BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Experian Information Solutions 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:
I filed FTC Report found inaccurate and unauthorized accts on my report, nobody would help 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 non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2021-08-30
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I XXXX XXXX is the original creditor Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see attached copies. I have tried resolving this with the collection agency in which they keep saying this alleged debt is validated. Again how can you validate this alleged debt? I XXXX XXXX DO NOT validate this alleged debt. I will be filing a complaint with the XXXX  and attorney general. I also plan on contacting the media and release the information in regards to me being the Consumer and Natural person and my consumer rights as listed by Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Social Finance, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was sent an in-mail promotional offer for a new credit card by SOFI. It had a 0 % APR rate for 12/15 months. This happened in the month of XXXX. I responded to the offer and got approved for the card. I first started using the card in the month of XXXX and my first statement was generated in XXXX. I went ahead and made a payment and then when my 2nd statement was generated I daw that they have charged me interest on the balance amount. I reached out to SOFI and they said that they will investigate the matter and get back to me. this never happened. When I called them the 2nd time at that point they apologised and asked me to provide with the code orals they won't be able to apply the promotion. Never have I faced a similar situation from a credit card company. I never retained the paper as its been nearly 4 months. I never anticipated something like this. They are plainly denying any responsibility and it's a clear case of cheating and manipulating for charging interests. It is such an unfair practice. I don't think I will continue with this card but I want solutions regarding the promotional offer being applied to my account. Other folks should also be aware of this company engaging in such dishonest practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : 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 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Violation of 15 USC 1681 No permissible permission or contract with the company Unauthorized use of Assumed Name

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 2021-08-30
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX / ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$1600.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$270000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2016 I lost my wallet at that time I filed a report. Most recently I filed another police report. Professional debt med is advising that I owe a debt of $ XXXX to the XXXX XXXX XXXX XXXX. I have spoken to the XXXX site several times and they have advised me they have no record of me staying in their complex around any dates this debt is being advised. I need this removed because it is affecting my credit and this is not legally mine. Case number for police report is below with officer badge number and name : XXXX XXXX badge number Officer XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, my mother and I received notifications from Wells Fargo Bank that there have been suspicious transactions on my checking and saving accounts. We both called on XX/XX/XXXX as my accounts are under my mothers XXXX XXXX. We filed the claims with the bank and was told it will take 7 to 10 days for the investigation. The claim number at the time given to us was XXXX. We called again after 10 days, and was told it was still under investigation and some of the suspicious transactions were not included. 2 new claim numbers were given at the time, XXXX and XXXX. On XXXX, I received a letter with the case # XXXX stating the claim was denied. On XXXX, I received a letter for claim # XXXX saying that it has been resolved and {$4700.00} has been credited back to my account on XX/XX/XXXX. However, the amount was not reflected on my account when I checked on XX/XX/XXXX. On XX/XX/XXXX, I called the claim department about the denied claim was told the case was closed and theres nothing I can do. Then, I asked about the letter from XXXX and the person was unable to explain all the details why the {$4700.00} was not returned and why I still owe them money. The bank reported and notified me of this suspicious activity yet, they have proved unable to resolve this fraudulent activity successfully.

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 2019-11-23
Company: Century Debt Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We started pool service with XXXX XXXX XXXX XXXX XXXX when we moved into our home in XX/XX/2017. All went well until the following year in XXXX. The service was handed off to someone new. The parts broke often, the baskets and filters were filled with leaves, we often bought chemicals as the pools chemical composition was a mess, our backyard completely flooded and the last straw was when our pool turned green all while we had a weekly pool service. XXXX XXXX XXXX XXXX has turned our bill over to Century Debt Solutions who we have tried to make contact with multiple times to no avail. XXXX now claims that we owe {$250.00}. This is false. We cancelled our service in writing on XX/XX/XXXX. The owner continued to bill us {$90.00} and I made many attempts to contact him, all of which received no response. In the past, if there was a problem, he would respond. Once we cancelled, no such luck ; Although he did continue to bill us ... this has been a ridiculous nightmare that I would like to go away. The owner did finally reach out to us to let us know we would have to strictly deal with the debt collectors, now they will not respond either. Our final bill shows as {$90.00}, not {$250.00}. He had agreed to forgo The last payment due to the fact that the service was awful. I tried to contact him many times through e mail, text, and voicemails with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit agencies reported late payments when I was never late. I have never been late. 




In accordance with the fair Credit reporting act XXXX Account # 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 2021-08-30
Company: EQUIFAX, 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:
am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Experian In reviewing my credit report from Experian, I found unauthorized addresses. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. XXXX. XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete

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 2022-01-21
Company: Shellpoint Partners, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Shellpoint mortgage became my loan servicer XX/XX/2020. My credit report shows reflects inaccurate late payment history for the timeframe XXXX through XX/XX/2020 for XXXX XXXX XXXX and XXXX. XXXX shows 180 days late, XXXX XXXX shows 120 days late and XXXX shows 120 days late which is inaccurate reporting. Shell point mortgage was not the loan servicer for frame reported and is incorrectly reported on my account. Shellpoint mortgage is also reporting in accurate information for XXXX XXXX 30 days late on all three bureaus XXXX 30 days late on all three bureaus and XXXX for XXXX only. I have never been late on my mortgage payments. I demand that all three credit bureaus are updated to reflect no late payment history as of XX/XX/2020 to current and all payment history prior to Shellpoint mortgage purchasing my mortgage loan removed from my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told them to stop calling me on Sundays it is not a good day for me and they continue to call me every single sunday.

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