BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are many address on my report but the only on that should be in there is XXXX XXXX XXXX XXXX XXXX ca XXXX Ive stated several times and made multiple disputes that all other address on my account are fraudulent

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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, XXXX, XXXX  and Transunion barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer

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 2017-05-05
Company: Maury Cobb, Attorney at Law, LLC
State: WI
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 received multiple calls from differing numbers. I called back  XXXX   XXXX    XXXX   and asked them to send their request in writing to the address they have on file and I would follow up after receiving it. The operator tried to bully me into giving my current home address over the phone and when I refused the fourth time, she said " well, I hope for your sake the address we have is the right one '' and hung up.     This morning I received a call from a different number. When I explained that I have already requested their claim in writing to the address on file, she said " that 's not how we do things, and when you feel like identifying yourself, call us back. '' The calls requiring I divulge private information ( including my social security number ) before providing enough information to verify the validity of the claim, especially when made repeatedly from differing phone numbers, and even more so after my request for proper verification, are harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have no idea what that is and I want it removed. 


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 non-monetary relief
Consumer complaint received 2017-05-05
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On   XXXX   XXXX    2016, I  had an   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and I could n't  XXXX .My doctor gave me a prescription telling me to go to  XXXX   Hospital, a   doctor will see me maybe in  15  mn. When I arrived my niece and an employee asked for a   XXXX   to help me. I did n't get it, I did all I could with   XXXX   XXXX   to get inside. They had done nothing, they just put my name and address in their system and asked me to evaluate the pain.I sat for more than  3 hours hop ing to be seen by a doctor.I would like to go to the restrooms but I could not then I called my niece to come back and pick me up. Now I have a bill for  XXXX  for what. I do n't know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
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:
THEY ARE CONTINUING TO REPORT THIS FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-07-19
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied once for a pre approval & it denied me n gave me 2 hard pulls when they said it wouldn't affect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Resurgent Capital Services L.P.
State: AR
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 not supplied proof under the XXXX XXXX XXXX XXXX XXXX Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, 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:
15 U.S.C 1681 Section 602 A state I have a right to privacy. 

15 U.S.C 1681 SECTION C MO CONSUMER REPORTING agency may make any of the following items of information and other adverse item information other then records of convictions of crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE CONTACTED THESE COMPANIES ABOUT MY INFORMATION BEING USED TO OPEN AN ACCOUNT, THEY HAVE BEEN USING MY INFORMATION TO OPEN AN ACCOUNT AND A UTILITY COMPANY ( XXXX ) I DONT KNOW WHY THIS IS BEING REPORTED AND IGNORED AFTER I ASKED THEM TO REMOVE THIS FRAUDULENT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Zions Debt Holdings
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to express my extreme frustration and anger regarding the sudden appearance of fraudulent collection accounts and unauthorized inquiries on my credit report. The inclusion of this inaccurate and damaging entry is not only unfounded but also severely tarnishing my financial standing and destroying my creditworthiness. ZIONS DEBT HOLDINGS PLEASE DELETE IMMEDIATELY! It is utterly distressing to discover such derogatory information on my credit report. The sudden and unexplained appearance of this fraudulent collection is not only shocking but also completely unacceptable. I demand an immediate and thorough investigation into these matters, and I expect prompt action to rectify these inaccuracies in my credit report. The presence of fraudulent information is not only damaging my creditworthiness but also causing undue distress and frustration. I find it incredulous that such damaging entries could be added to my credit report without proper verification and validation. Through my investigation I found that this company has this account listed under an address that I have never used, tied to spouse and family members that live within this address that I have no knowledge of so how is that XXXX has allowed this account to be added to my credit report without proper validation and knowing that It is your responsibility, as a credit reporting agency, to ensure the accuracy and integrity of the information you report. Your failure to do so is a direct violation of the Fair Credit Reporting Act. 15 USC 1681 C ( A ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item and are being reported again without my permission, which is against the law. Furthermore, 15 U.S Code 1681S2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 E states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title

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 2017-05-08
Company: United Resource Systems, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Resource Systems has placed a debt of {$730 .00} on my credit report on behalf of  XXXX   XXXX   XXXX . I have no knowledge of this debt and I 've disputed it several times and they 've never provided support. I have NEVER lived in  XXXX  County. I moved away from SC in   XXXX  , how could this debt belong to me? I would like to have it removed  ASAPas it s impacting my credit worthiness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One XXXX It has come to my attention that my account has been charged off. However, I have never recieved a XXXX. This is my formal request for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: DISCOVER BANK
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, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, XXXX, Discover and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports XXXX  and XXXX   and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX  report : Date : XX/XX/2020 - XXXX  XXXX Date : XX/XX/2020 - XXXX XXXX XXXX  report : Date : XX/XX/2020 - XXXXXXXX XXXX Date : XX/XX/2020 - XXXX  XXXX  XXXX I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX ( EIN XXXX ) https : XXXX.do I have 7 opened loans but in fact I have just 1 with XXXX currently I want to remove others

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
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:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Here is a list of the incorrect addresses that I am currently Seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Previous/In correct Addresses ) There should only be one address listed on my report that is listed on the heading of attached letter.

I also noticed that my name appears to be misspelled on my credit report. My name only has one Correct spelling, and there should be no variations listed because my name has no variations my name is listed on the heading attached letter I enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, Please remove in accurate employers as well as listed below : XXXX. XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I h ad two studen t loans from  XXXX   XXXX  which were serviced by  XXXX . In  XXXX   XXXX  i filed chapter  XXXX  bankruptcy receiving a discharge in  XXXX   XXXX . From that point forward,  XXXX  has made a breve of errors in reporting both student loans incorrectly. I have made ove r 15 disputes fr om contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided  XXXX   XXXX  guidelines when disputing.     I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on t he Credit Reporting.       XXXX , and each bureau, have violated Fair Credit Reporting Act,  US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint . By  XXXX  continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly.     Furthermore, I continued to pay my loans as best as I could and in  XXXX  I settled both loans with  XXXX  by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance.     After 6 months of additiona disputes and conversations,  XXXX  indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring  a private Right of action  for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights.     Over 2 years since I 've settled and paid for these loans,  XXXX  continues to damage my credit because they simply refuse too.     Please get this corrected and allow me to sue  XXXX  for its willful behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: MA
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:
Experian investigated to why an acct called XXXX card shows good status and bal. being paid but does not show payments made, and came back as fixed but still showed {$0.00} payments made for all payment history!! Please fix this. Thankyou see info below. 


Updated XXXX XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details After Before JXXXX XXXX Account Name Account Number Credit Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 25 Monthly Payment {$3000.00} Credit Limit {$930.00} Highest Balance NA Terms {$670.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY ...

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 2023-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom It May Concern : Im writing this letter to express my gratitude as a customer of Citizens Bank, and as a follow-up to my letter dated XX/XX/XXXX regarding my auto loan account. As requested, the first letter was sent via snail mail. In the letter, I requested that an item posted to my credit report be reversed as a one-time courtesy. I have not received any confirmation of its receipt, an indication that the letter 's contents are being investigated, or a notice of resolution outlining any next steps. 

I want to reiterate my request for a one-time courtesy forgiveness of a 30-day late payment reported to the credit bureaus in XX/XX/XXXX. This was the only time that an adverse report was issued since I have been a customer of Citizens Bank, and it has had a notably detrimental impact on my credit score, reducing it by XXXX points. In addition, this late payment has affected my ability to access credit, obtain lower interest rates, and qualify for mortgage and car refinancing. 

On XX/XX/XXXX, due to financial hardship, I made a partial payment of {$120.00}. This was done to support my parents with bills, which unfortunately meant that XXXX was a month where no payment could be made. On XX/XX/XXXX, I experienced further financial difficulty when my car caught a flat tire and the battery died. Due to the provisions of my insurance policy, I would have to reach a {$1000.00} deductible before financial assistance could be had. To this end, I had to purchase new tires and pay for the towing of my car. I have included a XXXX XXXX receipt and text messages that show communication with the towing company XXXX XXXX XXXX and XXXX XXXX ) on that day. I have also included the receipt from XXXX XXXX. 

Despite this, I had previously maintained a record of on-time payments. To make up for the other partial payments, I made three payments in XXXX : XX/XX/XXXX for {$260.00} ; XX/XX/XXXX for {$260.00} ; and XX/XX/XXXX for {$260.00}, bringing my account to current. 

I understand my financial duties, and if it were not for the costs associated with towing and new tire installation, I would have maintained an outstanding repayment history. Regretfully, I made a misstep in falling behind. This does not demonstrate my creditworthiness and commitment to paying my debts. It would be greatly appreciated if you could afford me another opportunity and make a goodwill adjustment to erase the late payment.

I appreciate your consideration, and I hope you will grant my request.

Company response to consumer: Closed with monetary relief