BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or XXXX compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

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 2021-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to let you know that I got into terrible situation as I have strange accounts in my credit report. I do not know them absolutely and I think its a big mistake or someone just filed these accounts illegally. I can not understand why I have them in my credit report still. The situation is out of control and I ask you to find out the reason of these accounts in my credit report. Thank you Also please remove them if you have a chance after investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MO
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2021-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: UT
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:
Hello my name is XXXX XXXX I'm A federally protected consumer, i would like to thank you for the opportunity to address your concerns regarding Experian ( consumer reporting agency ). This reporting agency ( Experian ) has infringed upon my right of privacy. I have made multiple disputes to my consumer report regarding this unfair reporting. Through my thorough investigated I have found that this reporting agency was reporting approved extension of credit showing payment history which should have been excluded from my consumer file. I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Experian ) to report Any information dealing with specific extension of credit which is a violation under the FCRA 15 usc 1681a ( 2 ) ( i ), Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. If consumer reporting agency remits violations, please provide me and Consumer Financial Protection Bureau ( CFPB ) My initial signature authorizing consent to such action, please provide to me exhibits to back this supporting claim of fraud. These are Federal violation under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. i ( consumer ) have provided my identity notarized to authorized this complaint. I believe that i ( consumer ) have fully addressed my concerns of the validity of this matter, will still stands.

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 2023-08-22
Company: Experian Information Solutions 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-08-08
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email notification that a debt collection was opened on XX/XX/2023 and added to my credit report by a company called CAINE & WEINER COMPANY. The information indicated that the original creditor was PXXXX XXXX XXXX XXXX ; the alleged amount owed was {$300.00}. I have never done business with or heard of either of these companies. I contacted Caine & Weiner CoXXXX on XX/XX/2023 to inform them that I did not owe this debt and wanted the information removed from my credit report. I spoke with three representatives to resolve the problem, XXXX, XXXX, and XXXX. Each time I was told that they could assist me, but first, I would have to pay a {$1.00} fee online to a company called Identity IQ. When I refused to pay the first two representatives abruptly hung up their phones. The last agent informed me that the {$1.00} would allow both Caine & Weiner and me to access my full credit report for seven days, and Caine & Weiner would submit dispute letters to the three credit reporting agencies for ALL of my accounts in collection. I do not owe this debt. The company appears questionable in its business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Atlanticus Services Corporation
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:
Someone opened up an account in my name and I didnt know. I never gave consent, when I pulled my credit report thats when I saw it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.

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 2023-05-21
Company: Experian Information Solutions 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:
I did not authorize nor consent to the following inquires being furnished on my consumer report. See attached

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 2021-07-23
Company: Avadyne Health Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent multiple disputes to both h & r accounts and the bureaus trying to get theses accounts off my report. Ive demanded if the account cant be proven to be mines to delete them immediately. Ive requested to be exact 4 methods of verification 2 to the bureaus which are saying that they sent my dispute to h & r accounts so they can send what Im asking. Which is by far the wrong explanation because I asked them for their method of verifying the debt from the lenders just from their investigation. The most important thing Ive asked in all of my disputes is to delete the account if verification isnt provided. Yes I received a letter with just numbers. Im guessing thats the bills I supposedly owe. I asked for a signed contract with my written signatures and have yet to see them and if I dont have a signed contract with them which is me agreeing to the terms, I dont owe anything and the accounts need to be deleted. My account has taken a hit since these fraudulent accounts have been on them and they shouldnt be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Ready Capital Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Even though I paid more into my escrow account than was paid out by the lender they still want to increase my escrow payments. The company selected a cushion which was not in place before then the company representative tried to say that it was a federal law. They do have a law that says they can only charge me a certain percentage but it does not say they have to. How great is this they not only make way too much money on interest then they can take all of the escrow cushion from consumers and make interest on it also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have some loans I'm paying off through FedLoan Servicing. I have had trouble with their website, primarily having to reset my password every single time I log in. I've logged in dozens of times to check on my progress and make payments and every single time I check my password from XXXX and either exactly type it out as I see it or copy and paste the password. Both scenarios result in the site telling me to reset my password. Every single time. I even try to change my passwords to my old passwords and the site says, " You can't change your password to a previously existing password, '' so I've had about 2 dozen passwords I've had to make and store. I have called their support number at least 4 times and I've been told : " That shouldn't be happening, and you're making a mistake '' " We can't do anything about it, deal with it '' " Wow weird, that must XXXX for you. Never heard of anything like that. '' and " No, we don't have any tech support you can talk to, stop calling. '' I know this may seem like a minor inconvenience but it takes time to fix and is frustrating. I've never had a positive experience with customer support or been given any solutions to my problem. It's really unpleasant to have to take 5-10 minutes to log into my loan site every time I want to check on my debts and I haven't been treated well or had my problems listened to by their support line. Any help would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: FL
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 continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: GA
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 my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the certified XXXX # XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge of concerning any such items of information.

They stated my account was verified but how is that possible if they didnt not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything must be 100 % Accurate. I have the credit reports showing the inaccuracies. The Credit Bureaus stated my accounts was properly investigation, but how is that possible if the opened dates is inaccurate, the dates last active is inaccurate, last reported Is not accurate, last payments is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy.

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

Also next to each account In parenthesis is the count of violations. Also, I have downloaded a current copy of my credit report and I have circled each violation. 

List of the Accounts XXXX XXXX Account # XXXX ( 9 Violations ) XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX- Account # XXXX ( 8 Violations ) XXXX Account # XXXX ( 8 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXXXXXX XXXX XXXX- Account # XXXX ( 10 Violations ) XXXX XXXX- Account # XXXX ( 7 Violations ) XXXX XXXX XXXX- Account # XXXX ( 9 Violation )

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 2021-12-17
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
This XXXX account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 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 non-monetary relief
Consumer complaint received 2023-03-17
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2021-12-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2021 I applied for an Ace Cash Express loan, and immediately cancelled the loan when I saw the repayment agreement.. The cancellation was acknowledged by a company representative. I then applied for a payday loan, which I received. Apparently, it was still the original loan. Now I am being billed {$98.00} monthly for several months, for a $ XXXX.loan. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I attempted to temporarily unfreeze my credit report with Experian ( I had successfully lifted freezes with XXXX and XXXX ). Although I thought I had a record of my pin number, their online system told me the pin was incorrect. I then tried to verify my identity without the pin number, but the system told me I would need to submit an identity verification request by mail. I needed to lift the freeze within 48 hours, so this was not a practical solution. 

On XX/XX/2019 I attempted to contact Experian by phone. Experian 's phone options do not let you talk to a person after selecting options for security freezes. After finally finding a person who did not direct me to send them a request by mail, I was told my options were to wait 7-10 business days or to pay {$20.00} to XXXX me a new pin. I chose the {$20.00} option. 

This does not seem to comply with current rules obligating agencies to conduct free credit freezes and then lift the freezes. I acknowledge that I could have written down the incorrect pin number when I originally froze the account, but there should be other options to verify one 's identity in order to quickly lift a credit freeze. This has been extraordinarily inconvenient -- and Experian 's customer service was absolutely abysmal.

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