BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: DE
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 have several hard inquiries on my Experian specific credit report that I did not authorize and need removal : XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX   XX/XX/XXXX -XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XX/XX/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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently started building credit. I HAVE NEVER been LATE on any of my accounts. I submitted a dispute because I seen a fraudulent account on my report that I have never opened on there, and it has a late payment. XXXX XXXX bank XXXX has a 30 day late payment on my report that I NEVER applied for. Every time I submit a dispute transunion sends me a response stating that they received my request but they didn't think it was properly authorized so they didn't take no action. THIS MY FOURTH TIME TRYING TO DISPUTE AND THEY NEVER DO ANYTHING, IM SO TIRED OF THIS!!! WHY EVERYTIME I TRY TO MAIL A DISPUTE TRANSUNION SENDS ME AUTOMATED LETTER WITH THE SAME INFO ON THERE.At this point I feel like my rights as a consumer are being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am filing a complaint against TransUnion, XXXX, and XXXX for reporting a child support obligation on my consumer file. Child Support obligations are not consumer debt and therefore can not be reported on credit reports, as per the ruling in XXXX XXXX Trans Union LLC.

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 2019-06-23
Company: EQUIFAX, INC.
State: WI
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:
My mortgage company, XXXX XXXX XXXX, purchased XXXX XXXX. They transferred my mortgage to XXXX XXXX which is now a subsidiary of XXXX. XXXX XXXX  is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision. 
I want XXXX XXXX to remove the false report stating my loan was modified. 
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: First Premier Financial, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a product and never received it. I told the company I never received it and they said I need a police report. I went to the local police department and got a report. Now they are saying the police have to find the item if not I hate pay for it. My credit score has dropped XXXX points due to this and my bank has charge me over XXXX dollars in insufficient funds fees.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-15
Company: ERC
State: OH
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 have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : ENHANCED RECOVERY CO L # XXXX Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation

Company response to consumer: Untimely response
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4700.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9800.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Mediation Recovery Center
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter by mail, from XXXX death, standby mediation, recovery center ; explaining that I owe debt credit card from XXXX XXXX XXXX, aka service, credit union. I called them XXXX provided from the letter, they refused to give me the information on the validation notice, either I told him that I never had that account he must be a mistake. They wont consider it any of my questions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a phone call from XXXX XXXX XXXX XXXX today while I was at work. She was crying because she stated that someone from FCO called and threatened to take her to court over a debt with XXXX XXXX XXXX XXXX in XXXX, SC. I lived their and she co-signed for me because my credit was not good enough. I had communicated with the apartment property manager in an email that I would make payment arrangements when I am able to. I was out of work for 3 months due to being diagnosed with a XXXX XXXX and I was not receiving a paycheck. I moved out when my lease ended and it left a balance. I was not able to pay because I was not getting a check and I was denied unemployment. They have not sent me a letter in the mail or tried to contact me. They contacted my mom and they threatened her. These tactics should not have been used and they should have tried to contact me in writing or call me. The apartment complex had my phone. 

The apartment complex new that I was on XXXX XXXX I communicated with them over and over when I was living their that I was diagnosed with XXXX XXXX, I wasn't working, and I was getting a pay check. I even told them that I was denied unemployment. They kept threatening me with eviction notices. They were never kind enough to help or give me a break. The send nasty emails and basically all they could say is I am sorry that you are going through this. It was very stress and caused a lot of XXXX XXXX and stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020 I took out a loan With Loan at Last for XXXX. The APR for this loan is 640.11 %. I would end up paying {$3200.00}. at the end of the loan. 

I have since found that Florida State law has deemed payday loans APR would be no more than 18 to 25 %. Also found that Loan at Last does not have a business license With Florida deeming this loan to be void and uncollectable. 

I have filed a complaint with the XXXX  and offered to pay the premium of XXXX and wanted a refund for XXXX, the amount that I have over paid. They refused and keep saying that state and federal mean nothing to them that they fall within tribal sovereign laws. 

