BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion fail to contact the furnisher after I was unsuccessful to do so because XXXX refuse to answer a certified mailed letter requesting for a application for credit with my signed signature consenting to this unauthorized hard inquiry. 

I was informed by Transunion to personally contact XXXX for further information which I did so. 

It has been exactly 60 days from the day XXXX recieved notification from me and they continue to not response to the FTC and myself ... this unknown company has refuse to acknowledge the laws and rights of consumers requesting information in a dispute.

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 2018-07-09
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. She received a collection attempt from Credit Counsel , Inc on  behalf of XXXX XXXX XXXX for {$1400.00} dollars, an amount that she has advised is related to an issue of identity theft. This issue as well as other has been reported to the XXXX Police Dept for investigation. An official dispute of this account was sent to Credit Counsel Inc XX/XX/2018 ; as of this date Credit Counsel Inc has not provided any update as the status of the investigation of this issue which is a violation of the FCRA and FDCPA since this account was reported to my client ; s credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked Portfolio Recovery to stop calling me during work hours, but they continue to do so. I normally receive 4-5 calls weekly and they have been calling my wife 's number as well and it's not even in her name. I can never tell if it is them calling because they call from a different number every time. I have a job where I am on the phone a lot with a lot of different people so it is extremely disruptive to my work and I have told them that.I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
Company: Mercedes Benz Financial Services
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 information incorrect

Complaint:
In 2019 I Voluntary Repo my XXXX XXXX because I had to leave a XXXX XXXXXXXX marriage and I was unable to afford the car as my ex-husband paid the car for me. I gave the car back and let them know I was unable to pay for it. I called Mercedes Benz financial yesterday and spoke to a woman and informed her that the account shows as opened which basically appears i still owe XXXX dollars a month for a car I do not own. I asked her to tell me what happened to the car and how much did they sell or auction the car off because it is my legal right to know how much money they received for the car as they can not continue to report on my credit report that I owe this when they have already received payment for the car. The lady said she was not allowed to tell me that. I asked her how I can get this taken off my credit report and she said you need to call the company who we sold the debt to. I asked her how I can find the people that hold the debt so I can speak with them she said she didn't know and didn't have any contact information to give me. I know it is my legal right to know how much they sold the car for, and that balance should be taken off my credit report as balance owed. There were no legal or repo fees as this was a voluntary repo. I do not owe this company and this needs to be removed my credit report and considered a closed account or a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Today XX/XX/2021 at Approximately XXXX I called my banking institution US BANK Regarding my XXXX dispute for an authorized debit of {$1100.00} ; which XXXX manager miss XXXX XXXX fraudulently went behind my back to take out, while I have made weekly payments. Instead of my banking institution permanently reversing the action. I was told by manager XXXX that letters were sent out to me for additional information. Information that was already provided upon filing my claim with US Bank. I am so happy that all calls are recorded for quality purposes. 
I was told because I gave XXXX my card number for the transaction amount of {$200.00} as well as other amounts. That they charge my card for an unauthorized amount of {$1100.00} isnt fraudulent. 
I then asked Miss XXXX a supervisor for US Bank, If it is OK to authorize a transaction for one agreed amount, then the merchant takes it upon themselves to authorize a second amount, which was not communicated prior to said in authorize transaction? 
Miss XXXX was preparing to hang the phone up on me, instead of answer my question.

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 2022-04-05
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of 2022, in response to a goodwill requests, my rights were violated. 

15 U.S.C 1681 Section 602 A states I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: DE
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:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 

I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following account/s : OAG Child SU - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX This agency is in violation of 15 USC 1692g.

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 2023-09-07
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX  I contacted Netspend regarding an email welcoming me and requesting that I activate the card that I had received. I called Netspend because I did not apply for a prepaid card and asked them to confirm if I had an account opened with them by someone due to the email I received. They refused to give me any information because I did not have the card in question as I kept explaining that I did not want a card nor did I apply for one. I called them because I was concerned about fraud or identity theft. I wanted to k kw why I received the email since I did not apply for any prepaid card account. They told me they couldn't help me and to contact the FTC. After, many attempts, they refused to give me any other information.

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: 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:
I have no association with the mentioned creditors, and I did not initiate the inquiry in question. I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
All XXXX credit bureaus and XXXXXXXX XXXX  are reporting inaccurate information on this account as follows : XXXX. Last reported date is inaccurate. The account was closed in XXXX by me. 

XXXX. Date last active is also inaccurate due to the last payment made and account closure request by me in XXXX. 

XXXX. All XXXX bureaus are showing payment history well into XXXX that did not exist after 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 2022-08-28
Company: Experian Information Solutions Inc.
State: SC
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:
On XXXX I disputed inaccuracies, I came across my credit report from Experian, and XXXX XXXX XXXX XXXX XXXX 


Both credit bureaus had vast discrepancies in the information reporting, although their investigation results dated ( Experian ) XXXX advised they were still investigating, and it should be completed by XXXX. Which is past the 30 days allowed. The investigation did not change information reporting, there are still inaccuracies. I sent a method of verification request on XXXX via certified mail. That request was ignored by both credit bureaus. I have yet to receive that information which is now past the statue time.

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 2023-09-06
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 non-monetary relief
Consumer complaint received 2023-06-09
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:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a single mother and I am trying to buy a house so I discovered some damages to my credit report. I It's a defamation to my character. need you to attend the following shown items in this letter which contain data taken directly from my credit report which you have provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 

I did not initiate any of the inquiries that appear on my credit report. I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information 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 2023-09-07
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to apply for me an apartment and they told me I wasnt approved because they said I had a close account worth XXXX in dept which seemed odd because Ive never applied for a car before I always had the same car since my XXXX birthday since the lady told me this info Ive started to see mail come to my house that say debt collectors etc. Im not sure how someone would be even able to get a car in someones name with out them being there these car allots just want money they dont care if people have the right information or LEGAL information.

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 2023-03-29
Company: AMERICAN EXPRESS COMPANY
State: MD
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 did not make these inquires. I did not grant permission for these inquiries. It is likely that these inquiries are the result of fraud. I would like each company to provide written proof that I gave them my written permission to access my credit report. I have made an effort to resolve this where I have good contact number. Those companies have not been helpful. Instead, they have given me the run around. I have I contacted the credit bureaus and they send me back to the companies. This is extremely frustrating. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Multiple complaints with Comenity bank XXXX 's card, late fees, online bill pay not working, notes on their page saying they apologize for the update to their system still not working ( its been months ) or sorry a technical glitch occurred payment could not be proccessed. 
XXXX made never showing or being deducted from bank account. 
XXXX XXXX same thing XXXX Same thing XXXX XXXX same thing. 
I actually even commented on your page pertaining to comenity back back on XX/XX/XXXX that it was a miracle i was actually able to make an online payment with XXXX, only to find out in XXXX when they started blowing my phone up that i was a payment late, XXXX late fee etc. I argued with the lady and she admitted thayy have had serious issues, understood my frustrations. 
My credit is suffering, my balances not going down because you either cant make a payment, think you did make a payment and they show nothing. Ive already had XXXX complaint in with cfpb, you handled it, however it started all over again. They are absolutely horrible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notification XX/XX/21 from the major 3 credit bureaus ( XXXX, XXXX  & XXXX  ) that a debt was owed from collection agency Caine Weiner. There's no contract with this collection agency that shows I owe a debt. Collection agency doesn't have the right to collect if there's no legal binding contract signed by me or any company I represent showing I owe Caine Weiner. This collection agency Caine Weiner also violated Section 623 of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
tried several times to open an account using their web application of CITI bank. I am opening a checkings account. I kept getting a rejection. 
I was asked to call and have a person directly open the account which I did. I received a welcome package for my account. After filling out the verification forms for my account I got no other word from the bank. I decided to call the bank to find out what is going on with the account only for them to tell me that the bank account has been set for closure without providing me any further information. I would like to get some explanation for this behavior but I am convinced this is because I am of XXXX nationality because I know my credit score is Excellent

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 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX  / {$0.00} / 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 explanation