BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
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:
My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 not associated with the address XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX or anything that has been sent there. XXXX XXXX has brought it to my knowledge that my name was associated with that address, this is incorrect. 
Also, Phone number XXXX is not associated with me, I was in XXXX using a XXXX phone while in the military. I am not sure who has accessed my personal 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 non-monetary relief
Consumer complaint received 2023-01-19
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: 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 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 2022-04-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have not ever received any written notification in reference to a Comenity Bank/Victoria Secrets Card . I had a Victoria Secret Card that was submitted with a XXXX XXXX XXXX that was filed in XXXX and discharged in XXXX. Since then I have not had a Comenity Bank/Victoria Secrets card nor have I received in written communication referencing a debt owed. I have not have any reporting to any CRA 's that a debt was owed, past due or charge offed. On XX/XX/XXXX, after relocating to Florida and starting a new job, I received a very threatening call from XXXX XXXX XXXX XXXX out of XXXX TX. The women told me that there was a warrant out for my arrest and that they had a default judgement against me, she verbally provided a case # and stated that I had until XXXX pm that day to pay to stop the warrant and final judgement. I working as a XXXX in the XXXX XXXX and can not have any negatives on my credit. So in fear I immediately paid the debt without verifying if the debt was even valid. The women knew all my personal info and sounded very convincing. I emptied my savings and paid {$3100.00} to XXXX XXXX XXXX. I received a letter from them confirming debt paid in full. As of XX/XX/XXXX I have started receiving calls for the same debt stating that same a warrant and default judgement being issued. I started receiving calls from XXXX XXXX XXXX say that I owe for {$1700.00} in fees to include an amount of {$390.00} being part of the original debt. I contacted Comenity Bank/Victoria Secrets company on XX/XX/XXXX who stated that they do not show a card or a past due debt referred to a debt collector. I called XXXX XXXX XXXX who stated that they have no cases or judgements pending or ever filed against me. I checked my credit reporting and no such debt shows on my credit file. XXXX XXXX XXXX, have been rude, threatening and demeaning and have not provided any proof of this debt. They have not provided anything in writing, nor over the phone when I requested both. I told them I do not owe anything and that I am not required to pay on this debt per the protections under the FDCPA. They call from different numbers, they answer the phone by saying just hello, they do not say that they are debt collectors or that their line is being recorded. I have told them I do not owe this debt and they keep calling. These companies are not practicing in accordance with the FDCPA and consumer protection laws. I am needing your assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TiXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: BSI Financial Holdings, Inc.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was just sold to BSI financial services at the end of last year. I noticed in XXXX that my taxes have not been paid. I have contacted them four different times now to make sure that they get paid but it still hasn't been done. Every day that they don't get paid the penalty gets higher and I am afraid that they are gon na use my escrow dollars to pay the penalty as well which isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a complaint with an ID theft report to TransUnion on XX/XX/23. XXXX had 4 days to block the fraudulent inquiries and they are still on my credit report. They have extended the complaint response time to the CFPB, which is fine, but they still have to follow FCRA block procedures. I identified the fraudulent information, I provided ID, and I provided a valid ID theft report, so the fraudulent inquiries must be blocked. Please make XXXX  follow the law within the FCRA specified timeframes. 

XXXX took care of this right away but not 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 2019-08-03
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRESTIGE FINANCIAL SERVICES INC is continuosly attempting to collect a fraudulent debt by placing said debt ( account number on credit report # XXXX ) on the credit report of XXXX XXXX ( last four ss # XXXX XXXX. This alleged debt was settled in a court of law 3 years ago ( judgment attached ) yet PRESTIGE FINANCIAL SERVICES INC continues to list this fraudulent account. PRESTIGE FINANCIAL SERVICES INC hereby agrees that XXXX, XXXX can take immediate legal action if this alleged debt is not removed from the credit report of XXXX XXXX within 7 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Open Dealer Exchange, LLC
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:
I noticed an inquiry that was not authorized by me, and the inquiry is stuck on my credit. When I go through the creditor there was no resolution. 
XXXX XXXX XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit report and noticed a charge off from XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on TransUnion. I sent a notice to the creditor requesting for a 1099-C form on XX/XX/2022 but they failed to reply and I sent a follow up response on XX/XX/XXXX, and they failed to respond again. 

