BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
For approximately the last 3-5 years I have been repeatedly forced by all 3 credit bureaus to continuously file disputes against the same unauthorized XXXX account that was created fraudulently without my knowledge or permission. 
The unauthorized account has been removed multiple times and keeps being re-added to my personal credit causing my score to decrease rapidly literally Ill reach XXXX & boom now I have to repeat the same dispute they just keep switching companies and then attempt to place it back on my credit report. This is a problem and I am fed up with this situation. I dont even trust them anymore my credit stays on freeze but somehow they still manage to damage my credit score and reputation. I believe my rights are being violated and my credit score has failed to be protected from fraudulent claims by the credit bureau the same accounts that were disputed and deleted multiple times should have been enough of a red flag for the credit bureau to take notice and take action against them but instead they are working together and its obvious via illegal actions being taken/made against me. 
This screams harassment and outright obstruction my next step is civil suit for damages caused by this unfairness created by this scam being ran on my credit report no wet ink documents were found nor will be as I have already explained that there was accounts made fraudulent after losing my wallet and having vehicles broken into all necessary information was provided on my end

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: CO
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. I have been attempting to clean-up my credit since XX/XX/2022. I have sent letters to all three credit reporting agencies in an effort to have numerous Inquiries removed from my credit. I have not tried to obtain credit, accept pre-approved credit cards to help build my credit. No one had my signed approval to obtain my credit file. 
XXXX. I also hired XXXX XXXX XXXX to assist with the incorrect open collections on my account. They have been successful but there are still collections that are incorrect. There are medical open collections on my account. I have always had insurance. These are not my accounts. I have had surgeries to replace hips. I had insurance and would have paid. 
XXXX, Now almost 15 months have transpired, and my credit report has not improved. I find two more collections on my report. I personally wrote this company and requested copies of documents or invoices with my signature to prove validity. They never provided such and put it on my credit report. I am sending my XXXX correspondence to these agencies. I need help. I am XXXX XXXX XXXX this XXXX and the credit bureaus are hurting me financially for no reason. I am very careful to have no negative remarks under my 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 2021-06-25
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2021 I went into a purchase agreement for a stay with XXXX ( the reservation was under my wifes name XXXX XXXX XXXX XXXX XXXX and used their platform. The total amount is for {$4100.00}. My stay was supposed to be from XX/XX/XXXX to XX/XX/2021. I only stayed the night of the XXXX and the host changed our reservation for just the one night which is reflected in the reservation due to issues of the home and the remaining nights were to be credited back. I reached out to Affirm and received a message back saying after reviewing my information, i'm responsible, which i should not be. I provided all information including the owners name and also reached out to XXXX numerous times and am unable to get help. I do not believe they investigated fully because they would have been able to see that my refund was supposed to have been issued. Even XXXX could not get in touch with the host as well. They should raise a red flag as well. I have numerous loans out that i have been paying for with them and i feel this has not been looked into far enough. Ive provided detailed details as well. I just feel if this type of issue cant be rectified then i do not need to keep referring others or continue to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: MD
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 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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX  has violated my rights. 

15 USC1681 section 602 states I have the right to privacy. 
It also states that a consumer reporting agency can not furnish and account without my permission. 

15 USC 1668B : a creditor payment treat a late payment under an open end consumer credit profile as late for any purpose. 

XXXX XXXX XXXX has violated my consumer rights by adding late payments on XXXX 2022 and XX/XX/2022.

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 2021-10-18
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  requested I pay for internet service for three out of four weeks when I no longer had service with them after moving out of my home on XX/XX/2020, after losing my job due to the pandemic. I returned their equipment at move-out. XXXX  said if I didn't pay the last monthly invoice they would take me to collections. They said they have a new policy where they do not prorate the bill. I didn't pay ( for service I never received ) and they sent the unpaid bill to collections. The collection agency filed with all three credit bureaus which have lowered my credit score and affected my ability to rent again now that I am re-employed. I sent a letter to Management appealing the bill but never received a response. Recently I filed a complaint with the FCC. XXXX  finally called me. They apologized and said there was nothing they could do. I owed the money despite vacating my apartment and not having internet service for the majority of the time for the last invoice. They told me their policy is no pro-rations period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, # XXXX, # XXXX has violated my rights. 

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

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for any purpose.

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 2020-02-13
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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:
Ive tried on multiple dates and time from XX/XX/XXXX through XX/XX/XXXX to fix these fraudulent issues regarding this account. Ive disputed and exercised my rights with the use of legitimate sources and instruments to obtain titles from this car loan that was not legitimate and fraudulent in many ways. They are reporting on my credit reports til this day. I have police reports and also have filed reports with the FTC on this company multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since system merger between Suntrust and Truist, the new bank will not let me make my mortgage payment from a non truist account. I had to put the payment on my truist credit card, incurring a {$45.00} cash advance fee. When trying to make a payment from a non truist account the system says I need to be rerouted to Mortgage Servicing Platform. It never reroutes me. Further, MSP is an industry software package that is not user friendly in the least. Truist is making it impossible to pay my mortgage on time without incurring a significant fee.

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 2023-07-15
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I initially filed a complaint because I was blocked from using the online website and automated phone system to make my monthly payment. I have just found out why! 
Talk to customer service and they informed me that I had to sign a " permission slip '' giving PHH authority to allow me to make online payments or phone payments through their system. I didn't think anything but why was not I informed by email or regular USPS of this new requirement- which I have not ever heard of and I am a licensed Realtor and was a licensed mortgage broker. So they sent me an email which was " secure '' and when I went to it the email said that " Document that I Requested '' and I opened it and it was new loan papers for a new mortgage for higher interest than my current conventional loan and its interest only which adjusts on a monthly basis! I have not talked to a loan officer nor did I request a new mortgage! 

What XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is PHH doing? Is this a new form of predatory lending???? Someone better take action before a lot of older seniors like myself that don't have my business background get taken into signing paperwork for this, I have no idea how they think this is legal!!! I will be contacting my state representative, senator and anyone else I can think of to get this stopped immediately!! 

I hate scams and taking advantage of people like this is just beyond the pale!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I had requested a investigation into multiple accounts reported on my credit report. The credit company all three times came back verified despite my specific requests in XXXX. How they came out with result of verified. But they simply respond verified which is not what I requested at any point. 
How is the question. 
In terms of my XXXX collection, XXXX XXXX XXXX, HOW are they verifying this? I have proof that XXXX PAID this in full. This is NOT a collection account. So how can they verify something that is not true? They state the XXXX accounts with XXXX are verified as well as XXXX XXXX. What is XXXX XXXX exactly? The XXXX XXXX cards XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX are INACCURATE in reporting which by law requires them to be DELETED. Not XXXX of these accounts show date I went into default or my payment history which the law states to show. How will you know or if my XXXX years are over? The XXXX XXXX account listed has been on my report 7 years and still reporting. 

Then my requests about inquires is IGNORED. There are multiple that I never authorized. I contacted the companies and was directed to the credit agency being they have no record of me. So why is it I have these random credit inquires? Why am I ignored when asked about them? XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX 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 XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX; and XXXX XXXX XX/XX/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 2023-01-30
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:
XXXX XXXX XXXX {$0.00} - - -No Data Dispute Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX Phone number not available Date Opened XX/XX/2015 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 HAVE CONTACTED TRANSUNION ABOUT 3 INQURIES THAT THEY CONTINUE TO KEEP REPORTING ON MY CREDIT REPORT.XXXX XXXX XXXX XXXX I TRIED REACHING XXXX XXXX  FROM THE NUMBER THAT IS LISTED ON MY CREDIT REPORT THE NUMBER IS NOT IN SERVICE THIS IS A FRAUDLENT INQURY I HAVE NO OTHER MEANS OF CONTACTING A COMPANY I HAVE ANY OF KNOWLEDGE OF. I HAVE DISCUSED THIS WITH TRANSUNION SEVERAL TIMES OVER THE PHONE. THEY CONTINUE TO DISREGARD THE MATTER. THIS IS A STRESSFUL SITUATION AND HAS HINDERED ME FROM ALOT OF OPPURTUNIES. THIS A DEFLAMTION OF MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from

Company response to consumer: In progress
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX  XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This account from XXXX XXXX XXXX XXXX  is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which TRANSUNION, XXXX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN!

Company response to consumer: In progress
Consumer complaint received 2023-02-13
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking account with Regions bank back in XXXX. I left the country for many years, and in XXXX I got an email/letter from Regions unclaimed property asking me to confirm my account. I did so and they told me they would not close the account nor turn it over to the state unclaimed property department. 

However, at the end of XXXX I went into a Regions branch and asked to withdraw my money. They said the account was closed with a {$0.00} balance. I emailed them, and they have been most unhelpful. Same with phone support, which I tried to call back in XXXX and XXXX. They would tell me over the phone that they have no record of the account. I have also checked with FL, AL, and SC unclaimed property departments and the funds were not turned over to any of these agencies. 

The account number ends in XXXX and should have {$150.00} in it plus interest acquired over the last 10 years. 

I would like to claim my {$150.00} + earned interest from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: SC
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress