BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names : # XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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:
Experian is in Violation of FCRA rules section 1681. For continuing to report an inaccurate inquiry on my consumer credit report. 

Company name : XXXX credit card services no permissible offer was presented, no loan or credit has been awarded. This is a violation of FCRA rules.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2022-12-20
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: LEXISNEXIS
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information their reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
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 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  ( Original Creditor : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # 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 an account without my written instructions! In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; My rights are being violated all these account numbers are also reporting incorrectly under. 15US code 1681 e ( b ) Accounts numbers : arent a 100 % accurate if the full account number is not reported and missing 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
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18000.00} XXXX XXXX {$2600.00} USDEPED XXXX {$7100.00} XXXX XXXX {$1500.00} USDEPTED XXXX {$4300.00} USDEPED XXXX {$4000.00} XXXX XXXXXXXX {$290.00} XXXX  XXXX {$100.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}

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 explanation
Consumer complaint received 2020-08-05
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Three different medical accounts were placed on all three of my major credit reports by Kings credit Services in XXXX, CA. I have sent them a request of verification letter which ask for original creditor, amounts owed, description of why the amounts are owed, and original statements and documentation from original creditor to verify that this debt is valid. A response was received with someone else name on it and amounts being billed. Any information pertaining to why the amounts were being billed blacked out. I have a right to know why I am being told that I owe the amounts in question. I have no way of verifying if this is a legitimate debt. I can't check to see if the correct amount was charged for the procedure, if the procedure was even done, or if a particular doctor was seen. Further I can not not determine if my insurance was billed correctly or at all. I have no way of knowing if this is a true debt. I had contacted the original creditor that is listed on my reports and they verified no record of me seeing the Doctor in their office. XXXX  XXXX XXXX XXXX XXXX  ( original creditor ) billing department said they spoke with XXXX at Kings Credit Services and was told KCS linked me to my spouses account. Although California is a community state I have the right to know all the details of why I am being asked to pay an amount listed on my credit report. In addition I was never giving a statement or bill from the original creditor ( they claimed they sent it to my spouse ) nor had I received one from the collection agency. FDCRA requires notification of debt owed before placing item/s on my credit reports. With out all information and detailed information the debt is unverifiable and must be deleted off of all my credit reports. Vital information needed to verify that is blacked out indicates this is fraud and/or can not be verified by Kings Collections services. It is their obligation to verify all information from original creditor and pass it on to me in it's original unaltered form. I am not obligated nor able to communicate to original creditor, especially not about someone else 's account. KCS had thirty days to verify or delete. They failed to verify and have not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationstar Mortgage, LLC acting in the capacity of a debt collector, filed a lis pendens against my proper without sending me notification of the debt claimed under 15 U.S. Code 1692g.Validation of debts. Nationstar Mortgage LLC has slandered title to my property and is in violation of 15 USC 1692 by not sending the required notice. I have never been indebted to Nationstar Mortgage, LLC. Nationstar Mortgage, LLC has never extended credit to me. Nationstar Mortgage, LLC filed falsified  documents in the XXXX County land records for the sole purpose of foreclosing on an unsecured promissory note. Nationstar Mortgage used a promissory note, which I did not sign, to steal my real property under the false pretense of being the holder of the mortgage and the note. Nationstar Mortgage, XXXX has never been the holder of the mortgage. Nationstar Mortgage, XXXX has never been the owner of the mortgage. Nationstar Mortgage has stated in multiple documents that XXXX XXXX   is the owner of the mortgage and the note. The note was securitized, which makes it unsecured. Nationstar Mortgage, LLC can not lawfully enforce a mortgage with a note that has been bifurcated from the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
LoanCare seems to think they dont have to call me concerning the complaint, and they claim it is a duplicate complaint which it is. Complaint ID XXXX I am waiting on the phone to discuss the product and complaint at hand. It was securities fraud in XXXX as indicated in the PDF Uploads Ive provided to them. I have also contacted XXXX XXXX Fraud alert, and waiting on a reply from them as well. Tomorrow I will be reaching out to the FHFA concerning the fraud that was perpetrated on my family during the XXXX Scandal, and XXXX XXXX XXXX. The assignments to XXXX, and LoanCare playing the servicer for XXXX XXXX the investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, this complaint is in regards to MED-1 Solutions , LLC, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX phone number ( XXXX ) XXXX. 
I received a phone call on XX/XX/31 at XXXXXXXX XXXX about an alleged debt that was owed. I asked what the debt was for and they stated it was for a hospital visit. I stated I had not received any documentation about said visit and requested they send me documentation. They said they had already sent me documentation, which I again expressed I had not received. He then went on to say they would not send me any documentation about the charge and insisted I just had to pay without knowing what the payment was for. 

I hung up and called back in to speak to someone else and she let me know they can certainly send me information in regards to the debt. I do not appreciate being harassed by the male I spoke to, and being told I have to pay a debt without knowing the specifics behind what the debt pertains to. 

She noted that he certainly should have let me know there was an option to have that documentation sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Netspend Corporation
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This dispute is with reference to a {$200.00} deposit I paid to XXXX at XXXX XXXX on XX/XX/20. I split my deposit into different payment methods. {$100.00} was charged to my debit card ending XXXX. The transaction posted on XX/XX/20. 
The total for services was to be {$500.00} and the remaining balance was due at the time of service. My appointment was originally scheduled for XX/XX/20. It did not occur because the world shut down due to the COVID-19 pandemic. 
I sent a text to the merchant on XX/XX/20, XX/XX/20 asking how things would be handled and received no reply. I then got an automated text message confirming my appointment on which was followed by an automated cancellation notice on XX/XX/20. There was still no actual reply from the merchant. That is when I submitted the dispute with NetSpend. They did not reply within 10 business days, and deemed by disputed resolved with no errors based something they stated merchant provided will after deadline, and stated I never sent verification which I did. The merchant did not reply to me but was able to keep my money. I am out {$100.00} and they seem to be protecting the merchant and not me. My other bank took action immediately on behalf and they are following the same regulations, yet I am being giving push back and excuses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2021, XXXX XXXX XXXX XXXX withdrew {$500.00} from my acct related to the Check n Go payday loan. I believe that I was scammed because the {$500.00} has not been applied to my payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit report and noticed some credit inquires and accounts that do not belong to me! I have filed an Identity Theft Report with Fair Trade Commission for the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not mine : 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 non-monetary relief
Consumer complaint received 2023-11-17
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: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation