BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: AL
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 checked my personal credit report, which I acquired from your Experian on XX/XX/XXXX and I noticed that these unauthorized inquiries had been made : 1. XXXX/XXXX XXXX- inquiry date XXXX 2. XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX 3. XXXX  XXXX- inquiry date XX/XX/XXXX 4. XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX XXXX- inquiry date XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXXXXXX,XX/XX/XXXX 6.  XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, 7. XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 8. XXXX XXXX XXXX- inquiry date XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, 9. XXXX XXXX- inquiry date XX/XX/XXXX 10. XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 11. XXXX XXXX inquiry date XX/XX/XXXX 12.  XXXX/XXXX  inquiry date XX/XX/XXXX 13. XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 14. XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 15. XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 16.  XXXX/XXXX/XXXX XXXX  inquiry date XX/XX/XXXX 17.  XXXX XXXX XXXX inquiry date XX/XX/XXXX 18. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 19. XXXX XXXX XXXX inquiry date XX/XX/XXXX 20. XXXX XXXX inquiry date XX/XX/XXXX, 21. XXXX XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 22. XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX I contacted ALL creditors listed, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance.

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 2023-02-03
Company: Oklahoma Student Loan Authority
State: AL
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:
The XXXX XXXX XXXX XXXX XXXX XXXX reported my student loan as delinquent As of XX/XX/XXXX. My loans are still suspended due to the loan forgiveness program. My payment does not show that it is due until XX/XX/XXXX on my account online. This made my credit score drop XXXX points.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2019-09-19
Company: Radius Global Solutions 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: Information belongs to someone else

Complaint:
On XXXX XXXX, a company named Radius Global Solution placed an account under collection on my credit report. The company failed to properly verified the debt or abide by the FDCPA. This account does not belong to me or I lack enough info to claim ownership of the account. For then underlying reasons, I would like the company to remove the account from my report and contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I'm a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 

Fraud has been committed on my consumer report, which violates the Fair Credit Reporting Act ( F.C.R.A ) and Fair Debt Collection Practices Act ( F.D.C.P.A ). Portfolio Recovery Assoc. is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR THE ACTUAL ACCOUNTING : REGARDING LIST OF COLLATERALOR STATEMENT OF ACCOUNT IN REFERENCE TO U.CXXXXC 9-210. 

This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by Portfolio Recovery Assoc..

Please be advised that providing a memorandum or other statement from your agency, stating that Portfolio Recovery Assoc. has the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: U.S. BANCORP
State: CA
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:
This account was paid and closed. According to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately due to age and fraudulent activity

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 2022-08-11
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:
I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. I have contacted each creditor which they failed to provide me with any original signed documentation, by me, stating that I entered into a contract or owe any debt to these creditors. The credit bureaus are violation the FCRA LAW CODE 609A AND WELL AS SECTION 605B. Information that does not belong to a consumer, must be removed within 4 business days of receipt of this information. I have contacted my attorney, who will be in contact with you in case there is not a timely manner and this matter is handled correctly. The following information does not belong to me, and i am requesting under federal law and well as the Uniform Commercial Code, that this information is PERMANENTLY DELTED. 

XXXX XXXX XXXXXXXX {$330.00}, XXXX # XXXX {$560.00}, XXXX # XXXX $ {$740.00}, XXXX XXXX  XXXX XXXX {$670.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX  XXXX XXXX {$560.00}, XXXX XXXX # XXXX {$500.00}, XXXX  # XXXX {$2200.00}, XXXX  # XXXX $ {$0.00} XXXX XXXX XXXX  # XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX  # XXXX {$610.00}, XXXX XXXX XXXX # XXXX {$370.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXXXXXX XXXX # XXXX {$0.00}. 
FAILURE TO COMPLY WITH REQUEST WILL RESULT IN A LAW SUITE THAT WILL INCLUDE ANY AGENCY REPORTING NEGATIVE INFORMATION TO 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 explanation
Consumer complaint received 2023-02-03
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:
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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-04-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX Select Portfolio Services ( SPS ) and ( SPS ) thru XXXX, XXXXXXXX XXXX  and possibly XXXX  are buring me in mortgage processing payment increases year after year..I paid their ridiculous amount, now think being transfered to SLS, XXXX XXXX reporting updates untrue/crashing credit so can not refinance and XXXX never gave me a contract and wrote a fake cancelation but telling new company my contract expired likely to get me back into courtexpired ... its not even XXXX, its another Portfolio scheme..It is a XXXX loan from XXXX and owe XXXX its just crazy ... I had to call to find out was cancelled..total mismanagement... .I 've been getting a flurry of letters thst look like same software SPS uses saying been a data breach..Crazy as XXXX ... SPS is a XXXX XXXXXXXX ... I paid XXXX payment on time and saying late, I closed account out but still open..my limit was XXXX but then shoes paid XXXX then said my limit was XXXX so can reduce to XXXX its a total collision within the kind of mortgage it was before SPS took it over ... XXXX by far the worse..to say cancelled any check on way with no notice, no check and then expired XXXX and was never a policy anyway. All XXXX..hocus pocus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Monterey Financial Services LLC
State: MD
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:
Monterey Collection is handling an account that I had with XXXX. I do have a balance with XXXX but not the balance they are reporting. Also, they are reporting the wrong account open date. I have disputed this information with the three major credit bureaus and with Monterey Collection and they have not fixed it to this day. I would like for them to show correct documents of when I open this account or remove it from my report. When I open the account it was in XXXX. They are saying I open it in XXXX. They are reporting incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, 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:
one account name XXXX XXXX XXXX started reporting on my equifax credit file, and i began disputing because does not belong to me, it is a fraud account opened with out my knowledge, i have disputed this inaccuracy with equifax many times but they have been ignoring my request and not been able to resolve this issue, which is very much stressful. 
please help me to have this inaccurate and fraud account removed from my equifax credit reporting agency, and since i had been a victim of ID theft therefore, i have a police report and FTC report filed, please fin attached thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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 interested in disputing all incorrect information on my credit report with Equifax. please delete all incorrect information asap to update my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I attempted to close my saving account with Wells Fargo Bank and they said that they could transfer the fund to my checking but that they may or may not charge a maintenance fee while the transfer is pending and advised that the only way to ensure that they wouldn't overdraft the account ( that I'm trying to close ) would be to add more funds. Which is ridiculous. I asked if I could go to a branch to withdraw the funds to close the account and their customer service advised that they could not guarantee that the branch would close the account. I requested that maybe a supervisor come on the line and the customer service agent hung up on me. I attempted to call back and I was unable to get through to another customer service agent.

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 2019-06-18
Company: EQUIFAX, INC.
State: MO
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:
the following accounts have been disputed on these dates for this reason : XXXX, XXXX, Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX BANK # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX Bankruptcy Court # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
First communication made with rep on XX/XX/19 the first representative I spoke to hung up on me before allowing me to give her new information. Second communication on the same day I was hung up on by the supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ny XXXX Date Of Sale : XX/XX/XXXX Westlake Financial Acct # : XXXX Westlake Customer Care XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Attn : Executive Offices Mr. XXXX & Mr XXXX Thank you for all your assistance in this matter. Please consider this letter to be the first attempt to rectify the credibility of the sale of the XXXX XXXX XXXX XXXX taking place Tuesday, XX/XX/XXXX. 

The Current status of the loan is repossession, Due to a payment error. Westlake Financial states that funds were not received in a timely manner, although I authorized payment. I am not experiencing any curtailment of income to cause a discrepancy of this sort. ( MISSING PAYMENT ). Please review to reconsider the details of this matter. 

On XX/XX/XXXX during a phone call wirth Westlake Financial, I authorized payment via customer solutions inbound by providing my card information. However, my bank never received a request for that payment. After speaking with a Westlake representative a second time they verified on XX/XX/XXXX. I noticed the balance in my account had not decreased. The rep informed me of the current status of my delinquent payment. Although they verified I previously spoke with them, they had no explanation as to why the payment was never processed. I reauthorized and reprocessed the payment. To never deal with this confusion again. Automatic payments are set in place to assure future on time payments.. If the payment was processed by Westlake during that phone call, the payment would have been 6 days late, not 10. As per your contract it states if the first payment is late, there would be a 10 day grace period for submission along with a late fee. 

Please consider carefully reviewing and exhausting all efforts to rectify this account. As this seems to not be the best car buying experience. I trust that your team is dedicated to servicing your clients. Looking forward to a formal follow up. 
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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Improper Use Of My Consumer Report. 
Do Not Have Consent To Have Or Use My Information.

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 2023-05-18
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is the Third time I have had to deal with this debt collection company over medical bills. This company refuses to send me a written account of anything I May owe, so I could check with Medicare and verify correctly. Every time I call and remind them of this being against debt collection customer laws etc, all I get is Attitude from reps with no intent of fixing anything. I am thru trying to work with them, and as of this very moment my credit score has dropped XXXX point over accounts I were not even aware of. I was a XXXX patient at the XXXX XXXXXXXX, and was paying my deductibles and co-pays along the way working with my XXXX XXXX Medicare provider to keep account of bills I might owe, so this is totally against rules. I have not seen ANY bill statements from this debt collector as of today, and as far as I know all bills could be less than XXXX XXXX and therefore not qualify for reporting per New Reporting laws this year!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refi my mortgage with a cash out in XX/XX/2020 to pay off a loan that was assessed through my county taxes, which should have reduced my county property tax bill from {$6500.00} to {$4300.00}. XXXX/TMS ( The Money Source ) would not adjust my escrow since they could not verify my information as fact. Fast forward to XX/XX/2020, TMS did not pay my tax bill when it was first available. They claim even though they were collecting escrow to pay my insurance, my account was not set up for escrow to pay my county taxes and therefor my taxes were paid late. Thankfully they paid the penalty. However the XXXX they now issued is showing that over {$8700.00} was issued to the county, essentially paying my tax bill twice and now claiming that I owe them money due to a shortage in my escrow account when in reality they need to recover funds back from the county, issue a credit/refund, and correct my escrow shortage.

Company response to consumer: Closed with explanation