BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: HW Holding, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Hunter warfield inc in XXXX, Florida is Violate in my consumer rights Reporting information to the credit bureau without my authorizadid not inform me that they was going to do this did not give me an opt out paperwork I did not even agree with this company or have a contract with this company under any circumstances I wrote them for them to provide Information that I have agreement with them And showing me wet signature that I agreed with any kind of contract they have I do not notice people but right now they're putting this information on my credit report which is causing damage to me and my family and stopping me from getting loans And moving into any apartments to provide a roof over my family head which they're giving dyseptic information and false information which is XXXX in my character I asked them to remove it as well because I do not have a contract with them And I did not give the previous owner any rights to give anyone my information and by law they're supposed to contact me and give me a chance to opt out which they never did I do not know these people And a report on my credit inaccurate information and they have stole my identity because I did not give them my social security number under any circumstances

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute the accuracy of information on my credit report. I recently obtained a copy of my credit report from agencies, and I have identified several inaccuracies that require attention and correction. 
Incorrect Address Information : The following addresses are listed on my credit report and are inaccurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX I have never resided at these addresses, and they are not associated with my credit history. 
Unauthorized Hard Inquiries : I have identified the following unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or authorize these inquiries on the specified dates. 
I am formally requesting that these inaccuracies be investigated and corrected as soon as possible. Enclosed with this letter, please find supporting documents that validate my claims.

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 2023-12-14
Company: EQUIFAX, INC.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The three 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 accounts 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 removal due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: In progress
Consumer complaint received 2022-06-14
Company: City Enterprises, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX a certified/registered letter on XX/XX/2022 requesting all paperwork in regards to my account. I would like the loan contract and application that was submitted for car. I also request alleged information that is being reported on my credit report. I'm showing {$9.00}, I would like to know how this about was computed. As a right of mines I would like this alleged information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions 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:
I have disputed the account ( XXXX XXXX XXXX ) on my report that is continuously reporting incorrect information. I have contacted the original reporting company and after long discussions with them the issue is still not resolved and it is ruining my credit reporting. The reporting agency is not accurately investigating the issue.

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 2021-12-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian Credit Reporting Bureau Practices Redlining in violation of the Equal Credit Opportunity Act ( ECOA ) and Consumer Financial Protection Act ( CFPA ) Experian is reporting false, damaging, incriminating, inaccurate character assassinating information about me to possible creditors without reason as a result of this credit bureaus actions I have been unjustly denied credit opportunities, and my credit worthiness has been affected placing an undue hardship on myself and my family. The information that Experian reports to me the consumer is drastically different then what they are reporting to the potential creditors. Experian is doing this in violation of the Equal Credit Opportunity Act ( ECOA ) and Consumer Financial Protection Act ( CFPA ). Experian Consumer Reporting Agency is committing acts much like the ones presented in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , where the plaintiffs alleged that Public Data qualified as a consumer reporting agency under the FCRA because it collected, sorted, summarized, and assembled public records information into reports that third parties could purchase on its website. They alleged that the defendants practices led them to provide reports containing inaccurate criminal history information and claimed that Public Data violated the FCRA by failing to comply with various FCRA requirements, including the requirement to follow reasonable procedures to assure accuracy in the preparation of consumer reports. None of Experians duties derives from Public Datas status or conduct as a publisher or speaker but instead involve duties that the FCRA imposes on consumer reporting agencies which are specific to the function of a consumer reporting agency. I am alleging much like the Plaintiff in XXXX XXXX XXXX XXXX, the plaintiff claimed that the defendant website operator willfully violated the FCRA by allegedly publishing inaccurate personal information about him. In my case this reporting agency has continued past and present to cause great harm and damage to my livelihood. Experian Credit Report Account is disseminating information falsely and incorrect which is preventing consumer credit opportunities by XXXX Implementation. Falsely reporting Loan balance, payment amount, number of inquiries, providing false criminal history records during the consumer credit application process. 

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 2018-10-18
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Sent money in the amount of {$10000.00} to daughter using PayPal on XX/XX/2018. Transaction number XXXX. My bank shows that money was withdrawn by Paypal and PayPal shows pending on an echeck send but no funds were ever received by my daughter and PayPal can't seem to answer where the money is. It's been 10 days and I would like the transaction canceled and the funds returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The following has been reported on my credit report without written consent. On XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX dollars. They also reported XXXX XXXX XXXX XXXX  on on XXXX XXXX. On XXXX XXXX XXXX  reported XXXX XXXX XXXX XXXX XXXX  dollars. On XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported 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 2022-10-03
Company: National Credit Systems,Inc.
State: TN
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:
I filed an identity theft report wit Federal Trade Commission and sent the report to XXXX and they assured me the collections would be deleted. Not only is it not deleted but now it is on all three credit reports. I want to report XXXX for not doing what they were to do to correct this problem. 

Federal Trade Commission Idenity Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: OK
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:
This XXXX XXXX dealer service account was paid in full and completed. I submitted proof to the credit bureaus and they still report incorrect and now are adding additional late payments to the account that has been fully satisfied. This is identity theft, and copyright infringement. I will attach the copyright notice.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-01-06
Company: EQUIFAX, INC.
State: PA
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:
The following has been reported on my credit report without written consent. On XXXX XXXX XXXX XXXX XXXX XXXX reported XXXXXXXX XXXX XXXX XXXX XXXX dollars. They also reported XXXX XXXX XXXX dollars  on on XXXX XXXX  On XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX  dollars. On XXXXXXXX XXXX, XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 non-monetary relief
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-01-06
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I am filing this complaint against AES because of their behavior with servicing a loan for XXXX. My loan has grown to over twice the size of the amount that I borrowed. The account is supposedly " 962 days past due '' but does not show it is defaulted. I believe AES and XXXX are conspiring to keep it in " limbo '' status. 
I have repeatedly faxed an authorization for my representative, a certified credit counselor, to speak with them and they continually deny they have received it. We did a conference call with them on XX/XX/XXXX and they asked us to submit any payoff offers in writing, which we did also by fax, and they claim not to have received it. 

XXXX, my original lender, went bankrupt and their assets were transferred to XXXX. However, XXXX is owned by the same person who owned XXXX. We ask the CFPB to examine the legality of this type of transfer and investigate the companies involved, as well as AES 's involvement in providing cover for them and servicing loans for a potentially fraudulent company. 

Additionally, I request that XXXX agree to settle the loan for the amount I am offering, which, combined with the amount I've already paid, is more than the original amount that I borrowed. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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:
In response to my last dispute about dinging my credit when refinancing. Yes XXXX did email me XX/XX/XXXX, but lets start from the beginning. I was told XX/XX/XXXX over the phone by XXXX XXXX not to make my next mortgage payment. I then also reached out to him XX/XX/XXXX via email if I need to pay or not with no response. After all of this then all a sudden XXXX came into the picture and never heard from XXXX again. I have sent emails and called XXXX and XXXX multiple times after the fact and once again no response. I will now attach emails I've sent and if needed more then happy to show you my call log next. When XXXX said to make the payment XX/XX/XXXX I reached out to her to clarify XX/XX/XXXX via email on what I was told initially. Like I said before I was more than happy to make that payment. Problem is why I couldn't get answers from whom I was working with and trusted at the time. Yes you may have been busy but like I said before as a customer not in your line of work I looked for help. The fact that I just emailed and called multiple times questioning if I should pay XXXX and no response and clarity is sad that you dinged my credit. Freedom Mortgage also did an escrow refund, and waived all late fees. Please sell attached in attachments. 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 explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

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 2023-03-17
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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( 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. I need the following inquiries to be deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/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 2019-05-09
Company: Direct Recovery Services, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A company by the name of DRS has been texting and calling my mother and my sister on their own personal phones, and have also called my employer and I am not allowed phone calls at my job. The text they send my mother and sister is : Important Private Notice. XXXX XXXX call XXXX or XXXX XXXX XXXX  XXXX XXXX : XXXX & XXXX. When they call and my sister & mother answer and clearly tell them that the number theyre calling is not mine and has NEVER been my number they quickly hang up and call back the next day. The most recent date of contact for my mother and sister was today XX/XX/2019 and the first date of contact was in XX/XX/2019. I called them personally back in XX/XX/2019 and told them to stop calling me at my job as I was not allowed to receive phone calls. They did eventually stop so I believe. But now theyve moved onto contacting and harassing my family members. They said threading things like they were going to send police officers to their house to arrest them for not telling me them my exact where about so they could have me arrested. And my neighbor said she saw what looked like oddly dressed police officers at my door and when I called the local and state police department they have no record of anything and swore to me no officers were ever sent out to my house, not that day not EVER. So now Im extremely concerned for the safety of myself and my family members most of whom live thousands of miles away from me. I dont even know who this company is claiming to be collecting for and they call from a VOIP number so there is no way of betting any information on them. I have 2 recorded phone numbers that they call from, which I was able to reach them on by calling one of them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation