BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
hey i asked the trans union to do in in investigation of account XXXX XXXX XXXX that had a lot in inaccurate information and XXXX XXXX  XXXX XXXX  i do not recognize as mine iv never paid for phone plan of phone. that if any information was inaccuracy to delete from my report .instead they made update and that was not my request so im writing to you In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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.

any actual damage sustained by comsumer as a result of failure or damages of not less then 100 not more than 1,000 : I want 1,000 per violation & removal of account from my profile.

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 2021-06-05
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was conned into paying {$500.00} to process a " loan pre-approval letter '' which was also being prepared at a very ridiculously high rate. The agent did not tell warn me of any upfront fees to process the said letter. 
I was advised to send some of my personal documents and complete some disclosure documents online and it was in these documents a payment authorization was hidden which the officer said to complete being part of the process. He sent me a notice which basically says the letter is still being processed. On detecting their scam, I immediately reached out and asked the process be stopped, canceled, and demanded my money be refunded to my account. The agent in question repeatedly ignored my emails and calls and even had the audacity to send an email asking me to send more personal documents to continue to facilitate and complete the process. I again re-iterated my wishes which he ignored. I disputed the charges with my bank but in the interim will warn others to be wary while dealing with this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-13
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:
On XX/XX/XXXX I sent a XXXX letter to Experian ( XXXX ) asking that they remove certain inquiries off my credit file, that did not belong to me. 
As well, any addresses other than XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL. XXXX. 
Subsequently thereafter, I was notified through Experians ( www.experian.com ) credit monitoring system as well Experian id works ( XXXX ) on Wednesday XX/XX/XXXX about a potentially negative item on my credit bureau which was XXXX XXXX XXXX. 
I personally reached out to XXXX XXXX XXXX and confirmed with them that this was an error. 
They themselves, were not sure why Experian was reporting this information on my credit file because the social security was not mine XXXX, neither did the address match. The only thing matching was the name, they stated they asked Experian to remove it immediately. 
A few days later I discovered that monthly subscription of a free credit report with ( www.Experian.com ) was not  working as well the same with ( XXXX ) both services were giving error messages for not being allowed to pull my credit bureau. 
Experian id works filed a trouble ticket on my behalf with Experian directly because Experian has me on a write in status only. ( Completely abusive tactic on Experians part for people who ask them to respectively do their job correctly, they will ban you from calling ) For an over entire month, Experians technical team gave their own colleagues the run around and continually stating they were addressing the error messages and finally this week, Experian told their affiliate to tell me, the party has to put his request in writing almost two months later. Completely and Utterly Unbelievably Abusive That same day my credit file miraculously came back online with both www.Experian.com and www.Experianidworks.com however this credit file was not mine and had been crossed with another social security numbered credit file other than mine, an entirely different credit file that had nothing to do with me. 
My credit file XXXX was completely fine with the exceptional of XXXX XXXX XXXX and XXXX being reported prior to XX/XX/XXXX. 

I faxed Experian 35 pages on XX/XX/XXXX to XXXX explaining the serious and urgent nature of this matter which included a bank statement for address proof, a copy of my social security card and a copy of my government issued passport, along with the credit report and all its inaccuracies, which was successfully transmitted. 
I also overnited the same documents to Experian Consumer Affairs XXXX XXXX XXXX XXXX TX XXXX tracking number XXXX XXXX XXXX Again Experian has caused and is continually causing me some irreversible damage, because of someone's poor performance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2023 XXXX XXXX  XXXX XXXX I called the creditors and spoke with a representative and was told there is no information on file for me. All the creditors listed below also said they were going to send a request to the bureau 's for remove. They asked for my name and email but never heard anything from them. 
XXXX _________________ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ALLEY FINANCE 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 2022-02-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2019-06-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX represenative XXXX XXXX called my employed told them details about my debt, told my employer i would be served with a court summons, threatened to notify my Human resources deptartment about debt and that i would be served papers for " Theft '' and this was even before i spoke to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TransferWise Ltd
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I transferred {$3000.00} to WISE to convert it in EUR for our coming vacation to XXXX, from XX/XX/XXXX to XX/XX/XXXX my bank already paid them and WISE is showing we have slight delay in our side, but the money should be on its way to us soon we are desperate for our money, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express currently has a JUDGEMENT against me, but my question ( or complaint ) is that the credit information XXXX social security number, income, employment info, etc ) used to obtain the credit card was my husband 's and NOT mine. As a FULL-TIME CAREGIVER who had not worked outside the home for decades at that point in time, I was happy with my " pay in full '' every month basic Green Card that I'd had for over 20 years when the high pressure American Express sales agent called giving us the sales pitch, catching my husband 's ear with the promises of low interest and free balance transfers. I told them I would NOT qualify as I had NO INCOME and had not had any for since XXXX. They asked how we paid our bills and my husband said " obviously on my income '' and they proceeded to take HIS INFORMATION. But rather than giving HIM a card they upgraded MY CARD including doing BALANCE TRANSFERS from his other credit cards to my card, with an open credit line of {$25000.00} ( for a person with XXXX personal income ). My husband did pay this account for on time for years, but when the recession hit and he lost his business in XXXX I was the one stuck with a debt I HAD TOLD AMERICAN EXPRESS I COULD NOT QUALIFY FOR OR AFFORD right from the get-go. Flash Forward to today : My husband and I are separated ( yes, the debt was the straw that broke the camels back ), and he nor I had the means to pay this account, and American Express would not grant any payment plan options at all, and instead took me ( and me alone ) to Court in XX/XX/XXXX winning a JUDGEMENT against ME. I am now working a part time job earning just a bit above minimum wage, XXXX XXXX XXXX and am struggling to get by, and with the JUDGEMENT also living in fear. Again, this account was given based on my husband 's income, credit, and social security, nothing to do with me, but the debt is mine -- -all mine? My question is -- -is this, was this, LEGAL?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The person said they are with American Express and said that I will need to pay my past due amount and that AMEX will sue me if I do not. He said he would help me pay the balance. He also said my CC number but was off by XXXX number which is scary in itself. 

I told him I would go online and pay it now at americanexpress.com. I think I threw him off by saying that ha. 

If I ever get a call or email about this I always go online to my current login or call customer service myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: TN
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. 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 2018-11-12
Company: Harvard Collections, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX is really violating my rights I previously disputed this company and they are keep selling the debt to different collection agencies. How can we as consumers protect ourselves from these companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX made an unauthorized credit inquiry on XX/XX/XXXX that is being reported on my Transunion credit report. I did not apply for credit with XXXX XXXX or otherwise authorize the enquiry. 
I have written to XXXX XXXX multiple times. They have acknowledged that the enquiry was not authorized and told me that they have contacted Transunion to have the enquiry removed, but the enquiry is still being reported by Transunion on my credit report as of XX/XX/XXXX. 
The unauthorized enquiry has caused and is causing me harm by lowering my credit score and increasing my costs for credit.

Company response to consumer: In progress
Consumer complaint received 2023-10-30
Company: EQUIFAX, 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 XX/XX/2021.

Company response to consumer: In progress
Consumer complaint received 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Capital One sent the standard payment information to pay down outstanding debt. 
The statement showed the amount of {$580.00} due on XX/XX/2023, I sent the payment of {$40.00} through my banking institution on the XXXX first, but the amount would not be forwarded until the XXXX of the same month. 
I received from the county clerk/recorder that a lien was placed on my residence on the XXXX of the month, which was prior to the due date of payment. 
I contacted the debt collection lawyer either the XXXX or XXXX of XXXX to find out more information, which I was disconnected after XXXX. 
On XX/XX/XXXX I contacted Capital One to find out more information, after XXXX minutes I was again disconnected from the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: AL
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:
Went to car lot they said they would run my credit with one bank they ran it with alot of banks 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Eos CCA is trying to collect a debt i do not owe. it is negatively afffecting my credit scores and is preventing me from renting a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
XXXX/EQUIFAX reports inaccurate and false information here are the following : XXXX XXXX XXXX XXXX ACCOUNTS : LAST REPORTED XXXX XXXX AMOUNT OF {$720.00} XXXX AMOUNT OF {$2600.00} XXXX XXXX XXXX  XX/XX/XXXX ACCOUNT # XXXX U.S DEPT OF EDU ACCOUNT # XXXX XXXX {$2100.00} XXXX {$4200.00} US DOE ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed XXXX closed my card without notice even while paying my debt down. XX/XX/2018 XX/XX/2018

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 2018-08-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Current Mortgage XXXX per month to XXXX. Before my XXXX I had no problems with this payment- I can not believe my reduction in over half my income and only XXXX was reduced for the month. When I told my representative that this reduction amount would not help me. I was simply told I could decline it. Later, I started to receive them about my notices about selling my home and foreclosure. I want to keep my home.. I need an affordable modification amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Navient Solutions, LLC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened an account with Navient in XXXX and continued a relationship with them until XXXX. During this time, I made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, and another in XXXX. Since then, until the closing of the account I continued to make timely payments. Although this account has since been closed, it is causing me extreme hardship. I am hoping that Navient can submit a XXXX XXXX  form ( AUD ) to the credit reporting agencies requesting that they remove the late payments. I really enjoyed doing business with Navient and a quick look over my account will show that I was mostly always on time, and everything was paid. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Navient. Thank you for your time.

Company response to consumer: Closed with explanation