BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: Self Financial Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, I noticed an unauthorized withdrawal of {$9.00} on my bank account to Self Lender, Inc. I have never heard of this company and have never accessed this company 's website and/or used this service. I then checked my credit reports and noticed a fraudulent account had been opened on XX/XX/2023 using my information in the amount of {$520.00}. The account showed as a personal loan with SBNASELFLNDR on my XXXX credit report, an installment loan with XXXX XXXX  on my XXXX credit report, and an installment loan with XXXX XXXX Self Lender on my XXXX credit report. I attempted to contact XXXX XXXX and was only able to get the automated message telling me to email XXXX and XXXX for issues related to fraudulent accounts and credit report issues. On XX/XX/2023, I emailed Self Lender letting them know about the issues outlined above and requesting urgent attention and a response. On XX/XX/2023, I attempted to call the bank ( XXXX XXXX  ) and spoke to an employee there who told me the only people who could help are representatives from Self Lender, and was again directed to contact Self Lender. On XX/XX/2023, I again emailed Self Lender requesting a response and urgent action. I had still not heard back from my original email. On XX/XX/2023, I emailed Self Lender again and attached a copy of the identity theft police report and FTC reports and requested urgent attention and action. I did not receive a response. On XX/XX/XXXX, I again emailed Self Lender and requested urgent action and attention. I have still not received any response and/or communication from XXXX XXXX. The fraudulent account opened in my name caused my credit score to drop at least XXXX points. Clearly, I am a victim of identity theft and I am extremely upset that this issue has not been immediately addressed and rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am in receipt of the letter dated XX/XX/2023 in response to my reinvestigation of the dispute ( s ) below. I am in disagreement with your decision. I requested you provide me the information you used to verify and validate these accounts. How can you decide if these accounts are accurate without an original contract with my signature? This account can not be validated in accordance with the Fair Debt Collections Practice Act. Also, this accounts could not be verified nor validated with XXXX, they deleted it from my credit report. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681.You have violated my consumer rights. 
According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2021-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA Federal Bank closed my bank account with any notice or any heads up. By them closing my bank account it effected my direct deposit from my job, and cause an eviction notice for me and my family. I had made some disputes because all my personal information was stolen including my SSN, and I reported the claims. But instead of USAA trying to help resolve the situation, my account was closed without any notifications or warnings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The date of service for the debt in question was on XX/XX/XXXX. Nothing was sent out as an attempt to collect this debt until late XXXX. On top of that I had no idea who this provider was because the lab that my doctor used was not authorized by me. They sent my lab work to one lab, XXXX XXXX XXXX XXXX, who then sent to a sub contractor lab, XXXX XXXX, without my authorization and ability to decide or judge any patient responsibility charges prior. When this hit my credit I called to resolve but they will only do PIF trade line which I appeal because I never authorized this to begin with. I tried to have recalled by the debt owner, XXXX XXXX, but they refused since it was " 2 years old '' even though they still own the debt in question not the collection agency. Their credit hit dropped my score almost 100 points for a {$210.00} bill from an unauthorized lab. 

The agency is XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Ph XXXX.XXXX.XXXX. Amt due XXXX from a letter 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 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
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 filing this complaint on my own behalf to address an issue concerning incorrect personal information on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

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 2023-06-29
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: Information belongs to someone else

Complaint:
Based on fair credit reporting act 609, I am requesting Experian to provide original signed documents to validate my XXXX XXXX  account which is fraudulent 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 2019-05-06
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not apply for any credit cards with TD Retail Card Service, however there's an inquiry on my XXXX credit report on XX/XX/2019 that I did not authorize. I've tried contacting TD Retail card services and they are refusing to remove the inquiry. I've also contacted XX/XX/XXXX to get help with item and they too have refused to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2020 XXXX there was a fire in my home. We filed an insurance claim and during the beginning of the claim process covid 19 started. The company that was going to be doing the restoration Completely shut down in regards to covid. Referred to another contractor. The contractor then took all information and said he would handle paperwork for mortgage company to get funds released for the job. Contractor then
forged the endorsement for the mortgage company, and deposited the check into his own chase account. 

He did not complete the work. 

In XXXX after gathering all evidence and getting affidavit of fraud from mortgage company and all other documents, the claim was filed. 

XXXX XXXX XXXX XXXX, the insurance companies bank, for the last 3 months has claimed to be waiting for chase to respond. Chase will not give out Any information to anyone other than their account holders. 

XXXX XXXX XXXX XXXX will not give me any info as they are a commercial bank and I am not their client. 

The insurance company doesn't care as they have already paid the claim in their eyes. 

The mortgage company does not care to follow up as the home is worth XXXX and the balance of mortgage is XXXX It's been more than 8 months, since filing claim. 

It has been 20 months since the home was damaged in fire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I contacted the bank on a transaction that had not yet posted in my account and stated I had money to cover the transaction when it posted and they still charged me an overdraft fee regardless it posting.

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 2019-05-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a car with XXXX and have made all of the payments and have continued to make all of the payments. At the time of XXXX, XXXX I got sick and was in the hospital and was having my throat cut for the second time. I called XXXX and advised them that my payment would be at the end of the month, and that my son, was making one also, and that I would be making another through the XXXX check. Sometime at the end of XXXX, XXXX after making all three of these payments and working with them they sent a man out in a truck and he advised that he was there to talk to us about the car. My husband told him there was nothing to talk about because I had worked it all out with XXXX and that I would be back in a few days and would be about to talk and explain it to them. He said that he was not talking to XXXX or us but that we needed to call them. My husband and my son went down to the lot of the place where he came from the next morning and explained it to his boss and they called XXXX and they advised that they had spoken to the supervisor and found my notes and everything was back on track going to be okay. I have consistently made payments to XXXX through my debit card or through XXXX XXXX or XXXX XXXX  and since XXXX, XXXX they have been on time and not late and even before then we were on time and maybe late once or twice. XXXX went back into my credit report sometimes after XXXX, XXXX and placed that this car has been repossessed. This car has never left my possession and it has never been repossessed. When i called and questioned it on my statement they credited back {$50.00} as a late fee because they said that is all they could process it as because it had been added to the end of the loan. I will pay this car off at the end of this year and it has full coverage insurance and XXXX miles on it and it again has never left my possession.

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 2023-09-24
Company: EQUIFAX, 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.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: PA
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 a victim of identity theft and on XX/XX/2022, I submitted a letter to all 3 credit reporting agencies Experian, XXXX and XXXX disputing a XXXX account that was opened fraudulently. I sent a letter requesting that the credit reporting agencies investigate this matter along with my police report, my FTC report and verification identification. XXXX deleted the account as well as Experian and XXXX. Experian and XXXX proceeded to put the account back on my credit after the deletion. I contacted both and asked how did they decided to add this fraudulent account back on my credit profile, and I was told " because the creditor state that it was mine '' and that the creditor did not have to submit any verification documentation. This is unfair, because the credit bureaus have a vested interest, they are paid by the creditors to report information, therefore, the creditors can say and report anything. 

Please investigate and remove the fraudulent account from my credit profile. I have attached my supporting documentation. 

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 non-monetary relief
Consumer complaint received 2021-06-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Please see XXXX, reopening. HSBC has not provided explanation on why incorrect 1099-C code was inputted on form. HSBCs response to see previous correspondence from them is insufficient as the code should be A for bankruptcy and they have never provided any explanation on why the incorrect reporting codes were used. This card was cancelled and closed due to a bankruptcy filing.

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 2020-02-09
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Sunrise Credit Services by letter in regards to a debt to XXXX XXXX XXXX I called as soon as I received the letter to dispute and was told to submit an email to that effect and I did a few days latter. In the letter I informed them that this was the second time I received a notice about a debt and that I did not owe it and updated my address and included my phone number in a letter dated XX/XX/2020. 
I assumed that they contacted XXXX XXXX XXXX and discovered what I had told them was correct because I returned the phone to them during my free look period after only having the phone about 10 days. The phone was returned because of poor reception in my area. Since my email I have not received any more letters or any phone calls. Nor did i receive verification of the debt. I received a message that my credit rating was dropped and inquired to find out Sunrise had reported it to my credit report as a collection. Causing a stain on my perfected credit rating.

I ask that the collection be removed from my record and to be sent verification of the debt. I now have a different phone and my carrier is XXXX XXXX XXXX I believe they would have told me about this bill before allowing me to get service with them. 
I contacted XXXX XXXX XXXX and was not told that there was no balance due.

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 2023-09-25
Company: EQUIFAX, INC.
State: TX
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:
My name is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The Listed of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According t

o 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2022 I sent a letter to Experian requesting the remove of the old late payments from an account. According to 15 USC.1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The FAIR CREDIT REPORTING ACT 15 USC.1681a ( 2 ) ( a ) ( i ) also states Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include- Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian said this information was verified and they did not remove it 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