BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: PA
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:
XXXXXXXX XXXX is a third party that was never given written consent from me the consumer to have access to my reports or even report information. Further there is no written consent from me the consumer for them to have had communication with XXXX XXXX XXXX  This is a violation of 15 USC 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

XXXX XXXX  has committed identity theft and continues to do so as recent as XX/XX/2022. 
15 USC 1681c-2 ( a ) a consumer reporting agency must remove/block information alleging to be a result of id theft shall be removed no later than 4 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a medical bill that insurance paid and shows a XXXX balance. Also the collection agency sent me personal medical information that is hippa violation of my rights. The original creditor shows a XXXX balance and the credit bureau refuses to remove my medical collection. I have attached documentation showing it is a medical bill with a XXXX balance as well as the collection agency having copies of my medical procedures that were done.

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 2022-06-02
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$570.00} ), XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$120.00}, XXXX. ( Date Opened XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$480.00} ), XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX, Balance : {$2700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$6600.00}, XXXX XXXX XXXX ( Date Opened : XXXX, XXXX, Balance : {$930.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 which 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 2023-05-15
Company: Home Loan Center, Inc.
State: IL
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 got a letter from XXXXLending dated XX/XX/2023 that they conducted a soft pull and denied vehicle financing based on loan originator XXXX I do not remember going to XXXX and providing them my social security number or even last four of my social for this exercise. 

I called XXXXLending and they asked me to contact XXXX. I was on phone with both companies and they are not able to verify or confirm who, why the soft credit pull was done. 

Please investigate it as a business malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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 2023-09-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I went to make a payment on the XXXX of XXXX and I found out that they would not accept my payment because my house is in foreclosure. I never received any notice of foreclosure and now they are telling me I did not make my payment in XXXX of XXXX. Why did it take 10 months? I also texted them in XX/XX/XXXX when I found out my payment did not go through. I texted them to ask why they did not take the payment out and they responded to me by text and they said that I only agreed to XXXX payment. But I asked them to take out XXXX, XXXX and XXXX of XXXX. They said that I only agreed to XX/XX/XXXX but they took XX/XX/XXXX out. When I asked and they would not give me the correct answer. I called again and they repeated that i only agreed on XXXX. But why did they take XXXX out? 

My Mortgage payment has changed three different times in the past year. I did not know until I had called and made a payment that it had changed.

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 2022-10-16
Company: EQUIFAX, INC.
State: NC
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:
According to North Carolina Law ; General Statute, Section 1-52.1 of the North Carolina Rules of Civil Procedure, The Statute of Limitations that governs the debts that are being reported to my credit file by XXXX XXXX XXXX validate the fact that these debts being reported have expired and fallen outside of the statutes of limitations. You can reference XXXX XXXX with the link below, but at this time I demand that all entries on my credit file be removed from all credit bureaus under the guidelines set forth by the State of North Carolina Law. 

Please remove all entries by XXXX XXXX XXXX from my credit files immediately as the expirations of these collections expired a considerable amount of time ago. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an invitation to apply for the Comenity Bank PlayStation Visa credit card. I have excellent credit ( XXXX credit score as reported by XXXX ). The application was approved, I received the card. I then activated and used the card for one purchase. Within 2 weeks, before my first payment even being due, I received a message from Comenity Bank stating that my account was closed due to an XXXX report and the " number of inquiries on your credit report ''. 

I contacted XXXX and asked about my credit report and the number of inquiries I had on it. They informed me the ONLY inquiry on my credit report in the past 2 years had been the 1 inquiry from Comenity Bank when I applied for the credit card from them. 

I then contacted the bank and asked them about this and they said they didn't need a reason to close my account. I then asked why they used the " number of inquiries '' reason in their written e-mail about them closing my account and they just repeated that they did not need a reason to close my account. 

So they have hurt my credit standing on two different fronts. One, they did inquire on my credit report, which I know too many inquiries is bad. Then they approved my application only to close it without reason. I'm sure that is not going to reflect well on my credit. Getting a new account that is closed in a matter of weeks of it being open by the credit card company. 

I am not sure what their gain is here. Why would they send an invitation for me to apply for their credit card, ask about my credit situation, approve my account, send me the card and let me activate and use it. Then they get a report stating that they did ask about my credit situation and close my account because THEY asked about my credit during the approval process? 

What I did notice was multiple posts on their XXXX account with other people saying they are lowering their credit limits and also closing their accounts for no reason and hurting their credit standings also. So why are they purposely trying to ruin people 's credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I purchased on XXXX a room for XXXX nights at the XXXX XXXX in XXXX XXXX, California. The transaction totaled {$470.00}. I arrived on XX/XX/XXXX to a room infested with bed bugs. This was unacceptable and I immediately informed the desk that this was not going to work out because it is unclean and hazardous to my health and I went to XXXX to provide a refund. They did not. 

I then on XX/XX/XXXX filed a dispute with my Card company Chime they have 10 days to investigate the dispute and if more time is needed upon providing a provisional credit have time extended to 45 days. 

It is now XX/XX/XXXX calendar days later and 11 business days later including the a XXXX XXXX holiday. No response of on the investigation is been provided. Also no provisional credit has been added to my account. 

The law on bed bugs in California is ; California Health and Safety Code Section 17920.3 Any building or portion thereof including any dwelling unit, guestroom or suite of rooms, or the premises on which the same is located, in which there exists any of the following listed conditions to an extent that endangers the life, limb, health, property, safety, or welfare of the public or the occupants thereof shall be deemed and hereby is declared to be a substandard building : ( a ) Inadequate sanitation shall include, but not be limited to, the following : Infestation of insects, vermin, or rodents as determined by the health officer. 

General dilapidation or improper maintenance. 

Appendix 2- California Code of Regulations, Title 25, Chapter 1, Subchapter 1 Section 40. Bedding : In every apartment house or hotel, every part of every bed, including the mattress, sheets, blankets, and bedding shall be kept in a clean, dry sanitary condition, free from filth, urine, or other foul matter, and from the XXXX of lice, bedbugs or other insects. The bed linen in a hotel shall be changed before a new guest occupies the bed. In every dwelling unit where linen is furnished, the linen shall be changed before a new guest occupies the dwelling unit. 

25 CCR 40 Bedding. State Housing and Community Development- Bedding Beds in apartments and hotels that supply beds and bedding to renters must ensure that all bedding is clean and free of bedbugs. Linens must be changed before a new occupier occupies the unit. Hotel bedding must be changed before each new guest arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Open Date XX/XX/2018 XXXX {$89.00} XXXX XXXX  XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.

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 2023-01-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXXXXXX XXXX XXXX REPORTED ON MY ACCOUNT AND TO CREDIT REPORTING AGENCIES ON XX/XX/2021 THAT I WAS PAST DUE 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit reporting agencies do not seem to have integrityand unbiased practices. I was informedthat my file was suppressed because a collection company stated .... they did not think i was the consumer while disputing the fraudulent account that recently appeared on my file. In addition to release and or removing said suppression. The credit agency is asking for a copy of my social security card which is also an identifierthat was stolen. This is information has been reported to the police dept. and an affidavit is on file. If the information was stolen why would I give it freely to a credit agency who will then share it with the collection agencies to validate a fraudulentdebt. 
The credit agency has the ability to send out real time alerts for attemptsof new credit, however there are new alerts when a collection is attempting to place an account. It is already on your report and has done the damage to your score even when there is a police report on file. In addition, These credit companies are for profit and have the power to move with integrity. Instead they want you to pay a monthly fee to protect you and then offer a premium package that is supposed to assist. This is all a game and the AMERICAN PEOPLE DO NOT DESERVETHE GAMES when they have worked hard to have a good credit rating. WHAT IS CREDIT SUPPRESSION? 

These actions should not be allowed and these practices need to cease. 
Complaints will be filed with all the agencies below FTC CFPB DEPT OF JUSTICE ATTORNEY GENERALGOVERNOR OF TEXAS

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : 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 XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Just today, I asked, yet again to only be communicated with in writing and the lady told me she would call again later rather than honor my request to follow up in writing. So many phone calls and I keep asking for only written communication.

Company response to consumer: Closed with non-monetary relief