BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from XXXX XXXX on XX/XX/2019. I do not remember giving authorization to this lender for this hard inquiry.

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 2020-08-13
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2020 I mailed dispute letters to XXXX, XXXX, and Equifax requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Regional Management Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX, my parents were contacted by XXXX XXXX XXXX stating that they needed to get in touch with me to avoid charges being filed against me for a debt. When my mother asked how they got her number, they hung up on her. This was an obvious skip trace they had done on my parents who have never signed any loan for me nor should they have discussed this with her. 

I was also contacted by XXXX XXXX XXXX the same day so I called them back after receiving a call from my mother. I was told it was about a debt they claim I owe to XXXX XXXX from XXXX. I told them repeatedly that I never signed anything with a company by the name. They threatened to charge me with criminal charges of attempt to defraud a financial institution and said I would be picked up that next Monday morning. I was told I owed {$560.00}. I will admit they had me scared, and I know I shouldn't have paid without looking up the statutes. I now know that a debt buyer can not collect on loans more than 3 years old in my state of NC. At the time, I offered to settle for {$200.00} and they refused. So I paid them {$150.00} that day. They had all of my information, including my current address and social. 

Today ( XX/XX/XXXX ) my bank called from the fraud department as they ( XXXX XXXX XXXX ) tried to process a payment for {$410.00} which is the remainder of the debt they claim I owe. This transaction was in NO WAY authorized. As I know they are outside of the bounds of what they are allowed to collect from me, I want them to cease contacting me or anyone in my family about this debt. I also believe I should be refunded the {$150.00} they originally collected as they were not within the law to do so. 

The phone number they called me from is XXXX and the number on the fraudulent debit card purchase is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
RE : DEFAMATION OF CHARACTER To Whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your organization which I came to know about on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined which is essential to the continued functioning of the banking system pursuant to 1

5 USC 1681 ( a ) ( 1 ) According to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Therefore, I hereby put your company on notice and let you know that neither did I authorize you nor gave you consent to provide this report on my behalf. I also want you to know that your company has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. My means of securing the necessities of life has suffered as a result.

Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

Your organization neither exercised it's responsibilities with fairness and impartiality nor protected my right to privacy Nothing in the law mandates that information on a consumer or anything be reported to a consumer reporting agency. You are therefore liable I request that you provide me information on the system your organization used to establish whether the transaction occurred or not in relation to the report your organization furnished.

Your organization did not adopt such procedures that meet the need of commerce for consumer credit pursuant to 15 USC 1681 ( a ) ( b ). I hereby demand that you remove the following from my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FAILURE TO ACCEPT MY REQUESTS WILL ESCALATE THIS MATTER TO FEDERAL COURT Thank you for your cooperation. 
Sincerely, 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 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2016, a court order was issued vacating a XXXX XXXX   judgment, I contacted Trans Union and forwarded them a copy of the court order, they were contacted three times about this matter, they fail to remove the negative information from my report, because of that my credit standing was affected with other lenders causing a financial meltdown, the information is still listed on my credit report, please be advice that when a court vacates a judgment, it is as if the judgment never existed, therefore all information related to this matter must be completely removed from my credit report, a vacated judgment should never remain on anyone report, I believe my rights has been violated.

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 2023-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am disputing my personal information as it is reporting incorrectly on my credit report. I have attached documents needed to verify who I am. I have also attached a shot of my personal info on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Telsa Motors 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from XXXX XXXX on XX/XX/2019. I do not remember giving authorization to this lender for this hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: General Motors Financial Company, Inc.
State: MI
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on GM FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018 I submitted a complaint against Barclays Bank Delaware for not reporting 5 months of payments to the credit reporting agencies. I received a letter from the office of the president which basically said they have received my payments but did not explain why they were not reporting my payments. I have once again obtained a copy of my credit report and I have made two more payments to Barclays without any account update to the 3 credit bureaus. I called on XX/XX/18 and was disconnected from someone in the collection office. Then when I had called back 5 minuets later the office was magically closed. Barclays is violating my rights as a consumer and improperly reporting payments.

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 2023-09-15
Company: EQUIFAX, INC.
State: NY
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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2020 I mailed dispute letters to XXXX, Transunion, and XXXX requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.

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 2018-11-10
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The letters sent went to addresses that I no longer lived at. Both of these addresses had permanent forwarding addresses. 

