BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Experian Information Solutions 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 XXXX5 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 explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian is reporting on my credit report a debt that does not belong to me. The debt is from XXXX XXXX which is a utility company in the state of Texas. I have never lived or resided in the State of Texas. My entire life I have lived in the state of California. I have contacted XXXX XXXX multiple times and they have neglected and refused to remove the fraudulent info from my credit report. The debt has impacted my credit score negatively

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 2023-10-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from 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 2023-09-08
Company: EQUIFAX, INC.
State: IL
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:
Equifax, XXXX and XXXX refuse to fix and follow FCRA rules and regulations in ACCURATELY REPORTING creditor account information on consumers credit files. While disputing previous LATES being reported by XXXX ( ACCT # XXXX ), The Credit Bureaus recently updated that I was more than late 30 days for XX/XX/2023. My payments are due on the XXXX of each month. I made my payment prior to XXXX. How are they reporting me late after they received the payment? They are deliberately keeping me in a negative account status which is severely impacting my credit. This is fraudulent reporting and it is illegal. I have attached a receipt of my most recent payment made and also a copy of a complaint I filed with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX and XXXX of 2019 I made two separate orders at Macys.com. These orders were delivered successfully. 

The Macys app correctly showed both orders as paid in full with no further purchases. However, when my paper bill arrived there were numerous fraudulent charges during that period that were NOT listed on the Macys app! 

I filed a fraud report with Macys ; they replaced my credit card. However, after speaking with dozens of Macys employees, receiving multiple letters from different departments ( no one seems to talk to each other! ) the issue is still not resolved. 

I am also receiving DAILY emails that I have a credit balance! These emails seem to be designed for people who dont pay their bills I have a credit according to Macys and I find these daily email security alerts harassment. I can only imagine people who arent able to pay their bills are also receiving daily alerts. Isnt that illegal? 

When I called Macys to tell them according to my records I dont have a credit balance, they said theyd fix it. The next statement DOUBLED my credit balance. 

When I called today to ask them to stop sending me daily emails, they said theyd issue me a refund check which would stop the emails. They were not interested when I said the credit amount was in error. 

What a hassle and they still havent resolved the fraudulent activity on 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 monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Reporting on credit report for XXXX XXXX that is fraudulent as the terms were changed by hand writing on contracts after contract was signed. I was not informed of these changes. The tax and payment information was altered and was not the original agreed to amount. This must be deleted from credit report. Police reports were also filed. 

Also this company is filing lawsuits against me in jurisdictions where I do not live in an effort to gain default judgements this is unscrupulous.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, 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, 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 {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX & XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Innovative Funding Services, L.L.C.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
In XX/XX/2023, I was interested in shopping around for an auto loan to buy out an existing lease. I queried a third party service ( LendingTree ) and consented to sharing my contact information for the purpose of receiving loan quotes for this purpose. I had two lenders call me immediately - one, who I ultimately ended up working with, and Tresl, who reached out to me and requested I call them back. I received an excessive number of inbound calls from Tresl - literally 4-5 a day for about 3 days. I finally contacted Tresl as I had 1 ) decided to go with another lender and 2 ) wanted the person who was harrassing me to stop calling. I never spoke to a Tresl employee directly- all communications were via voicemail, with me reaching out to Tresl a total of ONE TIME to advise them to stop calling me. I never submitted a loan application with Tresl - again, the only item I agreed to was passing my contact information along to this business for the purpose of getting vehicle loan rates, which would be performed via a soft credit inquiry. Upon leaving this voice message with the Tresl individual, I received an Adverse Action notice on XX/XX/2023. The notice indicated to me there was 1 ) a loan application under my name, which I did not submit, 2 ) a hard credit inquiry was performed listing my credit score ( XXXX ), and 3 ) that due to my credit score ( which is excellent ), my loan application had been declined. I work in the financial services industry myself in Legal and Compliance, and this application and hard credit inquiry were done without my consent. I never submitted any loan application with Tresl - again, I never spoke to ANYONE there directly. This is predatory and I have also reported this directly to Tresl 's Compliance department as well, also in the form of a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent a letter on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( a ) of the FCRA requires XXXX CRA to XXXX a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. I haven't received a response and verification 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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX  Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is falsely accusing me of borrowing {$3400.00}. I never received any loan money. This account is fraudulent, it is a SCAM. I do not owe XXXX {$3400.00}. It must be removed from my credit report. These are fraudulent charges. I never received any loan money to pay for books or transportation. I payed for books OUT OF POCKET. THIS IS A SCAM. XXXX and the Federal Goverment are Financially discriminating on me because I am XXXX XXXX. I will not pay the Goverment these fraudulent loans. They are scam artists and this account is fraudulent.

Company response to consumer: In progress
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1995 Transunion XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX I recently purchased a copy of my Transunion credit report through the Transunion online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Transunion through arbitration. 
Again, I reject the arbitration clause in the Transunion interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Transunion has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Transunion has been prepared for Presentment to Transunion, by me, 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 2022-11-18
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe my income was to low for the mortgage payments and it was pushed through even with that being the case. currently my mortgage is {$890.00} per month while my monthly income is {$1000.00} from XXXX. My family did suffer a hardship due to XXXX as my grandson was working and able to assist me, he was out of work due to covid for several months. During that time other family members did help out when they could however everyone in my family has been suffering due to the cost of living being extremely high-we cant seem to catch up. 
As I was speaking with a lady I befriended she made mention that I should have never been approved for the mortgage with no more income than what I had and I should look into the reason I was approved.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 non-monetary relief
Consumer complaint received 2020-02-20
Company: H. Kent Hollins, Attorney at Law, P.A
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector H Kent Hollins filed for garnishment 4 times including emptying my bank account. They have repeatedly harassed me with phone calls at all times day and night. They filed a lawsuit against me for XXXX $ owed. Which was due to me moving out of state and have sent communications to my employers regarding my debt. Since they bought the debt ( to which I tried settling with the original debt or as well as trying to settle with the collector and the collector refused to settle ). They have levied multiple unexplainable fees, 300 % over the original amount and will also charge additional fees to pay over the phone etc. They are not out to settle a debt, they bought a debt and have levied fees against it in order to balloon the balance. I have reported them to the XXXX, the KS Attorney General as well as you guys in order to stop their aggressive collection practices, their defamation via garnishment and their addition of misleading fees against a debt that has been paid for all intents and purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from 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 2023-09-14
Company: FISERV INC.
State: WV
Product: Prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
My card was used for several days without my knowledge by obvious thief 's with knowledge of this particular scam. I have attached all purchases made that were not made or authorized by me in any way. The company is refusing to do anything about it because it was digitally authorized. Whatever that means. I've been in contact with them for over a month now trying to find a resolution and I just received a letter from them ( attached ) that their not going to do anything about it and the case is closed.

Company response to consumer: Closed with explanation