BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: NM
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:
This is my written requests for you to notify about some errors on my account. The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts are needs to be corrected immediately ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$13000.00}.

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 2021-07-27
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
XXXX XXXX  XXXX is reporting inaccurate information to all three credit bureaus for credit XXXX bank. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.

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 2023-08-21
Company: Experian Information Solutions 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the attached documents shows that these accounts were charged with without my authorization

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 2020-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXXXXXX hard inquiry due fraudulent credit card application. 
Spoke to a representative at XXXX XXXX XXXXXXXX and disputed this hard inquiry on Experian credit report. I was promised removal from the bank by XX/XX/XXXX. 
I reminded the representative there was an existing fraud alert on my credit report and NO application should accepted or ran with out my approval.

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 2023-08-16
Company: Freedom Mortgage Company
State: PR
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:
On XXXX of 2023 I set up automatic payments to Freedom Mortgage from XXXX XXXX. 
On XX/XX/2023 the automatic payment went out on XX/XX/XXXX per my payment process. 
Freedom Mortgage reported the payment was received on XX/XX/2023. Which is XXXX day past their deadline. 
On XX/XX/XXXX I was notified through my monitoring that Freedom Mortgage has flagged me as being 30 days delinquent on the account. 
After speaking with a representative of Freedom Mortgage, I proved to them I had the documentation and that I paid it on time. 
I plead my case that there was some error with the bank, or them receiving it, I was informed since it wasn't an error specifically on Freedom Mortgage, they wouldn't be able to update my credit report. 
I am only asking for a one-day adjustment.

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 2021-07-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these accounts appear on my credit report, they do not belong to me, please check them. 
Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

5. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 
7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Oasis Legal Finance Holding Company, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I became aware of several issues due to a mortgage company performing a soft pull on my credit without express consent or authorization from me. In fact, I never contacted or spoke with XXXX XXXX. They mailed me a copy of my credit report, and it stated that I have a Code XXXX : Too many consumer finance company accounts. For some reason, my XXXX  account was " unfrozen '', which I had placed a request at least 1.5 years ago for an XXXX  account freeze. 

On XX/XX/XXXX at XXXX, I called XXXX  and spoke with agent XXXX . He stated that the " too many consumer finance company accounts '' were because Oasis Financial did 2 " hard pulls '' on my credit : XX/XX/XXXX, and XX/XX/XXXX. l have a worker 's comp case that has been active for over 2 years now. I was assured by XXXX at Oasis that Oasis " never pulls credit '', because they have a lien against the case. I was told this several times by XXXX, but Oasis went and did a " hard pull '' on my credit without my express authorization! I was told by XXXX at XXXX  to : 1.File a complaint with the FTC 2 . File a police report, which I will do tomorrow. 

XXXX also placed a Fraud Alert on my account, which will be relayed to the 2 other credit bureaus. The Fraud Alert Number is : XXXX. I need to 2 " hard pulls '' against my credit! taken off, because I was assured several times by XXXX and other associates that Oasis does not check credit, which is untrue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX have violated my rights. 

15 U.S.C1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A, section 2 : 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 2021-07-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo garnished my STIMULUS THATS IRS SAID WAS ILLEGAL TO garnish regardless of how late I received my stimulus! For a overdraft that was on my account by error of WELLS FARGO! No matter how many times you tell Wells Fargo that money was stolen out your account they will not care! Wells Fargo are thieves they need to be investigated!!!

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 2017-08-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Citibank has, over the past 60 days, accessed my personal credit without my consent on at least three occasions, and did so after repeated promises they would stop.
Citibank 's attorney previously and repeatedly promised me that this activity would stop.
As a result of accessing my credit reports, Citibank sent me at least three offers of credit that they knew would not be honored.

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 2021-07-27
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I owed money on a car that I had to surrender due to loss of employment back in XXXX. I was told by Santander that it was charged off but the debt kept on getting added back to my credit report every year. I had to dispute it every year to get it removed, they added it back to my credit report this year ( XX/XX/XXXX ) as a brand new collection account with no reference to the XXXX Santander account. I called XXXX and spoke to a lady that agreed to send me an e-mail that links the original Santander account to the new collection account they posted, XXXX became aware we needed this to proceed with our home loan and hijacked the call. I asked XXXX XXXX ; who is the Vice Executive Presdident of Operations for XXXX XXXX XXXX, to send me an e-mail with a report stating that this was for the Santander XXXX account not a new account but he refused to because I needed this to prove to my lender that this was not a new account which XXXX  was trying to make it look like, and even lied to me saying that this is not linked to the XXXX Santander account and it was a new debt as of XXXX. Since the way they posted it to my credit it makes it look like it is a new collection account. He told me over the phone that he will not help us close on our new home ( sending me a debt verification e-mail ) unless we paid him {$4000.00}, otherwise he isn't going to send over anything to verify the debt with our lender. His name is XXXX XXXX with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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 recently got my credit pulled because I am trying to buy a house however, I was told that there were a total of five accounts in negative standing appearing on my credit and due to these accounts I would not qualify for the home loan. The accounts are from XXXX  XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I do not have any type of contract or agreement with these companies and I have never given them permission to run or access my credit file/personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: GA
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:
1 ) Under 15 USC 1681s2it is the responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information, it is a FEDERAL violation. 2 ) XXXX XXXX XXXX  - is unable to validate this account. I have attached the proof from the dispute. XXXX ) XXXX XXXX XXXX - under FDCPA they are required by law to send out notice of this collection. I did not receive a 'warning ' this account will be reported to my credit, which indicates they have returned mail on file-they did not fulfil the requirements per law. 4 ) This inaccurate information has cause me harm to my credit and stress. 5 ) I have filed numerous notices to the CFPB regarding Experian which is refusing to answer my request. They keep saying they need 60 days. It has been beyond 60 days which puts them in violation of ignoring my requests.

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 2021-07-27
Company: EQUIFAX, INC.
State: GA
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 reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEP ED. There were also several inquiries that I know nothing about 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 I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

I have also sent numerous emails to both the caand XXXX. I discontinued my service in XX/XX/XXXX due to fhronic issues with XXXX  for charging me for cable but it never worked, equipment i couldnt use since servicedid not work andfor charging me rates thatwere not agreed to. Thry illegally chsrged me for three months service st inflated rates after i stopped service. They also promised me full credit for service and equioment fees for the 7 months i chrinically complainedut was forced to pay on threats till i saidenough was enough and i would not pay. They then cut me and i cancelled all services. I had no contract no committment when wegot the services. Ivebern fighting this over ayear now and they keep damaging my credit. I have filed aFGG complaint. They havent responded to my responsesfor infotmation thry requested and are violating oth the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Executive Credit Management, Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2020 I was notified by XXXX  and XXXX  that there was a collection account added to my reports. I immediately reviewed my reports to see that Executive Credit Management Inc had added a collection for a past due bill with XXXX XXXX, which was a rental unit I had moved out of over 5 years ago. During the time I moved out I was slapped with a bill of charges that were not mine and it was settled with my lawyer and theirs. 
As I did my research on the new collections account I see that the bill was sent to them on XX/XX/2020. This was over a year after I had filed bankruptcy and all past due accounts were discharged and I was no longer obligated, according to the US Bankruptcy courts, to pay. 
I sent out certified letters to the original creditor, XXXX XXXX, with no reply back and to the Executive Credit Management Inc on XX/XX/2020 stating the debt was resolved and the file they paced on my credit report was fraud. Shortly after they received the certified letter they placed the account in closed status on my credit reports. 
According tot he laws they need to remove this account comply because they are framing the system. The account should never have been there in the first place since the debt did not exist. 
Both the collection agency and the original collector should know the laws if they plan to collect on old debt. 
I do have copies of the letters I sent both parties with printouts of the dates and times they received the letters. 
Both companies are defaming my credit report by doing this which I believe is called " debt parking '' and is a serious crime.

Company response to consumer: Closed with non-monetary relief