This leads me to believe that these letters were never sent. I did not get proper notice before these loans went into default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didn't receive anything and was not properly contacted to be able to dispute these charges. It just showed up in my collection and I am not sure if this is mine and the amount is very high. I don't know this. This account I can't recall must be old.

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 2021-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and needs to update this late account from my reporting : XXXX XXXXXXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had this mortgage since XXXX and we have always had an escrow account to pay our taxes and insurance. The mortgagor did not pay the homeowners insurance again. Stating that they did not receive a bill from XXXX. Well according to XXXX they had the address that they have always had which is an address in XXXX XXXX, SD not XXXX, WY. SO when I contacted the mortgage company they told me that it was my fault that they did not receive the insurance bill to pay it. That it was in our mortgage contract that it is our responsibility to make sure that they receive the bill. Now keeping that in mind we have had the same homeowners insurance much longer than we have had this mortgage company. So if they received the bill the last 3 years and paid it ; they should have received the bill this year and paid it. Also the mortgage company says it has 30 days after the due date to ay the bill. That is the biggest lie I have ever heard. That is not the case and XXXX confirmed that. I do not appreciate paying a mortgage company for escrow when they refuse to take responsibility for paying the homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: NV
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:
Disputed 4 accounts that shows open with balances that have been paid now more than 60 days. The dispute came back as information is correct and will remain. It can not be correct if it is paid in full. I contacted all 4 accounts and they confirmed that I have no balance. How can Experian report that they checked? These are not on XXXX   or XXXX XXXX but Experian is not fixing it and it is impacting my credit score. It is over XXXX worth of incorrect debt. I am trying to refinance my mortgage. Please make Experian report things correctly. I tried the proper route of disputing the info first. I actually included a payoff letter from one of the companies.

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 2020-08-13
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2020 I mailed dispute letters to Experian, XXXX, and XXXX  requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.

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 2023-09-15
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: Account information incorrect

Complaint:
I have requested to XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Betterment LLC
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wednesday XX/XX/2020 {$16000.00} was frozen in my account because of suspicious activity I was asked to provide proof of identity and the letter from unemployment regarding the $ XXXX deposited on XX/XX/2020 so I sent them my up to date ID my social security number a selfie and the statement from unemployment confirming the deposit into that exact account. I called many times and keep getting it is being reviewed its not there decision its there XXXX XXXX  XXXX XXXX decision but when I called them they had no knowledge and they only provide BETTERMENT w their debit cards. I called Betterment again when I woke up this morning to an email saying my ID was expired which I sent my new ID from just moving to XXXX  and my old expired XXXX  ID just so they knew why I was receiving benefits from XXXX  I've been back n forth from XXXX  because I work up there 6 out of the 12 months a year spring n summer and now I explained to them I didn't have to send that ID MAYBE I shouldn't have but I did but my current ID is valid and finally the accepted all my documents but still keep acting like they can't unlock my account its under review but won't let me talk to who is reviewing it or give me any of my money. I know they might not have been affected by the Pandemic but I have and I need my money please. OK I took a break for a minute just now to read an email from betterment and they are telling me they are communicating w XXXX  about my ID that XXXX  didn't initiate at all and does know about my temporary address in XXXX  but that's not the banks place to give confidential information like they are cops trying to investigate fraud. Now if XXXX  asked about it than maybe but normally it'd take a court order to divulge a customer 's personal info. But that's my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company says I owe over {$400.00} from an XXXX XXXX XXXX account. However, I had tried to return equipment in the past. Credit agency can not guarantee that if I return equipment the fees will be reversed. In addition they have been calling multiple times a day anywhere between 3 to 7 times a day. I do not answer anymore because there is dead space on the other line for approximately 2 minutes and then they hang up after I identify myself. After receiving my call I generally get a notification that my credit report has been updated with a response that Sunrise Credit Service has added a derogatory mark on my report. Currently they are adding marks every week.

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 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are 3 Hard inquires happened with out my consent. Seems, someone got my SSN details and misusing that in past 2 months. I reported this incident into police station in my area and they asked me to work with credit bureaus and banks to resolve this issue.

I reported all credit bureaus and placed the freeze on my credit report. 

I reached out to XXXX and XXXX XXXX to dispute the hard inquiries. I am working with XXXX XXXX to remove hard inquiry entry. 

Please help me on preventing my SSN details from mis-use and advice banks to implement better security procedure and verification procedure. None of those transaction happened without my consent.

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