BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: Experian Information Solutions 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, EXPERIAN BUSINESS CRED add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per Experian. 

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 2022-11-26
Company: Experian Information Solutions 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:
ACCOUNT # XXXX XXXXXXXX XXXX gave a payoff estimate to the buyer ' s of my home. Payoff amount as provided, was wired to XXXX XXXX  and sale closed. I moved out of property because buyer ' s were investors and required that I move out immediately. XXXXXXXX XXXX then realized that they made a mistake with the payoff estimate that they provided. They claimed that there was a shortfall of about {$2000.00}. 

XXXXXXXX XXXX started to report that as late payments on my credit report for all the months that they were trying to resolve this issue with buyer. Eventually, it was resolved, and extra payment was wired to XXXX XXXX. 

The multiple late payments which was not my fault has made it impossible for me to get a mortgage for another home. I have spoken to XXXX XXXX about this severally, but they have done nothing. 

Also, the mortgage loan is still showing as open and having a balance when in actual fact, the mortgage is fully paid and closed. Please help me sir/madam.

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 2020-10-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$10000.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.

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 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I put a fraud alert or freeze so no one can access my file. Yet I have inquiries listed that are not mine. I called those companies and they have no information of my identity on file. I want these credit inquiries remove. They are not correct. I can not access my credit file either. I have to go through credit karma. I should be able to access my credit file at any time. 


I want these inquiries removed as I didnt apply to any. 

XXXX/XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + Utilities & Fuel XXXX/XXXX   Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  Card Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Bank XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX   XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Receivables Management Corporation of America
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked for them to verify @ RMC of America which they could not provide 100 % accurate information or validate that the debt was mine. In return I was informed that she could not validate that the debt was mine because the original creditor was no longer in business.

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 2020-05-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted to have a fraud alert removed from my credit file. I have never requested a fraud alert to be placed on my file and my constant requests for the removal have not been addressed. I have made several attempts and there is no live contact with Experian. I submitted the request in writing and the alert has still not been removed. I attempted to submit the request online but the system shuts me out and gives me an error message.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 TransUnion, XXXX, and XXXX have refused to remove this account after submitting an identity theft report from FTC. TransUnion, XXXX, and XXXX has not furnished any documents for account validation after multiple requests. 

Account number reflects inaccuracy across TransUnion, XXXX, and XXXX Date Opened reflects inaccuracy across TransUnion, XXXX, and XXXX XXXX XXXX reflects inaccuracy across TransUnion, XXXX, and XXXX XXXX XXXX reflects inaccuracy across TransUnion, XXXX, and XXXX Date Last Active reflects inaccuracy across TransUnion, XXXX, and XXXX Date of Last Payment reflects inaccuracy across TransUnion, XXXX, and 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 2023-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is filed against XXXX, Experian, and XXXX for improperly reporting incorrect and invalid information from a account called XXXX XXXX XXXX XXXX XXXX Disputes were filed with all 3 bureaus and deem verified or correct. No other disputes are pending. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be verified. Said errors or violations are as follows : 1. Both XXXX and XXXX are currently reporting this account as a open account under account status on both reports. This is a closed account placed in collections and sold to a collection agency. This account is not open and can not be viewed as open. 2. On all three different credit reports, all 3 reports a different date of last activity. XXXX reports XXXX. Experian reports XXXX. XXXX reports XXXX. All differ and is impossible to verify all as correct. XXXX of last payment is also missing from all 3 bureau reports. 4. XXXX reports on report under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. It's either or. 5. XXXX reports that account is disputed under Creditor 's Remarks. No disputed exist or are pending. Once dispute is over XXXX was obligated to remove all codes and remarks about disputes from report but failed to do so. 6. Experian reports on its report under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. Experian also reports account disputed under Creditor 's Remarks. Once my dispute was final or concluded Experian was legally obligated to remove all codes and remarks about disputes from that account report but has failed to do so. This is mandatory! 8. XXXX also reports that the account is disputed under Creditor 's Remarks and even though no dispute exist or is pending, they have also failed to remove all codes and remarks about disputes from the account which violates the FCRA. 9. Finally, on all three reports under late payment history both XXXX and Experian show XXXX 90 days late. Contrary, XXXX shows 1 90 days late. Which is it.

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 2021-02-16
Company: CRESCO CAPITAL 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:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CRESCO CAPITAL Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: TN
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 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've been having very frequent card decline errors using my debit card when there's more than sufficient funds. Often I get a text fraud alert and I enter the required information ( press XXXX  ) to release the fraud block. This doesn't normally resolve the problem and I don't get to release the card without a lengthy call with Citibank. This is happening way too often and makes it nearly impossible to use my card in a store knowing there's little confidence a transaction gets processed. I've called and pleaded with Citibank several times to help resolve and despite telling me they're escalating the problem was never resolved. This includes telling me there's an issue with my card and issue me a new one. This never resolved 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 2023-04-19
Company: Nelnet, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
From XX/XX/2023 to present Representatives from Nelnet , Inc. keep calling me XXXX to XXXX  times a day harassing me. I told them that I wanted them to cease and desist from calling me and to send all correspondence via email or mail. They disregarded my rights and continue to call. On XX/XX/2023 I sent a negoitable instrument to Nelnet Inc. to settle the student loan debt that claimed I owed them. Then on XX/XX/2023 I receive a letter in the mail from XXXX XXXX XXXX XXXX XXXX stating that Nelent , Inc. informed them that I was seriously delinquent on my student loans and I will be in default. The letter stated that my account will be turned over to the federal government for collection which could result in : XXXX of tax refund, wage garnishment, loss of federal student loan benefits and my account is being reported to the national credit bureaus which is damaging my credit score and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 and 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2018-04-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am being forced to file this Complaint because Select Portfolio Servicing , Inc., hereinafter referred to as SPS, refuses to abide by the Fair Debt Collection Practices Act, hereinafter referred to as the FDCPA and the California XXXX Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. I took out a loan with XXXX XXXX XXXX on XX/XX/XXXX. Due a financial hardship in XX/XX/XXXX, I fell behind in my scheduled monthly payments. The last time I made a payment on this consumer debt obligation was XX/XX/XXXX. The debt obligation is currently contractually due for the XX/XX/XXXX payment. In XX/XX/XXXX, it is purported that XXXX XXXX As Trustee of the XXXX Trust was assigned the beneficial interest under my Deed of Trust and not the Promissory Note. At the time of this purported transfer, the debt was contractually due for the XX/XX/XXXX payment. SPS purportedly acquired the mortgage servicing of this debt obligation effective XX/XX/XXXX. Pursuant to the FDCPA and the RFDCPA, SPS and XXXX XXXX as Trustee are " debt collectors '' and not " creditors ''. They are threatening and attempting to proceed with a nonjudicial action to dispossess me from my home without the legal right or authority to do so. Despite numerous attempts, they have failed to validate the debt and have failed to provide me with any documentation to demonstrate they have the legal ability to attempt to collect the debt, collect the debt, or enforce the power of sale contained in the deed of trust. Although I have taken legal action against them, they have not stopped their collection and enforcement activities. I am filing this Complaint to make the CFPB aware of their wrongful and illegal actions. The California Supreme Court has confirmed that a borrower is not entitled to pay an entity that is without the legal right and authority to collect and is enforce. In California only a creditor, or an agent of the creditor, may attempt to collect a debt or collect a debt and/or initiate and complete a foreclosure action. Falsely representing that the foreclosure documents are legal process is prohibited and misleading and is in violation of California Civil Code 1788.16. SPS and XXXX XXXX are engaging in acts that are causing substantial harm not only to me but to California consumers and taxpayers. Immediate action must be taken to stop them from engaging in unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding federal and state laws they are mandated to abide by.

Company response to consumer: Closed with explanation