BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: VA
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 has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A 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 non-monetary relief
Consumer complaint received 2022-04-25
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.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: FCI Lender Services 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:
I bought a home back in XXXX I dealt with mortgage forward with XXXX  XXXX bank I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was two parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX  I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX FCI lending they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for XXXX XXXX and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.

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 2023-10-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
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: Information belongs to someone else

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Account was opened, while I was in XXXX  ( which is XXXX  ). This could not have been opened by me because it was no way I had access to phone, computer, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: SC
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 been having a terrible experience with Experian and XXXX XXXXMy credit score was XXXX as of this month of XXXX up until XXXX XXXX it dropped tremendously 120 points back to XXXX over night, due to a XXXX  XXXX account for the balance of {$950.00} and according to my credit report it's saying this account was opened XX/XX/XXXX XXXX.I have no knowledge of this and I disputed it quite a few times till finally It was removed in XX/XX/2019 and and it was taken off my credit profile but now its back on there and I informed Experian about this matter and although I have a security freeze an Experian representative told me that XXXX  XXXX broke or lift my security freeze which is illegal i'm thinking for one and to add to that this account isn't mine, and I worked very hard to get to this status and explained to them I been a victim of identity theft and did the report online and they have it on record, Infact all three bureaus do. This is hindering me because literally I'm been pre-approved for a mortage loan and i'm literally in a middle of closing and all documents been signed for both parties, now the lender gon na submit my documents to the underwriters and then this happened with my score dropping over night out of no where down to XXXX but just the day I was at XXXXPlease if there's anything you can do to fix this matter like yesterday, I will greatly appreciate it.By the way I know there's people in this world that don't mean well with no go intentions but i'm not one of them.I ; m an genuine honest guy and family man and a XXXX  XXXX   and just wan na do right by my family and be able to purchase the home we deserve.I work on the road alot working XXXX  XXXX at XXXX XXXX  and XXXX  XXXX  and barely home my personal info has been probably vunerable and leaked on the dark web, Which I stated this in my identity theft reports

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 2018-09-30
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent the money to XXXX through bank to bank transaction with XXXX XXXX on XX/XX/XXXX. It informed me that it will take upto 5-7 days. I wrote my issue online to them where they replied saying they will have an answer within 24 hours but never contact me. I called the company after 7 days to address the problem that the receiver has still not received the fund transferred in their bank account. They just emailed me a form with the status that the money is transferred successfully! 
This is the slowest company I have ever used the service of ( even to respond to the issues ) I just demand my money back and will not use XXXX XXXX ever because they do not have a proper system of resolving their customers ' issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TN
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 Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information they include on my credit report, but currently, they are failing to do so. They have listed an erroneous address : XXXX XXXX XXXX, XXXX, MA, which should be correctly stated as XXXX XXXX XXXX, XXXX, MA XXXX. The law, specifically 15 U.S.C. 1681e ( b ), mandates that all details must be precise and consistent across different reporting agencies, which is not the case at present as they display varying addresses. This incorrect address reporting by Experian is a breach of my federal consumer rights. Moreover, Experian has not been granted any written consent from me to report these inaccurate late payments on my consumer file, which constitutes a further violation of 15 U.S.C. 1681b ( a ) ( 2 ). It is evident that Experian has infringed upon my rights protected by the FCRA, and this wrongful reporting has inflicted significant damage to my reputation, leading to discrimination and emotional distress. I demand that Experian remove the incorrect address of XXXX XXXX XXXX. XXXX, MA XXXX from my report without delay.

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 2022-05-05
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
COMENITY BANKXXXX XXXX IS STILL REPORTING ON MY CREDIT AND THEY ARE IN VIOLATION. I WROTE THEM MANY TIMES TO VALIDATE THE DEBT AND NO RESPONSE. I SENT THEM A POLICE REPORT AND ITS STILL REPORTING ON MY CREDIT. I NEED IT TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$43000.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX Balance : {$6600.00}, XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$1500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$14.00}, XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$5.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$22.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Exeter Finance Corp.
State: AL
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:
Earlier this month, I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless reports and disputes with the companies included in this complaint. The credit Bureaus have failed to remove these accounts as well. This is prohibiting me from purchasing a home. I was a victim of identity theft and reported it to all the parties involved. I have yet to see these items removed or blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX I filed a dispute regarding inaccurate items on my credit report with Equifax and supporting documents to back up my claim. They updated my account with inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 I disputed the following : 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 with XXXX , XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA. Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Equifax are reporting several XXXX XXXX payments as being late when this is not correct because my payments come directly out of my paycheck every month. XXXX is reporting it correct as never late paid on time. Why is this? This is the account that i'm requesting be updated. XXXX XXXX XXXX XXXX Opened XXXX. Dates reported late are XX/XX/XXXX, XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account Number. XXXX Maturity Date. XX/XX/XXXX.

Term. 24 Months I invested {$1000.00} on XX/XX/XXXX because BBVA Compass promised {$27.00} after 2 years. It has been more than 2 years. 

I had to pay the notary public {$15.00}. postage of {$0.00}. 

I want my money back {$1000.00}. I do not want the maturity date altered to XX/XX/XXXX. 

I want BBVA Compass to pay me {$1000.00} right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting erroneous and derogatory information. 
See attachement below

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There are three ( 3 ) derogatory items on my credit report from XXXX XXXX XXXX reported on XXXX XXXX, 2023 for the following amounts : XXXX XXXX XXXX  These are medical debts under XXXX these debts Starting in 2023, medical collections tradelines less than {$500.00} should no longer be reported on consumer credit reports. I have asked the credit bureau to delete these debts from my credit report multiple times.

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