BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXXXXXX XXXX XXXX .... Balance : {$8500.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$290.00} ; XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX WY XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I RECENTLY BEEN DENIED CREDIT BECAUSE OF THE FRIVOLOUS INFORMATION THATS REPORTING ON MY FILE. I REALLY DONT UNDERSTAND HOW ARE THESE ITEMS REPORTING WHEN INFACT THEY WERE NEVER TAKE OUT. IT IS MY RIGHT AS CONSUMER AND A CITIZEN TO FIGHTAND REACT TO ANY UNAI WAUTHORIZED INFORMATION REPORT ON MY FILE. I KNOW BY LAW THE CREDITOR HAS 30 DAYS TO RESPONSE ANY CLAIMS REGARDING THIS MATTER, BUT I AM GOING TO ASK THE BUREAU TO SPEED UP THIS PROCESS AND REMOVE THESE MISLEADING INFORMATION OFF MY REPORT BECAUSE ITS HURTING MY ABILITY TO OBTAIN CREDIT. THE FEDERAL TRADE COMMISSION WILL BE NOTIFIED IF THESE ITEM ARE NOT BE NOTIFIED IF THESE ITEM ARE NOT DELETED WHEN THE RESULTS COME IN YHE MAIL.

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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I identified an unknown charge of {$21.00} to XXXX of my credit cards, under the name " TransUnion. '' I then noticed that this charge had been occurring every month since XXXX, XXXX. On Friday, XX/XX/XXXX, I called the XXXX number associated with that charge in the credit card statement and asked the representative what those charges were for. The company alleges I signed up for a credit monitoring service in XXXX of XXXX. I do not recall ever signing up for this service, nor have I ever used this service. During the call, I asked the company to immediately cancel this " service, '' which the representative agreed to do ( attached is the cancellation confirmation ). After a thorough search of my e-mail and paper receipts, I could not find any records of an agreement or enrollment ( attached is a screenshot of the results of searching " 'transunion XXXX credit monitoring '' on my XXXX XXXX. I believe I was deceived into enrolling or otherwise improperly charged for this service. An internet search has revealed hundreds of similar reports from consumers who have faced a similar problem with this company and " service. ''

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 monetary relief
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: IN
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 contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Diagnosed with XXXX on XX/XX/XXXX and out of work since the Massachusetts XX/XX/XXXX shut down. I notified my mortgage company of my situation in mid XXXX and asked for relief on the following months ahead. I was explained how they would not report any late payments to the credit bureau and couldn't help me because im current on my payment. I called back on XX/XX/XXXX and they told me that i was not on that program and I had to call again to have it put in place, but there was nothing they could do because i was current on my payment. i got the stimulus check and payed XXXX mortgage. I called XX/XX/XXXX to talk about how i could not make XXXX payment, again i was told there is nothing they can do because im current. I then called on XX/XX/XXXX, and I am now late with my payment. I was then told they would send me a letter with my relief options in the mail, in about 7-10 business days. i received my tax return back and payed XXXX late. its now XX/XX/XXXX and i haven't received any letters from them. So i called and explained the back story and now they told me that there is nothing they can do because im current on my payments and no letter was sent out and that there are no relief options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
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:
YOU BROKE THE LAW!!! 
You are in violation of my rights and you broke the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports cleary states that i have to give you permission to report anything on my credit report.

NO CONSENT FROM ME IS CONSIDERED IDENTY THEFT!

( 2 ) In accordance with the written instructions of the consumer to whom it relates I DID NOT GIVE YOU PREMISSION TO DUE SO AND YOU GUYS DONT HAVE OR NEVER HAVE HAD ANYTHING IN WRITTING SAYING THAT I GIVE YOU PREMISSION TO DUE SO! I HAVE CONTROL OVER WHAT GETS REPORTED AND THE PRIVACY OF MY REPORT.

YOU WILL DELETE THESE ACCOUNTS!

15 U.S. Code 6801 - Protection of nonpublic personal information - cleary states that ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

All eight of those financial institutions have violated and broken the law by not protecting my privacy and giving you my none public personal information, They know they are in violation and your company knows accepting this information and reporting it is in violation also you just do it anyway in hopes that people dont know their rights!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information again this goes into more detail about sharing my none public information and states that no financial institution shall give my information to nonaffiliated third party. 
The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. YOUR COMPANY IS A NONAFFILIATED THIRD PARTY!! 

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 2023-12-07
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been using this Marcus account for roughly 6 months and I have been consistently depositing money into it to save up. The account is not a CD so I expect to have the liquidity flexibility for my funds. My latest deposit was last night ( after hour ) and while the deposit went through smoothly, this morning while I tried to withdraw for a first time in a bit, I could not proceed and kept getting error messages. I tried calling the customer hotline, which was ONLY NOTIFIED THEN that there was a restriction on my account. I proceed to request information on when and why was my account restricted, as well as removing the restriction and not only did I not receive ANY INFORMATION on why my account was restricted NOR WHEN the restriction was placed, the representative ( Diamond? ) told me that she could not verify my identity since I just changed my number ( though it is updated in the app, and I have verified with SSN, first and last name, DOB, secret security word, as well as email ). I spoke to another representative, XXXX, which, apparently, has access to the record of me speaking with XXXX, and aggressively told me I will have to wait XXXX business days to hear back since my phone number did not meet the criteria to be verified. Of which, when I asked why and what are the criteria, XXXX refused to provide me any additional information about why my phone number does not meet the criteria and what the criteria is. This is violating my rights as a consumer since I was not notified at all about the restriction and now, I can not have access to my emergency funds, specifically for withdrawing only and not depositing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Remitly, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sent XXXX dlls to XXXX, the delivery promise was XXXXXXXX XXXX and then it changed to XXXX XXXX  on XX/XX/2023 and I still haven't received the deposit, I contacted remitly and they indicate their partner is validating information. I asked remitly last week to increase the amounts I can send and uploaded to their app, my ssn, id, place of work, position, evidence of my account statement. I sent the money to pay my concubine 's credit card debt with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00} ; XXXX XXXXXXXX XXXX : {$20000.00}

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 2023-12-03
Company: Experian Information Solutions 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:
XX/XX/ I submitted a dispute an account that's on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. 
XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

I have been researching and looking up my rights as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have 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 2023-12-03
Company: Experian Information Solutions Inc.
State: CA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2021-10-23
Company: Nelnet, 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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.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 Nelnet Loan Services. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
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:
I have NO knowledge of the account/s being reported by this company!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING ME!!!!

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 2023-12-03
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

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

15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: ERC
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:
Enhanced Recovery CO L is reporting an account from XXXX account number ending in XXXX in the balance of {$2800.00} on my credit report I have no knowledge of this account and Im asking this collection agency to furnish full proof that this belongs to me and if no proof is given within 30 days by law under FCRA this needs to be removed from all three credit bureaus immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I filed a complaint to XXXX XXXX and Experian asking for proof of my approval of my debt being sold to XXXX XXXX. This was was never supplied and Experian stated the information and debt was accurate. This is illegal as XXXX is not even a NY company and there is no proof of my permission to sell my debt. I need this removed from my credit report and as I asked for prior, a {$1000.00} for violating my rights. There is an open lawsuit by your company against XXXX recovery for doing exactly 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 explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect name spelling and other names listed. There is incorrect identification number with these names. There are incorrect addresses continuing to report. I have put multiple security freezes on my identity theft during Covid-19 and showing that accounts have been compromised by this. I have filed disputes and nothing has been resolved.

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 2021-06-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There a are a few credit inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX was in fact contacted and sent multiple police reports in XXXX, XXXX of XXXX along with same information to Experian. The account was charged without my permission by unauthorized user. The account was closed and I was informed in XXXX an investigation would take place and my credit would NOT be affected. This has not been the case. For over a year this is still appearing as negative on Experian report. I contacted XXXX in XXXX, XXXX and spoke with XXXX in collections and he informed me that if I paid XXXX XXXX would send a reversal of late payments for multiple months and Experian report would only show paid in full and closed. It is now showing paid, charge off closed and over a year of charge off. XXXX  has never sent investigation of unauthorized use and the XXXX XXXX was sold to XXXX XXXX. I have disputed called complained. The unauthorized user has never been located. My Experian report is pristene all accounts paid on time and mortgage of XXXX paid off in 3 years there is no way Id let a XXXX bill ruin my credit. My other two reports are good. I just want XXXX XXXX updated to reverse all charge off and lates as promised and Experian to investigate properly. I filed a XXXX complaint against Experian as well for reporting inaccurate and erroneous information.

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