BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: OH
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 Account # XXXX opened XX/XX/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 account under an open end consumer credit plan as late for any purpose update late payments for following dates to current or delete account from credit report. 

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 2023-02-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A hard credit inquiry is on my credit report. It is from XXXX in XX/XX/2023. I did not apply for credit with this company. There should be no hard inquiry. Someone else must have used my information otherwise there would be no inquiry.

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 2023-07-31
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never applied for this account. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$400.00} Highest balance {$580.00} Terms NA On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: FIRST HORIZON BANK
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by covid and lost my employment. I was not able to pay my mortgage and reached out to the XXXX  for assistance in XX/XX/2022. The XXXX has reached out to XXXX XXXX ( my mortgage holder ) over 6 times via their portal. And XXXX XXXX has refused to respond. When I call XXXX XXXX they keep hanging up on me or when I am able to get someone they say they are trying to collect a debt when I ask about anyone reaching out to them they say they don't see it in the system and the XXXX person that works those cases in the portal has not received it. I am trying to keep my home I have nowhere to go with my children that is safe and that I can afford. I have a great job now that pays me well. I can more than afford my mortgage. But it is like they are trying to take my home. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TransferWise Ltd
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Customer Financial Protection Bureau I am writing to file a formal complaint against Wise Payments Limited regarding the unjust closure of my account without providing any valid reason or justification. I am seeking assistance and intervention from the Customer Financial Protection Bureau in resolving this matter. 

On XX/XX/2023, I attempted to log into the Wise Payments Limited platform and was met with a notification stating that my account had been deactivated. To my dismay, the notification did not provide any explanation as to why this action was taken, leaving me in a state of confusion and frustration. Furthermore, it stated that I could file an appeal, but the system prevented me from submitting any information or details for the appeal process. 

As a loyal customer of Wise Payments Limited, I have always adhered to the terms and conditions outlined in the agreement. I have consistently utilized their services responsibly and have never engaged in any activities that violate their policies. Therefore, I find it unjust and unreasonable that my account was closed abruptly without any notice, explanation, or opportunity to address any concerns that may have led to this decision.

The lack of transparency and communication from Wise Payments Limited has resulted in significant inconvenience and potential financial loss for me. Without access to my account, I am unable to use my funds. This situation has caused immense stress and uncertainty regarding the status of my account and the funds associated with it. 

I have made numerous attempts to contact Wise Payments Limited to seek clarification and resolution, but all my efforts have been met with automated responses or non-responsive customer service representatives. Despite my persistent inquiries, I have yet to receive any substantive information or a satisfactory explanation for the closure of my account. 

I believe that Wise Payments Limited has violated my rights as a consumer by closing my account without providing a legitimate cause, denying me the opportunity to appeal, and failing to respond to my subsequent inquiries. Such actions not only disregard consumer protection regulations but also demonstrate a lack of professionalism and fair business practices. 


Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: AMERICAN EXPRESS COMPANY
State: CA
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 had an AMEX Offer on my AMEX XXXX XXXX credit card where I'd receive {$25.00} credit for spending {$45.00} on a new XXXX XXXX XXXX membership. I signed up for XXXX XXXX XXXXXXXX membership using the card on XXXX XXXX, XXXX. The {$45.00} charge by XXXX XXXX XXXX posted on XX/XX/XXXX. Not having received the {$25.00} AMEX Offers credit, I contacted AMEX via chat feature on XX/XX/XXXX. I was told, " XXXX, don't worry, the credit will post 2-3 weeks from the time of being charge in the account. '' The credit never came. I contacted AMEX again on XX/XX/XXXX. I was told, " Since it is more than 21 days, I'll open an investigation on my end. '' Still not having received the {$25.00} credit, I contacted AMEX again on XXXX XXXX, XXXX, and the agent told me that no investigation had been created on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I've received an obscene amount of inquiries on my credit profile between XX/XX/XXXX up until as recent as XX/XX/XXXX. I've never initiated any of these inquiries nor provided anyone with written authorization to access my credit. I've spent several days and hours contacting equifax, XXXX, XXXX and the creditors but I'm not receiving any assistance from any of the companies mentioned and they have failed to provide me with proof showing I consent to these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been mailing ERC since XX/XX/XXXX, asking for validation of this account, ERC has not provided validation of the debt, ERC admitted that they are not the account holders, so why they are reporting a negative account to my credit report, ERC is not the account holder, and they are affecting my credit score, they still calling at least 10 times per day, I have send a certified mail asking for cease calls and send validation of this account, TransUnion and Experian are being aware of dis un-validated account. 
ERC Keep re-again this account, this is also affecting my credit score. 

Account NameENHANCED RECOVERY Account Number XXXX Account Type Collection Date OpenedXX/XX/XXXX StatusCollection account. {$880.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$880.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$880.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit Bureau to do a THOROUGH investigation/verification of my credit report, they did... They stated that everything was accurate. I then did a thorough research myself and found multiple improper inaccuracies on the credit report even after they did the " thorough '' research. 

Here are the accounts etc listed below : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX, XXXX, and XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account ( s ) 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 explanation
Consumer complaint received 2018-03-19
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  collecting debt for XXXX XXXX XXXX that I never opened or knew about, have asked for a copy of where I signed up for this card and nobody is able to provide information. I have contacted XXXX XXXX to be told contact XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and anxiety, to XXXX XXXX where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call today on my direct employee office line from Transworld Systems. I have no idea why they are calling me at my place of employment. I attached a screenshot of my office line Caller-ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: CO
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 found addresses on my account that i have never lived at and addresses that I haven't lived at in over 10 years. I sent each XXXX, Equifax, and XXXX XXXX letters asking them to remove the incorrect information. And to only show the correct information. They didn't. This is placing me at risk of identity theft. If my personal information is sent to one of those incorrect addresses. 
I also found that my name was missed spelled and missed used as also known as.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Consumer Adjustment Company Incorporated
State: FL
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:
Consumer Adj. Co. reported a debt on my credit report without informing me of the debt. I did not received an initial notice giving me the option to dispute the debt. I requested verification of the debt as well as assignment or bill of sale and I did not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

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 2023-04-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and was excited to start working on building my credit. After checking my credit report, I am confused why there is a derogatory mark on my credit history and 9 hard inquiries. I have never in my life applied for credit. The fraudulent account is XXXX XXXX XXXX with the amount of {$140.00}. AND THE NINE HARD INQUIRES ARE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with explanation
Consumer complaint received 2017-11-30
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OnXX/XX/XXXXi received a letter from Rmp receive more. The letter was about a debt that i disputed and sent certified to credit bureaus onXX/XX/XXXX The response they sent back is not really a debt violation. They did not send my original contract. Secondly this account is on my report but is stated to be for my son. They also violated the HIPPA LAW and included diagnosis.

Company response to consumer: Closed with explanation