The Florida statute also states that my signature and the lenders signature must be on the loan agreement, mine is the only signature on the documents, ( e-signed ) everything was completed online. 

I have sent a letter of revocation of ACH to loan at last, stopped direct deposit and just closed my account because my account was overdrawn because of loan at last. and my bank launched a fraud investigation on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: WELLS FARGO & COMPANY
State: FL
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:
On XXXX the XXXX I was notified by the banker that I was denied for an account and for credit. I immediately went home to check my credit monitoring service and was unable to access my XXXX file. It was completely gone. 

I then proceeded to contact XXXX and was transferred to the office of consumer affairs and spoke to a lady named XXXX. She asked me if I had any knowledge of multiple inquires and told me there were several attempts to acquire credit using my social security number. She said she was seeing two different files for my social security number. I asked her the name of the other profile which she said she could not disclose. She did however give me a date of birth XX/XX/XXXX. I informed her that I was not in any way associated with that date of birth or profile and in fact was a victim of identity theft. Which caused me denial with the banking system. I was told by XXXX that I would be contacted within 30 days after an investigation was done. I was never contacted but did receive an alert that my account was available again only to see an XXXX point decrease and 4 erroneous hard inquires which are from identity theft. 

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal inquires and accounts from my credit reports. 

Inquiries : XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Derogatory Mark : Wells Fargo Bank Car XXXX I have spent time, money, and resources throughout the years working hard to undo the damage from the data beach. I also have previous complaints filed with the CFPB where nothing is ever done. The consumer has rights and protected under federal law. I have done my best to resolve matters outside of court. Please hold XXXX accountable. I have also attached a copy of my complaint with the Federal Trade Commission FTC Report # 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 2023-12-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a compliant against Fair Collections & Oursourcing for a violation of the fair debt collection practices act. In response to a letter dated XXXX XXXX, alleging a debt and providing until XX/XX/XXXX for validation, I sent a letter by certified mail requesting validation on XX/XX/2023, within the specified timeframe. 

It has come to my attention that the Fair Collections & Outsourcing intentionally requested the USPS to hold my letter on XX/XX/XXXX, as stated on the USPS website, violating my right to a timely validation. This intentional delay constitutes a deceptive tactic, compromising my rights as a consumer and being a contradiction to the name of their company. Please See USPS Tracking # XXXX Attached is relevant documents, including the certified mail receipt and details of the correspondence. I request your assistance in holding Fair Collections & Outsourcing accountable for this 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2022-02-07
Company: SYNCHRONY FINANCIAL
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

12. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-12-15
Company: GLOBAL SOLUTION BIZ LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was told by XXXX from Global Solutions LLC that they were going to come to my home and business to take my belongings and money from my bank account. When I asked XXXX so send me the UCC lein file number she was unable to provide such number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: ALLY FINANCIAL INC.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
My Ally credit card was stolen. There were charges to the card while stolen. When I realized it was stolen, I called Ally to report the card stolen and dispute the charges. The first call I made was answered and we were halfway through the report when they dropped my call. I called again, reported the theft and disputed charges. I was issued a new card, the charges were transferred to the new card, then credited back. I received a paper copy of the dispute that I responded to via fax as mail is unreliable in my area. On XX/XX/XXXX, with NO CONTACT made to me, the charges appeared again on my card. After MULTIPLE attempts to contact the credit card company, I was FINALLY able to speak with someone. They reviewed the report and said that I stated I had the card in hand, so they were denying the theft. I asked to have this re-submitted. I have heard NOTHING from the credit card company. I again tried to contact them via phone. I was on hold for over an hour when it appeared someone answered the call and immediately dropped the call. I have since emailed the fraud department to dispute these transactions amounting to {$800.00} Credit card company is Ally

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 4. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Delete this 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 non-monetary relief