BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently acquired an new credit report from Transunion and came across several credit inquiries not authorized by myself. Initially, I thought I had a fraud alert on my account. I'm guessing that with a fraud alert, Transunion still openly shares credit files with any and all people. THIS IS KINDA JACKED UP. I have not applied for credit in over 2 years. Explain how these inquiries are on my report.

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 2023-03-04
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

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. 

Account name : CREDENCE RESOURCE MANAGEMENT Account name : XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had current insurance coverage with XXXX XXXX XXXX XXXX. I contacted the insurance company at the time and was informed that the medical charge would be covered. I contacted the provider when the account went into collections and then contacted IC system to resolve the matter and provided information but was told nothing could be done. This collection is affecting me financially as it is the only negative derogatory marks on my credit report and is impacting the possibility of me obtaining any type of loads at a rate that would be considered average.

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 2023-09-19
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am currently in a divorce and have a permanent protection order from my spouse. This company has repeatedly sent people to our home to " inspect '' property that is apparently theirs now, meaning my home. They've ceaselessly called all hours of the day and past XXXX XXXX and they've now begun leaving threatening papers at our home nearly every day. There must be a law that protects XXXX XXXXXXXX victims and their families from these types of interactions during an already stressful and dangerous period for us. These people can be the catalyst to causing me or my family harm. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not a joke and this is not okay. These people have been told repeatedly what is going on and still they do not stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.

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 2020-01-28
Company: EQUIFAX, INC.
State: IL
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:
Calling into Equifax customer service at XXXX I used rhe callback function and was called back by an auto dialer where I spoke with a representative XXXX  number XXXX. The representative refused to validate my account and also to transfer me to his supervisor. A supervisor by the name of XXXX came onto the three way call and he disconnected her from the line then put me back on hold on a call going on twenty minutes. He refused to tell me his name so I am considering this a complete breach and FRAUD. I was told by supervisor XXXX when she came on his name was XXXX. He tried to allege that I would have to mail some documents in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 non-monetary relief
Consumer complaint received 2023-12-07
Company: BMW Financial Services NA, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
You are in Direct Violation of the Fair Credit Reporting Act - XXXX XXXX XXXX XXXXXXXX and BMW Financial Services has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of serveral laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last XXXX I booked a first class flight through American Express Travel. This was an XXXX XXXX flight from XXXX  to XXXX  XXXX from XX/XX/XXXX through XX/XX/XXXX for a value of {$1000.00}. I unfortunately was injured and was in the hospital for an entire month and was still too unhealthy to travel at the time of the flight and cancelled the flight fir a credit. This XXXX, the flight was set to expire and I was still unable to fly. Per the advice of American Express, I got XXXX XXXX XXXX and submitted to XXXX XXXX for either an extension or refund. I called American Express for status and a voicemail was left on my phone that I would receive a refund ( attached ). This refund never came through and after XXXX weeks of review, American Express denied the claim. I did not use the credit because the voicemail advised that I was to receive a refund and lost the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I repeatedly asked that XXXX XXXX XXXX XXXX not contact me at work or during working hours, XXXX XXXX at XXXX has continued to call me during working hours and not after and now is calling my office phone even after I have repeatedly asked her that is unacceptable. her tactics are nothing more than aggressive! Can you help me make her stop this aggressive behavior? 

Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: WELLS FARGO & COMPANY
State: VA
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 cosigned a car loan for my step son several years ago with Wells Fargo Dealer Services. He new he was about to pay it off back in XXXX of XXXX. He called Wells Fargo and got the pay off. It was a phone call so nothing in writing. He then had them take out of his account the amount he owed. In XXXX of XXXX I went to apply for a loan to buy a house. The banker told me I had a 90 day late mark from Wells Fargo on my credit report. I of course said no way that it was paid off. It showed {$2.00} was still owed. I did not receive a phone call or a letter telling me we still owed. So Well Fargo just kept turning it in to my credit report as late for three months. Once we knew about it my step son went to Wells Fargo in early XXXX to pay it off plus late fees. I called them to try to get fixed and they refused to do anything for me. They gave me a fax # to fax my dispute. I was not ever able to talk to anyone. I finally after about 5 weeks received a letter in the mail say that they would not fix it for me. Still cant get anyone to talk to me. I sent three fax, a certified letter and an Email. I am very upset as I am trying to build my credit and trying to buy a house and they don't seem to care. The thing that is crazy is after my step son paid off what he was told was the pay off he received a refund for over payment in the mail, so where did the {$2.00} come from if he received a refund.

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 2021-05-07
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been getting charged cash advance fees for purchases made using my credit card. I contacted them and asked them why I am suddenly being charged a $ XXXX montlly fee for cash advances when I have made no cash advances from my credit card. They told me to contact the party i made the purchase from. I don't see how that will help as they are not the one charging me the fee. That party also said to talk to CitiBank about it. No one is stepping up here to correct this, they just want to point the finger at each other.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: KY
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 XXXX Account # 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 an 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 2023-01-08
Company: WELLS FARGO & COMPANY
State: NJ
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:
My XXXX and XXXX shows that I have a missed payment from my Wells Fargo Credit Card ending in XXXX which is inaccurate. I never missed a payment. Wells Fargo agreed to fix the problem but it has yet to be fixed with the credit reporting agencies. I am very upset. This has been going on for XXXX months.

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 2023-02-07
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XX/XX/2021.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: NJ
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how Experian violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail today, XX/XX/XXXX, saying I owe {$3600.00} to XXXX XXXX XXXXXXXX XXXX for an unpaid lease from Fair Collections and Outsourcing. I have never lived at this address/ neighborhood, nor do I even know what or where it is. This debt is being falsely accredited to me and must be removed effective immediately. I DO NOT OWE A DEBT TO ANYBODY OR ANY COMPANY. If this debt is not stricken and removed from my name effective immediately, I will be pursuing legal recourse against this company for fraudulent activities.

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 2023-09-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
You're violating my consumer rights. Its evident that you've violated my cease and desist order! You do not have permissible purpose to furnish anything in reference to me to the consumer reporting agencies without my consent. Im demanding you to cease communication with me through all mediums, including consumer reporting agencies! Pursuant to 15 USC 1692c ( b ), you did not have my prior consent to communicate with any third party, in connection with the collection of any debt, with any person other than the me! You're damaging my reputation with these unfair and deceptive practices along with affecting my credit worthiness with this unauthorized reporting. Failure to comply with force me to exercise my consumer rights against this organization!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
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: 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. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on 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 2020-05-08
Company: Bread Financial 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: Was not notified of investigation status or results

Complaint:
This account was paid in full. Company offered to be removed. This account has not yet been removed

Company response to consumer: Closed with explanation