BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: CA
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:
Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX  on XX/XX/XXXX XXXX  XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-01-19
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX, I accepted an offer from American Express to 'upgrade ' my 'XXXX ' XXXX  [ which has no annual fee ] to an 'XXXX XXXX ' card which has an annual fee of {$95.00}. Included with this offer was the promise of XXXX Membership rewards points if I spent {$2000.00} on the card within the 1st 3 months. 

I spent the required amount on XX/XX/XXXX and paid the annual fee ( which AMEX prorated to {$41.00} ) which posted on XX/XX/XXXX. AMEX then issued my the XXXX Membership rewards points. 

On XX/XX/XXXX, I was billed the {$95.00} annual fee for the following year. Since I found I was not getting substantial benefits associated with the 'upgraded ' card, I called AMEX and had them downgrade me back to the 'no fee ' 'XXXX ' XXXX AMEX did so, and refunded most of the {$95.00} annual fee. 

However, AMEX also clawed back the XXXX Membership Rewards points for which I had already met the qualifications, via paying the annual fee for the previous year and spending the required amount within 3 months of doing so. 

I feel this is a 'bait and switch ' on AMEX 's part and I'm requesting that they restore my XXXX Membership rewards points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Westcreek Financial
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Westcreek, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-03-12
Company: Applied Data Finance, LLC
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:
Hi, On XX/XX/21, I sent a certified letter to Personify Financial to dispute this alleged debt. The address they have on file for all communication is XXXX XXXX XXXX XXXX XXXX, CA XXXX. The letter was returned on to the sender on XX/XX/21 because the address is undeliverable and unable to forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRUIST FINANCIAL CORPORATION
State: OR
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-04-28
Company: EQUIFAX, INC.
State: MD
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX Balance XXXX {$910.00}, XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: MO
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-01-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For several years I have been unable to log in to Sallie Mae/Navient. My correct birth date and social security number do not work. Nonetheless, I have attempted to repay my legitimate loans. Today I received a collection notice from XXXX XXXX referring to a debt ( {$830.00} ) which I have no record of and have no way of confirming. 
I suspect that they have created more than one account and that their records either include someone else 's debt or that they are billing me for someone else 's information. I am extremely frustrated because I get no where reaching out to them, they will not communicate in writing and demand that I spend hours on hold only for them to fail to correct anything. When they do send me mail, they do not give any history, just demand additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: AES/PHEAA
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was never late. At the time of the late payments reported to the Credit Bureaus it was in deferment and then transferred. I am requesting that the inaccurate late payments be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Franklin Collection Service, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing my credit report on XXXX XXXX, 2020, I discovered that there are inaccuracies on all three credit bureaus. I have filed a report with the federal bureau and the company, but it has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX an Electronic Funds Transfer was rejected from my Credit Union. The amount was for {$330.00}. This was not my check and was caught while I was at the bank disputing two other checks that were cashed against my account. The credit union immediately closed my account and reimbursed my funds. I disputed in writing these debts with XXXX XXXX XXXX and now with Professional Bureau of Collections of Maryland , Inc. but continuously receive phone calls and letters. I responded in writing again on XX/XX/XXXX and again today through an email. I also fileed a police report for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Dear Portfolio Recovery Associates, I have requested you to provide competent evidence of my alleged ownership of disputed false account XXXX and you responded with the false claim that you " investigated '' my complaint but failed to provide any competent evidence of the alleged debt other than some fake statements. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: AMERISAVE MORTGAGE CORPORATION
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a mortgage with AmeriSave XX/XX/XXXX. We were immediately approved for the loan due to our perfect credit and the very favorable loan to value ratio. Since this date, we have supplied all required documents within 2 business days of any request. Over the last several months we have been required to continually submit documents, at times the same documents. We have continually questioned when the closing date will be and are given excuses that either they are working on the loan or have been very busy, all the while assuring us we will be closing our refinance soon. On XX/XX/XXXX we sent an ultimatum to send a closing date with a close before XX/XX/XXXX or provide compensation. We were given a date of XX/XX/XXXX to close and were sent CDs to review. On XX/XX/XXXX I emailed to ask for the time of close and was told that the processor only sent an estimate. When we questioned the processor on this, he told us our loan was not approved despite the loan being approved months ago. We can not get any straight answers and we have since missed out on lower rates while waiting for AmeriSave.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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 third 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 inquiries 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 inquiries XXXX XXXX XXXX Inquired about on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 2023-01-23
Company: Creditors Bureau Associates
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is violating several XXXX laws. I sent them a notice asking for the documents of how I owe them any money but they are refusing to send me anything. If anyone shared with them any thing about me going to a hospital that is also against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: FORD MOTOR CREDIT CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The account XXXX is listed on my credit reports as an unpaid charge off. I have mailed a few letters to Ford Motor Credit customer relations in hopes of settling the debt or at least reaching an agreement, in writing. Each letter results in a denial of accepting whatever payment amount I offer. In my most recent letter dated XX/XX/2020 I offered to pay {$4200.00} for the car and the response was, " XXXX  declines to accept your request to settle your balance. '' I would assume at this point either filing for bankruptcy to be completely done with this account would be the next best step considering that Ford has not made any attempt to pick up the car, which they can do at any point with no fight. The pandemic has greatly impacted my household and I'm ready to be done with this account. It is not only impacting my credit profile but the car doesn't even start which is shocking considering it is up to date with all maintenance check ups and is simply not worth the XXXX  anymore. I believe that the original contract is in full force and effect and would call for Ford to reclaim the car and credit the value of the car and any balance left I would be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted them regarding inquiries that were not authorized. Transunion is not willing to verify and provide proof of these inquiries. I have contacted the creditors for each and they all have told me to contact Transunion. Also, this is the same process I had to follow with XXXX  and XXXX. Please fix this, the inquiries are listed below : XXXX XXXX XXXX XX/XX/XXXX, XXXX... 



XXXX XXXX XXXX XX/XX/XXXX, XXXX... 


XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX... 


XXXX XXXX XXXX, XXXX... 


XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XXXX  XX/XX/XXXX, XXXX... 

XXXX XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XXXX XX/XX/XXXX, XXXX... 

XXXX XXXX XX/XX/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