BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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: Credit inquiries on your report that you don't recognize

Complaint:
In Accordance with The Fair Credit Reporting Act XXXX XXXX- XXXX XXXX 2021 XXXX  XXXX - XXXX XXXX 2021 XXXX XXXX- XXXX XXXX 2021 XXXX XXXX XX/XX/ 2021 XXXX XXXX - XX/XX/ 2021 XXXX  Acts 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 2023-12-09
Company: Experian Information Solutions 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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: Bridge It, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been a customer of Brigit since XX/XX/2022. Brigit offers pay period loans as well as credit builder loans and financial planning services via their app and website. I used their payday loan service and often tracked my spending on the XXXX version of their app as I own all XXXX devices. I was mostly satisfied with their services until I tried to buy a home. Two days before closing on the intended home the FHA loan underwriter requested an official account statement from Brigit to ensure that I did not owe a balance to the company or that I was repaying the payday loan as outlined by the agreement between Brigit and I. After searching the app and the official Brigit website I could not find a source to procure an official account statement or any other documentation that could satisfy the requirements to be accepted by the FHA loan office. I reached out to Brigit via their email as their website declared that their preferred method of contact for customer support. I was emailed back the following day a person named XXXX whom I can only assume must be employed at Brigit as a customer service agent as she did not disclose her title within the company. XXXX stated that Brigit was not a bank and thus not obligated to provide me with an account statement. I immediately replied to XXXX 's email asking if there was any other official documentation that could prove any good standing between Brigit and myself. My replay has been left unanswered for over a business day and still has yet to be answered. This caused me to look for other resources and my discovery of CFPB and the XXXX XXXX. After this research I reached back out to Brigit by replying to XXXX 's email again informing her of the information I had gathered and if I was not properly assisted in a proper time frame and if Brigit was not going to comply with US Federal law I would be reporting the company to CFPB and seeking legal action. Due to negligence and non-compliance of Brigit I could be penalized by being denied my almost complete FHA mortgage opportunity, causing me tremendous financial loss, placing a negative impact on my credit, and leaving me homeless. Brigit has still yet to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: FL
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:
Wrong information reported on my credit accounts accounts have been on there too long over seven years almost 10 years I tried to dispute it. Theyre letting them refresh my charge offs and making matters much worse. They have turned one of my charge jobs until revolving account and collections when its the charge off.

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 2020-07-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2021-03-10
Company: NATIONWIDE ACCEPTANCE LLC
State: OH
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:
There are numerous unauthorized inquiries on my credit report that I would like removed as soon as possible due to I did not apply for any credit

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect Personal information on 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NY
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2021-09-05
Company: CREDIT ACCEPTANCE CORPORATION
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:
on XX/XX/XXXX, XXXX I sent letters to Credit Acceptance about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NM
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:
My Identity was used to rent an apartment in XXXX. I have owned my home in XXXX XXXX for XXXX years. As a result XX/XX/2023 a collection reported on my credit report from XXXX XXXX XXXX for {$2900.00} from an apartment I found to be in XXXX called ; XXXX XXXX at XXXX XXXX XXXX. I have never lived here, this is fraud and I tried to contact the apartment complex for " validation of debt '' they were no help and advised me to contact the credit bureaus. I sent certified mail letters to the credit bureaus XX/XX/2023 disputing the fraudulently opened account and they did nothing about it. I have had no other collection accounts on my credit file in my XXXX years of life. And now I am unable to obtain credit to support my family, do to the fraud. I have also filed an ID Theft report with the FTC.

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 2023-05-09
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:
To whom it may concern I have already gotten this account off of my report due to inaccurate information along with selling my information without my consent to a collection agency and I also had this removed a long time ago and they have brought it back onto my credit report as a new account. 

It is also hurting my credit score and I need this to be removed AGAIN IMMEDIATELY! If not I am in touch with an attorney that is ready to take legal action. I am asking nicely to please remove this from my account but it is unjust and unfair that they are doing this to people. I will leave the account information below. 

XXXX XXXX XXXX  Original creditor : 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 2023-05-22
Company: EQUIFAX, INC.
State: LA
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 name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-07-07
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-09-17
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was sending XXXX to " XXXX XXXX '' for " electricity '' then my phone died before I got confirmation that the transaction was completed. When my phone was charged and I checked the history, it said I have send the money to XXXX XXXX and for " work ''. After that I checked my email for the cash app receipts of that transaction, and combing through all mail that was never received, the email from cash app that I've sent it to XXXX XXXX. So I changed my pin, changed my password, block the person, request for refund, and contacted support. Gave them the whole explanation of I never sent money to XXXX and its impossible for me to mistaken when cash app will warn me about sending to someone outside of my phone book, and be incoherent where I would send money to strangers.i would like to know what caused this issue so I can decide for myself if cash app is secure enough for me to rely upon. Also to get my XXXX back. Reference to cash app case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX veteran that was approved for property tax exemption that became due on or after XX/XX/XXXX. I have submitted the required letter to my mortgage company, Freedom Mortgage on multiple occasions. Additionally, I have submitted the tax exempt letter in XX/XX/XXXX to XXXX XXXX XXXX and XXXX XXXX, where I reside in PA. I have requested multiple Escrow account analyses in order for my new, tax exempt payment to be reflected in my mortgage payment. These were requested in XXXX and XXXX. All Escrow Analyses came back with an increased mortgage payment due to my account having an escrow shortage of {$160.00}. This was communicated to me due to an increase in my homeowners insurance, which was increased by {$96.00} effective XX/XX/XXXX. 
I was contacted in XX/XX/XXXX by XXXX XXXX, Tax Officer in XXXX XXXX, PA stating that Freedom Mortgage incorrectly paid my tax bill to the county and township and that I would need to be issued a refund check considering I am exempt. I have since received my refund check from XXXX XXXX. 
To date, my account with Freedom Mortgage is still not reflecting a new lowered payment amount and still does not reflect my property tax exemption. 

I have contacted Freedom Mortgage via phone and their message center and have gotten no resolution.

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 2022-07-07
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing a bankruptcy showing on my report for years. XXXX  and Experian refuse to investigate and provide verification on who they spoke with to obtain the information used to verify this bankruptcy as belonging to me. I have mailed XXXX  and Experian documents relating to the bankruptcy, proving that the bankruptcy should not be shown on my credit profile. They refuse to remove it resulting in my credit profile suffering tremendously. XXXX  and Experian also refuse to remove inquiries on my profile that were not authorized.

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 2023-12-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXm writing in hopes you can assist me with a major setback in my life. Back in XX/XX/2023 there was death in our family which created a ton of complications for me. The entire experience was traumatic and has set me back emotionally and mentally. I totally spaced it and has never had a late payment with this company. One of which was I mistakenly misplaced my AMEX statement & had forgotten about until I received my most recent statement. Once I realized I was behind I immediately sent in my payment but in XX/XX/2023 you reported me 30 days late. I make it a point to maintain a great credit history & you can review my history and see Ive never had an issue with making my payment ( XXXX ) on time. This late payment is now impacting my ability to get a new loan & has adding additional strain & complications with my family life. I understand it was my responsibility but Im hoping with my good payment history & long-standing positive relationship with you, could find it in your heart to help me by removing the late payment as a courtesy of my hard times? I would love if you could in your good grace help me because I need to find a new house due to the XXXX  and the late payment is impacting my ability to get a loan. The removal of the late payment would allow me to move forward with many areas of my life & alleviate some of the struggle Im enduring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Asked for them to correct issue with the incorrect payment report and their response was very spiteful, they lowered my available credit for pointing put a mistake with their phone payment system can provide proof of years of same limit, them when I complained magically thir retort was lower my limit. This is abuse of their power

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 monetary relief
Consumer complaint received 2023-05-22
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: 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 explanation