorded for my number be reviewed. This is ridicules. This company is not following the law and are harassing me and I am not even a customer so I can imagine if I was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2023, I called XXXX XXXX XXXX XXXX  to learn about an account that appeared on my report. I never received any correspondence from this company in order to exercise my right of validation. The company acknowledged not having any information as it pertained to this account and would not provide such in writing. I disputed the account with the bureau and it came back that the company " certified the information on record to be true and correct ''. I have also asked for the same in writing to no avail. I went in to verify the license of this company. It should also be noted at the time this company listed this account, their license was not active, it was reinstated about 11 months after which.

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 2018-09-10
Company: Navient Solutions, LLC.
State: MI
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 have multiple student loans from medical school that are serviced by Navient. Two federal student loans ( in one billing group with one due date ) and three private students loans ( in a second billing group with a different due date ). Despite the fact that I send my two payments automatically from my bank ahead of the due dates each month, Navient continues to misapply my payments between the two groups and subsequently hassles me with phone calls and emails saying that my accounts are past due. This has happened REPEATEDLY over the past few years. I just got off the phone with Navient AGAIN after discovering that they had incorrectly applied myXX/XX/2018 and XX/XX/2018 Federal Loan payments AND my XX/XX/2018 private loan payments! The only way Navient will guarantee the correct allocation of my payments is if I consent to direct debit from my personal checking account each month. I am reluctant to do this due to experiencing identity theft in the past and breaches of my personal data ( including my social security number ) by other large financial institutions. I have verified the correct payment addresses, due dates, account and billing group numbers, and amounts for all of my student loans. My bank sends the checks and they arrive before the due date automatically each month. Navient should be able to correctly apply my payments. I am doing my part as a consumer. They are NOT doing their part as my lender. I have had several Navient customer service representatives tell me that this is a frequent problem for their customers. NOTE : because I have accepted electronic correspondence from Navient, I no longer receive paper statements. Most of their communication regarding the erroneous past due payments is via voice mail and email. These communications do not specify the reason for the call, they simply instruct me to call Navient. Therefore, I do not have any helpful documentation I can upload. I have pages and pages of handwritten, personal notes that I could transcribe if helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: AL
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 submitted an affidavit and dispute forms, I have been ACCUSED of using a credit repair company. I am already battling with these INACCURATE items that were put on my credit report. These accounts were clearly opened while i was XXXX. There was a security breach. I demand these fraudulent accounts be removed from my credit report within 30 days. I expect a response about my claim in 10 days. If I dont have a response in 10 days, i will be filing a complaint with The office of the Attorney General.

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 2023-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2023 I went to XXXX XXXX XXXX XXXX to purchase a car. I came in with a pre-approval. 

They used high pressure tactics to coerce my into signing an application for their own in-house financing. They told me that was the standard and I could not apply for financing without doing their own in-house loan application paperwork even though I told them I wanted the loan I had pre-approved and printed out in-hand. 

I told them I only wanted XXXX inquiry on my credit record and they promised me that there would only be a single hard inquiry. 

As it turns out they were being dishonest and were indeed just coercing me into applying for their in-house product and not the XXXX XXXX loan I had pre-approved. 

They were unable to beat the rate I had pre-approved from XXXX XXXX via their in-house financing and so they took it upon themselves to shop around. This resulted in XXXX additional hard inquiries on my credit report. There are inquiries from companies we never even discussed or talked about that day such as Wells Fargo Auto finance ( we never discussed ) or XXXX  XXXX XXXX XXXX also never discussed ). 

I now have multiple hard inquiries on my report which I did not authorize. 

The only other company we discussed was XXXX and they told me that was because XXXX XXXX was unreliable and didn't pay the money they were due so it was better to use 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 2020-04-06
Company: EQUIFAX, INC.
State: MD
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:
THE XXXX XXXX XXXX, XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
THE XXXX XXXX XXXX, XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2022-05-04
Company: EQUIFAX, INC.
State: MD
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. Child support # XXXX 15 U.S.C 1681 Section 602a states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
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: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX, and XXXX were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 collection for an account that isnt mine. This account said it was open this year and from a consumer I dont even use. I have XXXX XXXX XXXX service since XXXX and this collection is for a XXXX account opened in XXXX. 

I have took action to report to the company but nothing has been resolved yet and over the phone they even said I dont see an account in the system for me. 

Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00}

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 2021-03-02
Company: FISERV INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been communicating with XXXX XXXX about a Line of Credit that I used to have with the bank. That Line of credit is now charged off. On XX/XX/XXXX of 2021 I called their customer service with the attempt to Settle this account. The customer service representative from XXXX XXXX told me they don't settle debts but that I can call their collection company called TRS. She provided this information but at the same time couldn't provide me a phone number or address to such business. 

I then contacted TRS via telephone that same afternoon of the XXXX and spoke to XXXX XXXX. She did confirm the debt and the amount owed. I asked them how come they never tried to contact me in regards to this debt and she claimed the company did however I have never received any correspondence from them. 

XXXX also told me of a settlement offer on the account in the amount of {$1100.00}. Original amount owed is {$1500.00}. She stated they were to send a letter that same day with the settlement and that I can pay over the phone. I went ahead and made the payment to settle the account over the phone with her using my debit card. 

On Wednesday the XXXX of XXXX I then contacted TRS again just to make sure that the settlement had been reported to XXXX and this is where the problem started. At first, they kept hanging up on me and telling me there is no settlement on this account. Other representative would take my name and phone number with the promise of having a supervisor by the name of XXXX XXXX call me back. No call has been received. 

I also have contacted XXXX XXXX branches just to make sure this wasn't a scam and at first the branches had no idea who TRS is and how they are related to them. I had to then escalate at a branch in XXXX, NC and a manager finally was able to dig some information and told me TRS does handle their collection accounts but no settlement can be offered. 

I feel like I was deceived by both XXXX XXXX and TRS into believing that I was settling this debt when I am really now. Also, the " connection '' or " relationship '' between XXXX XXXX and TRS needs to be more clear to its customers. It is deceiving and confusing, even to its employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
There were unauthorized and unknown inquiries.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have an unauthorized inquiry from XXXX XXXX  on my Trans Union report. Trans Union was notified of this and has not taken any steps to correct the issue. I've attempted to contact XXXX XXXX but they directed me back to Trans Union.

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 2021-03-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Information and inaccurate reports are being filed and hindering us from doing business. The tortious interference of these companies and their failure to abide by the law in the proper correction, removal, verification, reporting, and/or removal of the information or providing in writing the verification information as requested and lawfully required has caused gross personal/private economic damage and loss.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: TN
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:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :

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 2021-08-20
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I received an email from Convergent Outsourcing, INC stating that they were attempting to collect an alleged debt. I responded to these alleged allegations via communication by a written letter on XX/XX/XXXX explaining that the alleged debt does not belong to me. Convergent Outsourcing, Inc, responded back on XX/XX/XXXX with a typed up letter from XXXX XXXX dated XX/XX/XXXX with an alleged balance. To begin I have never done business with Convergent Outsourcing , Inc nor am I aware of this alleged debt that does not contain my wet signature stating that I agree to these alleged debts. Further more, Convergent Outsourcing have violated many of my consumer rights after I strictly advised them to no longer contact me unless they were contacting me with remedy. Without my consent Convergent Outsourcing , Inc has reported this alleged debt to my consumer report without my consent. Included is the communication that I sent to Convergent Outsourcing, Inc

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 2023-12-05
Company: EQUIFAX, INC.
State: IL
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, IL 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 XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
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:
XXXX XXXX XXXX is listed as a collection on my credit report. I do not own this account.

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 2023-04-21
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 following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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 an 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 2023-02-28
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 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