This information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX has understood this, but TransUnion still has not deleted this information that needs to be deleted.

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 2021-02-28
Company: Halsted Financial Services, LLC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a first credit card bill from XXXX XXXX Bank ( of XXXX XXXX NV for {$2400.00} ( later this mysteriously became {$2500.00} ). I NEVER OPENED AN ACCOUNT WITH XXXX  XXXX. I had been notified by XXXX that the account had been opened & I disputed having done so & requested it be blocked. XXXX shortly posted the account as " closed '' after I'd written to XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. NB : The XXXX XXXX bill had been sent to the wrong address ( repeatedly?, yet delivered by a mailman who knows me ) and the acct. # seems peculiar ( 15 numbers instead of 16 etc. I've never seen a list of transactions. ) XXXX XXXX then contacted me to say the account had been " resolved '' and it continued to appear on XXXX throughout XXXX as " closed. '' I corrected the address with XXXX XXXX  but they recently informed me ( via still incorrect address ) " my account '' ( fraudulent ) had been sold to XXXX, XXXX in XXXX NC, which appeared on my XXXX XXXX account under " For Collection. '' Then I heard recently from a collection agency called Halsted Financial Services XXXX XXXX IL ) they were collecting for aforesaid XXXX XXXX. Note : I never opened an account with XXXX XXXX ; I have never heard from XXXX XXXX directly, and have contacted Halsted with no reply ( XX/XX/XXXX ). I have filed reports with the FTC and XXXX Police, placed credit freezes and alerts with the 3 credit rating companies. I have searched and found that my name & email were breached & appear with XXXX  ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, & Share This ( XX/XX/XXXX XXXX. BOTTOMLINE : XXXX XXXX XXXX  if now trying to collect for XXXX XXXX for {$2500.00} on a fraudulent account I never opened. HELP! Someone fraudulently opened an account with XXXX XXXX in my name XXXX Where's the application to open this account? Must've been online : wrong address, 15 numbers in a peculiar arrangement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-08-16
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX. Please delete.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-01-24
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On a recent credit check I noticed two credit pulls that I did not authorize from Comenity Bank after a credit alert was placed in XXXX of 2022 when someone opened a XXXX XXXX account with my information and a savings account with XXXX  XXXX. All of the companies mentioned were notified that these accounts were done fraudulently and police reports were filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my information 15 usc 1681 4.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I get a email every day about my Wells Fargo bank balance but I am not allowed to sign in to see

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 2022-04-13
Company: World Acceptance Corporation
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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After 30 years with the bank ( Bank of America ) we receive a letter telling us that they are no longer allowing mortgage loan broker checking and XXXX Trust accounts. When asked why, they said that it does not meet their risk criteria.

In our State of California, a Department of Real Estate licensed XXXX  is required to have a XXXX Trust account which the XXXX  deposits and manages funds on behalf of a beneficiary. This is a business checking account. The account must have FDIC coverage or XXXX, etc. The account must be titled with a Trust account in our name. No separate Trust agreement is required as it is outline in California Business and Professions Code Section 10145 ( a ) ( 1 ) and Commissioners Regulations 2832 ( a ).

We approached approximately 6 other Federally Charted Banks in our City and were told they are not opening Trust accounts for Mortgage Brokers.

This will limit consumer choices in obtaining loans and stifle competition.

The bank has no cause to close our accounts and give us notice of less than 30 business days. 
Other mortgage XXXX I am told get around this by telling the bank they are real estate offices with salespersons, not mortgage XXXX. This is lying to the bank which we do not believe is a good way of doing business or ethical.

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 2022-04-13
Company: EQUIFAX, INC.
State: MO
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 U.S.C 1681 section 602 A - right to privacy 15 U.S.C 1681 Section 604 A - States a consumer reporting agency can not furnish an account without my written Instructions! 

Ive also sent a letter which will be attached! The letter was sent in XX/XX/XXXX and I have not heard anything back! Its been past 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: BTH Management
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my credit file and noticed that a debt collector that goes by the name " Plaza Service '' was reporting a debt for a lending company by the name of " lendmark Financial ''. I was a victim of identity theft and this account was opened up fraudulently and was resolved with the original creditor. However, Plaza Service continued to harass me about the debt. The debt was reported by Plaza service to my credit file on XX/XX/2021.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: VA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation