BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: MD
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 would like the fraud alert associated with my credit across XXXX, Experian, 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 2022-10-31
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 15 U.S Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S Code 1681c ( a ) ( 5 ) : 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 antecedent the report by more than seven years.

15 U.S Code 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 2023-05-22
Company: Prince Parker & Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was hacked on multiple occasions In XX/XX/XXXX my phone was turned off & I was advised this was an internal issue In XXXX & XXXX I was hacked again & money taken from my account. The first time a dispute was filed & account repaired. In XXXX I was advised I would be held responsible for fraudulent activity, in both instance of Fruad. 

I did not request or receive the merchandise the company was immediately made aware. Multiple fraud inquiries improperly handled & without proof or validity Please reference Fraud Inquiry request and assigned XXXX XXXX Inquiry request and assigned XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I have the following several credit inquiries that were not authorized by myself. 

XX/XX/XXXX - XXXX attempted to access my credit report without my consent. Spoke with XXXX XXXX XXXX, a credit freeze and fraud alert was recommended. 

XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX ( CREDCO ) pulled my credit report multiple days. I only authorized my credit pull on XX/XX/XXXX. 

XX/XX/XXXX - XXXX XXXX XXXX ( CREDCO ) pulled my credit report without my consent. 

XX/XX/XXXX - XXXX XXXX  ( XXXX XXXX ) pulled my credit report without my consent. I only authorized a report dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-10
Company: Experian Information Solutions Inc.
State: MD
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX someone Zelles themselves {$250.00} from my account to theirs. Promises to provide services to me because their intent was to add their information only not send the money to their account. 
XXXX services still not provided. Owner says just call your bank and say I never gave you the services & you will get your money back. Dont tell them I sent the money to myself or my business account will be flagged. I call Chase Bank they say they can not file a dispute because I did not receive services. 
XXXX contact chase bank to let them know this person sent the funds to themselves and promised services but I never received them and person is refusing to send a refund. Chase says they can not reverse transaction because I have phone to person. I only have phone to person to enter their XXXX info because they said it changed I never agreed to pay for services before hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around late XXXX, early XX/XX/XXXX, Credit Collection Services XXXX CCS ] ) was contacted at XXXX as a response of 50 % settlement reduction offer. At this point, CCS has been servicing two files for XXXX XXXX well over a year. I used to receive monthly Letters for each of these files, however, one of the files had my First name spelled incorrectly, XXXX, instead of XXXX. During the call the representative stated that settlement was only applicable to the XXXX XXXX with the balance of around {$160.00}. After a lot of back and forth, it was agreed that the settlement reduction offer will apply on both files. The balance on File 1 was around {$160.00}, file 2 balance was a little over {$500.00}. The Payment was taken over the phone and two transactions from CCS were deducted from my bank account, which was well over {$300.00}. Phone calls, and text messages has stooped since that payment, and a boost on my credit score was noticed. However, around late XXXX, I received an Alert from XXXX XXXX indicating that my collection balance has gone up. Then, on XX/XX/XXXX I began receiving text messages from CCS pertaining to reference XXXX, which belongs to the XXXX XXXX file settled over the summer. The balance is, again, over {$500.00}. CCS was contacted today, XX/XX/XXXX, however, an amicable conversation was impossible. Even though I explained in detail that this particular file, and a second one from XXXX XXXX was already taking care of, the representative did not acknowledge or research this. Instead, he stated that the have not heard from me since XX/XX/XXXX and that there was only one XXXX insurance file taking care of, valued at {$160.00}. Dealing with this company is quite challenging, and based on the representative behavior, this balance was owed, period. I find it interesting that since this file resurfaced, I have not received a physical statement from CCS. Besides todays call, text has been the only method of communication. From CCS. Please help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-11-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent accounts in my file ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I disputed accounts on my credit report with TransUnion and they updated the information as verified without explaining how and what information was just for the accounts to be verified, when the accounts are not really verified. 

RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. 

I have never had any accounts with the company that the accounts is with on my credit 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: U.S. Auto Sales 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: Public record information inaccurate

Complaint:
I had an auto loan with USAauto I was paying on time. I filed XXXX  BUT DID NOT invluse the vehicle. After filing I continued making my payments. The car was totaled in 2021 and paid off by the insurance company. USAauto reported the car was XXXX via XXXX and this not correct. I disputed this on my credit report and it still remains there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX, my mortgage loan was bought by M & T.l In XXXX I discovered they never pay my home insurance from escrow because I received a bill from the home insurance company. This is because M & T assigned me their insurance at an higher rate. In XX/XX/XXXX M & T increased my monthly payment from {$2200.00} to {$3500.00}. This was due to an shortage in my escrow. After struggling to make XXXX and XXXX mortgage I reached out to M & T for explanation as to why such a large storage. At first they claimed that my tax rates went up only by a few dollars not thousands. Then they stated there was an lean on my property. This was false. Then there was an outstanding water bill. I reach out to my water company also the county tax departments. There were no proof of any outstanding bill from the water or tax company. Today, XXXX of XXXX M & T continues to force me to pay an extra XXXX more on my monthly mortgage. I was serve with pre foreclosure papers.

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 monetary relief
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-27
Company: EQUIFAX, INC.
State: TX
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 items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, 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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
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:
According to the credit report which is provided by Experian Bureau, there is an incorrect account under my name. This account was opened in XX/XX/XXXX, and there were 3 delinquencies in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I'm an XXXX. My XXXX application was approved in XX/XX/XXXX. Then I moved to America on XX/XX/XXXX. One week later I received my social security number. So when the account was open, I didn't have a SSN, a VISA, and havd never been to America. Apparently, it is impossible that I opened an account and had delinquencies one year before I XXXX to America. That account doesn't belong to me. I disputed to Experian Bureau twice but the result was that the information was verified accurate. I'll provide a picture of my XXXX VISA, with the entry stamp showing that the first date I came to America, and the social security number with the issued date on 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 2022-10-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Our loan was transferred to Carrington Mortgage Services in XXXX. Our payment amount was made in the correct amount of {$2700.00}. On time for months. Company has been reporting us late since they took it over in XXXX saying that we didnt pay enough money ( even though it was the exact amount on the statement ) so they didnt apply the amount until we payed our mortgage the next month and so on. Company will not fix it claiming our payment has always been {$290000.00}, even thought we have statements from them showing {$2700.00}.

Company response to consumer: Closed with explanation