BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution. XXXX directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. XXXX claims they recieved the alert from Equifax, who claims XXXX initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Just a few weeks ago, after I pulled my credit report from XXXX and review it, I found out multiple collection accounts that were not mine, also multiple false addresses on my credit report. Several years ago, I lost my personal documents, that could be one of the reasons of why those unknown accounts were on my credit report. After reviewing my credit report, I have no other reason but to believe that I am a victim of Identity Theft issue. The following collection accounts do not belong to me. Two alleged medical collection accounts with CREDIT COLLECTION SVCS partial account # : XXXX and XXXX. I am attaching a partial credit report and NJ Certified Debtor Search certifying that there is not any debt on my behind. I definitely do not recognize these accounts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 : XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}.

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 2023-10-03
Company: EQUIFAX, INC.
State: IL
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:
I was a victim of a natural disaster that took place XX/XX/2023. I notified this company to get on a hardship plan. To my knowledge the plan took place that day. Months later I pulled my credit and noticed they were reporting late payments to the credit bureaus. I immediately made a payment to bring this account current. I then requested for the late payments to be updated to XXXX. The company reimbursed me for late payments but did not remove the late payments from my credit profiles. I have disputed this several times. I have sent in proof of the natural disaster and have still had no luck. I am currently looking to buy a house and the late reporting is really affecting me and my family. I am asking for the XXXX accounts late payments to be updated immediately. This is defamation of character. 15 U.S.C 1681 states that there should be no damages on my report because its defamation of character. Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account number XXXX This is my final warning. IC SYSTEM and XXXX have until XX/XX/XXXX to remove this or I will file a lawsuit. You all have my account information and further tactics used to dodge this will not be accepted. 

IC System is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor IC System at the time contacted myself, my attorney nor the The Federal court. By law if IC System purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, IC system did not do this. Nor have they provided me with any proof that a debt is owed to them. IC System has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. IC system is attempting to fraudulently collect money they are not owed. I C system has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against IC system and XXXX on XX/XX/XXXX. This is my final warning to IC System, XXXX and all Credit Agencies

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 2023-10-20
Company: EQUIFAX, INC.
State: NJ
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-05-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Please refer to the events that happened regarding this complaint below : 1 ) XX/XX/XXXX - I applied for business credit card from Truist Bank. 

2 ) XX/XX/XXXX - Truist Bank approved the business card with {$20000.00} in credit limit and sent the card to me via mail. 

3 ) XX/XX/XXXX - I used {$20000.00} on the card. 

4 ) XX/XX/XXXX - On first statement, I found out Truist decreased the credit limit from {$20000.00} to {$6400.00} without any notice, and after I already used the card within the limit on XX/XX/XXXX. 

5 ) XX/XX/XXXX - Truist closed account due to over-limit balance on card. 

Sincerely, 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 2019-04-05
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am working towards loan forgiveness through the Public Service Loan Forgiveness program. I should be credited with making approximately 98 " qualifying payments. '' Fedloan is crediting me with 23 " qualifying payments. '' Fedloan will not explain their analysis, nor will they even make someone generally available to answer my questions. They will also not give me access to my records that they have ( or claim to have ) from other loan servicers, including XXXX XXXX XXXX. 

Additionally, part of the discrepancy is that lump sump payments were made on my behalf through the Department of Justice 's XXXX XXXX XXXX XXXX. There were 7 of these lump sums payments, putting me in " paid ahead '' status for 31 months. Fedloan is not counting these as on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2019-02-05
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX  XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS DATE:XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
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 the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX G SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX  XXXX XXXX XXXX, XXXX XXXX , fl 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 2018-10-17
Company: A-1 Premium Acceptance, Inc.
State: MO
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 client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, King of Kash, notified of the fraudulent inquiry made in to a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of a fraudulent inquiry into a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX  XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Dovenmuehle Mortgage, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle Mortgage has failed to pay my property taxes in the amount of {$5000.00} that were due on XXXX XXXX, 2020. They actually paid them on XX/XX/XXXX and then did a reversal of the payment on XXXX XXXX 2020. They are holding the entire funds in my escrow account and doing nothing to resolve the error. I have spoken to my local tax assessors office who informed me that Dovenmuehle has done the same thing with 8 or 9 other accounts that are now past due. 
I have contacted Dovenmuehle several times over the past month, they say they are investigating the error and will resolve it however nothing has been done and we are now approaching 30 days past due. 
I am worried that this is going to effect my credit rating or worse. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX has yet to respond to my complaint about an erroneous bankruptcy on my consumer report, and are still reporting it. I submitted a complaint with the CFPB on XX/XX/2023 and have yet to have any response from XXXX. They legally only have 30 days to respond and investigate my dispute. That time has passed. I will be taking legal recourse regarding this matter in 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 2023-04-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 explanation
Consumer complaint received 2016-05-06
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was currently enrolled in a program through the student aid institute where they charged me XXXX for the entrance fee and XXXX dollars a month to maintain. Student aid institute was shut down with no warning and now my loans say I owe XXXX dollars for two months. I want my money back and to get into a program and I cant get a response from anyone. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple credit inquires without my knowledge XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have XXXX credit card for the last several years. The account was with XXXX XXXX XXXX ( XXXX ). There was a promotional balance transfer offer of 0 % interest rate until XX/XX/XXXX with a 4 % transfer fee. I availed this offer and transferred {$29000.00}, with 4 % transfer fee, the total balance in my XXXX account was {$30000.00} Subsequent account statements from XXXX did not charge me any interest or other fees, I was paying the minimum amount to be paid as stated on the statements. 
The account was transferred to Comenity Bank in XXXX, XXXX ( by the bank, not by me ). Subsequent statements started charging very high interest charges on the balance. 
I contacted Comenity Bank at least XXXX times with whatever document I had. I contacted XXXX to provide additional documents. However, XXXX said they don't keep any documents when the account transfer happens. All documents are with the new institution. 
I submitted my email of confirmation of the balance transfer with the promotional offer, I submitted the last XXXX  statement where no interest charges or fees and the first statement from Comenity Bank where interest charges started. Still, Comenity Bank came back that the charges are right. There is not enough proof of the promotional offer. 
If XXXX did the transfer of my account to Comenity Bank, it should be Bank 's responsibility to keep all the information and provide right treatment. Even after I submitted enough proof, Comenity Bank came back that it is not enough. 
I am with high stress because of this injustice. Would appreciate help. If you need any information, I will be happy to provide whatever I have and that should be good enough. I have attached the confirmation email of the transaction completed with the promotional offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
We, Experian, purchase personal data from third-party companies that collect and aggregate personal data. Data resellers collect personal data from a variety of sources, including directly from consumers, through devices and browsers, public records, news sources, and from other businesses and data brokers. How dare you be able to do that? My privacy is very important to me. I have released damages in so many wrongs with your handling of my 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 non-monetary relief