BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights 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. 
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 ALL continue to 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 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. And my state again, In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report.

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 2023-08-16
Company: Wallace Management Company, LLC
State: OK
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:
Im trying to buy a house & I realized I had damages on my credit report. According to the 15 USC 1681 Law. There should not be any damages in my report is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: SN SERVICING CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have gone through a lengthy process to either modify our loan or reinstate our loan so that we do not lose our home. During the process, I was working on taking out a loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We laid out a plan for reinstatement. However, obtaining the loan through my business took much longer than expected. We finally have the loan approval, but when we requested the reinstatement amount I found out that our loan was sold to a new loan servicer. The new servicer took over the loan on XX/XX/XXXX. That meant that my request through XXXX XXXX XXXX was not going to get back to me in time. I contacted my new servicer, SN Loan Servicer, and they informed me that they are not able to access my loan information until my information is boarded to their system. I told them about my situation, and they emphasized that they do not have any access to my information and I'm still not in the system. It took them 2 weeks to gain access to my account information. I requested the reinstatement amount be expedited, but they said it can take 3-5 days to do so. In the mean time, the sale date approaches and I am in limbo due to my loan being taken over 18 days before the sale date. 
I have reached out to the attorney representing the trustees and they even made the request to the new loan servicer to postpone the sale, but we have not heard from them yet. 
I have been advised to file a complaint with CFPB to enforce our protection in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: EQUIFAX, INC.
State: PA
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:
Credit been ran without my permission or signature. There is shared information without my permission and the credit. I have not received a printout of my credit report as requested with the issues of fraud done. I would like to dispute the company that is on my report with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ( Account Name ) has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bought XXXX ( XXXX XXXX XXXX ), paid via Bank of America XXXX payments ( {$250.00} and {$200.00}, sent separately on XXXX  ) to scammer 's XXXX XXXX XXXX XXXX account ). Seller initially listed phone on XXXX. Was not able to complete purchase because XXXX required additional documents from Seller - who later contacted me via email. 

Seller and her mother - residents of XXXX XXXX, Texas - lied and never sent the phone. They bought/downloaded USPS shipping labeXXXX so they could provide tracking # but never actually handed the package over to USPS. USPS tracking # shows " Label created but not in system ''. 

Filed complaint with Bank of America, XXXX Payment Dept. on XXXX Mailed hard copy of email exchange between victim and scammers to Bank of America, XXXX Payment Dept. on XXXX forming part of record of of complaint. 

Also filed complaint with XXXX XXXX  Texas XXXX XXXX. on XXXX On XX/XX/XXXX, XXXX XXXX XXXX called and advised me to ( 1 ) file formal complaint with FTC and ( 2 ) local Police Dept. FTC site also suggested filing complaint with CFPB - since Bank of America refused to refund scammed amount.

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 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Credit been ran without my permission or signature. There is shared information without my permission and the credit. I have not received a printout of my credit report as requested with the issues of fraud done. I would like to dispute the company that is on my report with out my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has dumped tons of fraudulent accounts on my credit reports and these accounts were moved years ago and all them were placed back on them the same time time same month in middle the summers I have been sending documents and police reports and FTC reports at my own expense and Im seeking legal actions with this bureau they never fixed my credit reports and hanging up my phone calls and didnt remove any bad accounts off my credit reports Equifax has blocked/freeze New tradelines from being added to my credit report and has violated the federal laws and never send me any credit report and denied my disputes tons of times.. 



The following accounts that are missing from my Equifax credit report 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 2022-12-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

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 2022-08-09
Company: Experian Information Solutions Inc.
State: NC
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 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 explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2023-04-30
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from FCBS, Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, Ref # XXXX, requesting that I dispute an assumed debt of {$2300.00}. 

I responded to them within the 30 days limit timeframe with a debt validation request letter. To this date they have not responded, but the assumed debt continue to shows up on my credit report as a derogatory item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions 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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened two accounts online with Citi on XX/XX/21 and initiated bank transfers for XXXX $ and XXXX $ to fund the accounts. On XX/XX/21 Citi 's online banking system did not show the transactions so I called and spoke to two Citi representatives on XX/XX/21. One advised me that the transactions had been rejected, and another advised me that I did not initiate any transfers and that no money would be withdrawn from my initial accounts. Given the conflicting information I was provided, I closed the accounts. On XX/XX/21 Citi withdrew the money from my initial accounts despite being assured that no transactions had been processed and having closed both accounts. On XX/XX/21 I noticed the money had been withdrawn from my initial funding account. I called to understand where my money was currently. Again, I received conflicting information. First, I was told that the transactions had been rejected ( by one rep ) and should be returned to my initial accounts within 4 business days. Then, I was told by different representative that they received my money on the closed accounts and would be mailing a check to refund the money. 

I would expect a banking institution to be able to tell me where exactly my money is and provide consistent answers across representatives.

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 2020-07-06
Company: EQUIFAX, INC.
State: LA
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:
showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact InformationXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX
XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal Date	XX/XX/XXXXBusiness Type	Personal loan companies
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX   (XXXX) XXXX XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXXRemoval DateXX/XX/XXXXBusiness Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXX 
Removal Date	XX/XX/XXXXBusiness Type	Finance companies - non specific
Contact InformationXXXX XXXX XXXX XXXX XXXX, TX XXXX  (XXXX) XXXX



accounts : XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX/LA XXXX

address: not mine 
XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts and inquires have been opened without my knowledge and consent and I want them removed immediately. 

XXXX XXXX {$440.00} XXXX XXXX {$7000.00} XXXXXXXX XXXX XXXXXXXX {$1300.00} INQUIRY 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 2020-09-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2020 I tried to pre-order the XXXX XXXX XXXX XXXX from XXXX. This was advertised as part of a monthly installment payment plan of {$34.00}. The credit was offered through Citizen 's One. However, when I went to submit my order the request timed out and I was then told the product was OUT OF STOCK. 

I contacted XXXX to see if they could resolve the problem and was given a condescending reply from their customer service rep who offered no assistance and told me it wasn't his problem to fix. 

I then contacted Citizen 's Bank automated line. They told me I had a line of credit of {$2500.00} available to me for a purchase that never completed successfully. I waited on hold for 45 minutes before giving up - I have a job I need to tend to and don't have time for this. 

So my credit was pulled for a product/service that I never received and now I have an erroneous line of credit of {$2500.00} in my name.

Company response to consumer: Closed with explanation