BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: ID
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 paid this account of on XX/XX/2023 and the company XXXX XXXX XXXX XXXX and XXXX XXXX  was to report it two the three credit agencies but has not.

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 2020-02-04
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I'll sue for the following if not removed. 


1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2023-03-16
Company: Experian Information Solutions Inc.
State: OH
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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-03-16
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THERE IS A NON AGREED UPON AMOUNT CHARGED TO ME BUT NEVER SUBSTANTIATED IN THE BEGINNING. 
VALIDITY OF DEBT IN QUESTION WHAT IS THE FEE FOR?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX and I sold our home in XXXX of XXXX, and moved out of state. We cancelled our security service with XXXXXXXX XXXX at that time, which was an ordeal, because my XXXX tried XXXX  times to call and set a cancellation date, but they wouldn't complete it without me on the line. We finally managed to find time to call to cancel it about a XXXX  after we moved and sold the home ( about XXXX XXXX ) while we were in the car. The XXXX representative placed the account on hold during the prior call my XXXX  made to them between XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), I received a collection notice from XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX ) I received XXXX bills ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) which had been bouncing around the postal system 's mail forwarding system from XXXX regarding XXXX unknown account at our old address. Apparently, they bought XXXX sometime around the time of our sale, and our account wasn't cancelled, or was reopened in ADTs system. Since this was brought to my attention XXXXXXXX XXXX XXXX I have attempted to contact XXXX about this, and have been told there is nothing they can do about it, since they referred it to a collection agency. The collection agency has been contacted and has received copies of the closing details, but since they don't have records about the origin of the debt, they don't know whether they'll be able to do anything about this or not. 

In the meantime, while I wait on hold endlessly on the XXXX phone system for the XXXX XXXX in a row, I am writing a complaint, because this is something that could have easily been avoided, and if they could take the time to admit their mistake and correct it would not be wasting days of my time trying to deal with it, assuming that I am even able to deal with it, since everyone has already washed their hands of it. XXXX XXXX and XXXX did a poor job of handling their own records, and XXXX is trying to make me pay for a bill for services they never rendered to me, at an address that I do not own, under an account that I never authorized.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I found out I have charges from XXXX but I have no idea where it came from

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 2023-04-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I did not provide any company reporting with consent to share my credit card ( ID, SSN, etc ) with another entity ( this credit reporting agency ) this is a violation of 15 U.S. Code 1681s-2. This credit reporting agency is negligently and inaccurately reporting and is not complying with 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: U.S. BANCORP
State: MI
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:
Company my dispute is with is US Bank. In XX/XX/XXXX I spoke with US bank and let them know that my wife and I had recently had our daughter, and that I was running behind on that payment due to my wife being XXXX and out of work. Anticipating the labor and delivery costs and temporary loss of income I proactively wanted to resolve this as soon as possible. I have never missed any payments on anything in the 12 years my credit has been established, I also never missed a payment on my previous mortgage. I was told that the XX/XX/XXXX payment would be marked late and that I would be in a payment arrangement starting the next month in which, as long as I made the payment arrangement amount, nothing would adversely impact my credit or show late on my credit except for the XX/XX/XXXX payment. I accepted the one late payment, and proceeded to make every payment arrangement payment on time. I called in frequently as records should indicate, and constantly reached out to make sure that everything was good on my mortgageand every time I was told that I was good and to continue making payments. Following the advice that I was given, I still was marked late for many months on my credit report. If I had known my credit would be impacted this much, I never ever would have entered into a payment arrangement and instead made a double payment after my month of hardship to bring me current. Never would I allow my credit report to be marked late that many times if I had any indication. I have spoken to many different customer service representatives, today a conversation lasting around 58 minutes to assist in resolving this issue.l and was hung upon when they couldnt give me an answer. I feel that I have gotten the run around ... Ive called at least 20 times, even with assistance from another mortgage professional ... and still..no one has helped me. Ive been hung up on and treated very poorly. Ive put in a dispute with US Banks default reporting department, sent an email and at least 4 faxes to their credit reporting department, as well as filing disputes with all 3 credit bureaus. The loan has been paid in full as of 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 2023-02-06
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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: Personal information incorrect

Complaint:
The addresse on credit report is not correct. As proof of the address I uploaded XXXX bill which contain my real address.

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 2023-03-16
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:
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 : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-02-06
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, My PSLF application was submitted to MOHELA on XX/XX/XXXXXXXX. It was confirmed receipt by MOHELA reps on two separate phone calls and the fax confirmation as well. The first call the representative confirmed receipt and said the log in information would be mailed within 90 days of XXXX/XXXXXXXX 

On the third phone call in XX/XX/XXXXXXXX  it was simply stated there is no timeline to even receive a log in to check on the status of processing. XXXX XXXX, my current loan servicer, confirmed nothing has been received from MOHELA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a account as of XX/XX/18 on XX/XX/18 I could not access my account ..blocked I called an was told no supperviser they would contact me I provide .my new number ... then next day I call arounf XXXX an was told there was an problem with tec support ..so again no supperviser on floor I leave my number once again ..next day I call around XXXX an explain noone has returned my calls in two days ..I was told because the person I receive the check from had a note on there account to contact them ..so i asked then why is my account froze ... .because of the lack of that person 's responsibility..it 's been two days at least unlock my account an review the check ..but give me no access to that amount ..they said sorry but they couldn't an because the department that could was gone ..they would have it fixed an again someone would call me ... again nothing again I call at this point it's been 5 days an no access to my account ... so I asked where did it say in my contract they would freeze my account because someone else not responding ..I get this answer or that but not anything where I aggred to this ..I ask for them to close my account at this point ..I was denide that oppsion..even tho they have not treated me as a customer.an feel like I'm being treated unfairly ..I have all recording of the calls ..an letters from then One state on the XX/XX/18 that there sorry they cant approve my account ..sorry but they would not allow me to open a account..I all ready had a account deposit money and had it froze ..I understand they have alot of departments that need to touch bases but this is caused me to no have a lone sent to that bank an day aftrr day mistakes on there 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 2018-12-21
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The subject of this complaint is XXXX.

Three weeks ago I transfered {$300.00} or so from one of my XXXX  accounts that was created separately within " XXXX XXXX '' to my XXXX   account within " XXXX XXXX '' and received an email about four days later saying that the money had been received in my XXXX account and would show up within three business days.

To date, I have contacted XXXX  via online chat, called four times, and XXXX said it has contacted XXXX directly. I still see no funds in my XXXX account. It's been three weeks now.

From XXXX, my money was withdrawn, and from XXXX  I got a notice saying the money has been received, but It just has never hit my XXXX account. XXXX says it's XXXX  's fault. XXXX  said it was XXXX XXXX XXXX.

I am contacting you so that XXXX can ensure the amount is sent to XXXX  and that XXXX reflects this {$300.00} transaction in my account.

Right now it is essentially stolen out of my accounts on account of the failure of these two banks and the intermediary XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common XXXX  XXXX  could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.

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 2023-03-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-07
Company: I.C. System, Inc.
State: IN
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:
IC System Collections has been notified by XXXX, as well as me, on more than XXXX occasion involving account # XXXX from XXXX XXXX  to date of this complaint. Also XXXX XXXX XXXX XXXX has been notified as well. Most recentIy, see XXXX  Dispute Report # XXXX. However, IC Systems & XXXX XXXX XXXX XXXX keep reporting these accounts of {$180.00} & {$1600.00} past due ' to the 3 major credit bureaus. Last date reported was XX/XX/XXXX, XXXX i I have been a victim of identity theft and have no knowledge of these accounts. All of my personal info including drivers license number, ssn, d.o.b., address, phone #, etc has been compromised in at least XXXX major data breaches and has been sold on the dark web. I have already filed an identity theft report with the FTC a few years ago about this. This is not my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation