BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,

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 2023-09-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : Equifax I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Northwood Asset Management Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX My Grandma had received a phone call from a company stating they needed to speak with me, I am unsure how they got her information. I called the agency, they had said I owed a debt and needed to pay it as soon as possible to stay away from legal action and brought up tax season. The gentlemen stated he would be sending me information to my e-mail since I told him this debt was already paid and had a letter that gave a confirmation number, I submitted it to this company but they stated it was not valid. I provided this gentlemen with an e-mail address three different times, along with sent an e-mail with the paperwork I had. XX/XX/XXXX He still did not send me information on the loan I supposedly owe. I have proof the loan was paid through bank statements. He was very rude and even brought up contacting my work and this going on my credit report. Pushed me into setting up a payment arrangement. The phone number I was receiving calls from was a different one I was told to call.

He said he was from NAM Group in XXXX, NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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 this account Bankruptcy Case number ( XXXX ) on my credit file with proof for 12 months with Experian, XXXX with the investigation coming back as verified each time. 15USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has been reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case included. I have a letter from the court stating they don't report to credit bureaus have a letter from lexis nexis saying the bankruptcy was deleted from their report so how can Experian and XXXX could have done a proper investigation. I sent same information to XXXX and they removed the item from 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 2020-07-24
Company: EQUIFAX, INC.
State: WA
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:
Hello After reviewing my credit report, There is alot of inaccurate information reporting on my credit profile. I have reach out to creditor as well as the 3 Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mine. I'm a victim of identify theft as well as Covid19. I also reached out to credit Bureaus 2 months ago almost with no resppnse. I'm asking for those itens to be removed that does not belong to me. 

See Attachment. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance & 15 US CODE 1681o Civil Liability for Negligent Noncompliance & 15 US CODE 1692k Civil Liability. 15 US CODE 1681c-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN XXXX BUISNESS DAYS AFTER THE DATE OF RECEIPT.

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 2018-04-10
Company: UMB FINANCIAL CORPORATION
State: MO
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:
UMB Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked UMB to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX XXXX XXXX. I am complaining again because I was not satisfied with any of the responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been XXXX for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA these unauthorized inquiries and accounts must be removed

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 2020-09-26
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I'm constantly being harassed by Credit Collection Servic in the amount of XXXX. The account has been closed by previous company. I asked Credit Collection Servic to not contact me any more, or I will seek legal action against them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I bought a Netspend card at XXXX in XXXX, MA on XXXX XX/XX/2018 at XXXX XXXX  for {$68.00}. I called the company and activated it then attempted to use the card but It wouldn't work. I called Netspend back and tried to resolve the issue the same day. I ended up asking for a supervisor. While talking to him they said they could issue a refund and it would arrive in 7-10 days. I told him that would take too long and asked if there was any other way to resolve this sooner. he said no. I then informed him I rather keep the card and he told me it was too late they had already cancelled the card. Since this started I have spoke to Netspend around 5 times and XXXX around 5 times as well. It's been 17 days and I have yet to receive a refund. There is no tracking number and no one will further assist me. At this point Netspend constantly claims " you will receive it by mail tomorrow, '' which is never true and XXXX refuses to help at all aside from telling me to call Netspend. Hopefully you can hold XXXX responsible as well as they refuse to take any responsibility at all. I just want my money back and I feel like I have been robed by XXXX and Netspend. Neither seems to care at all.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXXXXXX XXXX  ran my credit with ; Trans Union, XXXX and XXXX Trans Union, XXXX and XXXX then sold my information to mortgage lenders. Today, XX/XX/, I have already received 27 calls in 2 hours from individual mortgage lenders. I have asked them to stop calling and have blocked them. After contacting XXXXXXXX XXXX, i was told that in all probability these groups probably sold off my personal information, which is interesting because these are supposed to be the safe organizations.

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 2019-03-16
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with this company on XX/XX/XXXX. In addition to the bi-weekly deductions that are set to cover my payoff I made an additional payment towards the principal balance only and they never applied it to the principal amount. I called to make an additional payment towards the principal balance on XX/XX/XXXX and was told my payment would not be applied to the principal. I am trying to pay the balance of this loan and it seems my efforts are not working. The loan was originally for {$2800.00} in XX/XX/XXXX and I have made bi-weekly payments of {$170.00} starting in XX/XX/XXXX and the balance is currently {$2700.00}, I understood this was a high interest bearing account but when trying to pay towards the principal balance my efforts are being thwarted. I need someone to look into this and provide me with a reason I can't seem to pay this loan down. I was told by a representative I will have to call on my payment due date to pay {$700.00} towards the principal and still have to pay the {$170.00} that is due at that time this just doesn't make any sense to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/ 2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00}

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 2018-04-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I noticed that my Experian credit report displayed several unauthorized hard inquiries that were made by XXXX XXXX. I then reached out to XXXX Executive Office 's, disputing that the inquiries made by XXXX XXXX on my Experian credit report were unauthorized and without permissible purpose. XXXX responded, stating that XXXX had no knowledge of the inquiries that is being reported on my Experian credit report, and provided supporting documentation to that fact. Although I provided Experian with supporting documentation from XXXX, that the information Experian is displaying on my Experian credit report is inaccurate and false, Experian still displays the inquiries.

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 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Being retired, I depend on interest I earn on balances I keep with online banks. I recently applied to open an online banking accounts with XXXX, a division of XXXX XXXX XXXX XXXX XXXX paying 2.25 % p.a. interest. 

XXXX advised be by email that I was turned down and mailed me a letter which I am attaching to this complaint. The Notice mentions that the Bank obtained a report from Transunion. My credit score having never been under 800 and currently hovering at XXXX, obtaining credit was never an issue. In this instance, I am not even establishing a lending relationship, but a deposit account. I have several other online bank accounts. I have no debts or mortgages. 

After obtaining my Transunion report online, and finding nothing damning on it ( quite the contarry, I spoke to Transunion who agreed with me ( well, someone at a call center in XXXX agreed with me ) and asked me to call XXXX. 

I spoke with XXXX and I was told there was an alarm in the report they received from Transunion. Since I can not see anything alarming in my Transunion report, and neither apparently can Transunion, I feel powerless. 

I appeal to CFPB to contact Transunion and XXXX to resolve what is a mystery to me. Thank you in advance. I am attaching documents in support of everything I have mentioned above. 

XXXX regards, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: OK
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 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