BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Referring to Account # XXXX from XX/XX/2017 with an amount of {$16000.00} 15 U.S. 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 4 business days after the date of receipt.

It has been well over 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Cakiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote + consumer. No consent was given.

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 2021-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the consumer this is not a XXXX party speaking on my behalf. I have submitted numerous letters to each credit reporting agency to have items that i the consumer, did not give consent to be on my consumer report removed. The companies continue to verify the information without submitting the method of verification and providing documentation of the investigative consumer report. There are also accounts listed on my consumer report that are not mine and are fraudulent. Pursuant to 15 USC 1681a ( 4 ) this is a violation of my privacy because these agencies are furnishing private information without my express written consent, these actions also constitute identity theft by each credit reporting agency.

While the agencies continue to report these accounts as verified this is also a violation of federal law and fraudulent activity on the part of each of the credit reporting agencies. Pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ), information reported can not be only transactions between myself the consumer and the companies listed on my consumer report. Furthermore, I, the consumer was never given a chance to direct whether I wanted certain information furnished pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ), neither of these agencies offered me a chance to opt out of the reported information.

I, the consumer am also aware that using the identifying information of another person without authorization constitutes identity theft in accordance with Regulation V 12 CFR 1022.3.

Pursuant to 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. I, the consumer, never gave express written consent or authorization for any negative information to be furnished. These reporting agencies have committed fraud by using my identifying information without any lawful authority to furnish the information, by definition these credit reporting agencies have committed identity theft.

Pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with all furnished account information is not relating to any transaction by myself, the credit reporting agency is required to place a block on my consumer report on the information associated with the accounts listed within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I sent each credit reporting agency an identity theft report filed with the Federal Trade Commission with identifying documents attached ( drivers license, social security card ) and a statement from I the consumer, via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the attached {$120.00} broadband bill for period XXXX, although I returned my equipment and terminated services on XX/XX/22, in a XXXX store location in XXXX XXXX XXXX 

XXXX confirmed the return of my equipment and the cancellation of my account on XX/XX/22 and when I asked why I was being charged the entire month instead of 2 days, I was told that " they do not prorate monthly service '' and I was expected to pay the entire bill. When I protested, I was told that " that is company policy ''. When I asked for proof of this in writing in any agreement I had with them, I was told again that it is " company policy '', and no proof was provided. 

I have now been sent to collections ( Sunrise Credit Services ), attempting to collect a debt that is not mine.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian continues to report display closed accounts To have a negative impact on my credit profile Ive asked that these accounts be deleted if closed and paid off to avoid loss of points on my credit score The account is XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/ Status Paid, Closed. 
Status updated XX/XX/ Theres no reason to keep this inquiry on my credit profile when Ive asked to remove it They said it has been validated which I didnt disagree to the validity but this is no debt owed So there is no reason to continue to display it

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local Animal Control ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed phycologist wrote 2 letter for me to get an emotional support animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.

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 2021-07-22
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: Account information incorrect

Complaint:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX  is reporting to Experian that there were late payments on a mortgage I held prior to my bankruptcy in XXXX, and foreclosure was not completed until XXXX. During my bankruptcy, the house was foreclosed. There is a sheriff 's deed certifying that the foreclosure was completed with the XXXX XXXX Clerk of Court on XX/XX/XXXX. Yet, XXXX and Experian are reporting that it was not foreclosed until XXXX. I have unsuccessfully filed a dispute with Experian about this. Experian has claimed that XXXX XXXX  certified the I formation as accurate, even though it is clearly not. Apparently their certification process needs an overhaul.

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 2019-09-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
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:
Yesterday on XX/XX/19 I received multiple phone calls from a lady claiming to be a compliance officer contracted with XXXX County Florida. She called my job, my parents, my ex-husband, and a person that is under a legally binding restraining order from my daughter. When she contacted my HR department, she told them that I was involved in a legal criminal action lawsuit. When I returned the number in case file, they said they were XXXX XXXX XXXX. They said it was in reference to a payday loan. They said that if I did not cooperate, they would seize all of my bank accounts and assets. They said that I would never be able to open an account in the United States again. I hung up, and contacted an attorney I know. I called back with him, and a different person answered the phone with a different name. When I asked to directly pay the debt, she said it would be very hard to convince these attorneys to take my payment and they had been working on it so I would have to pay more money. I told them they did not have permission to call me at work, and not to call me at work. Phone number XXXX. Case number XXXX. I hung up. The attorney that I called with said it was a scam. This morning, XX/XX/19, I received several more phone calls from an unknown number. My HR department also received another threatening phone call from this compliance officer. I answered the fifth phone call, and the lady started screaming at me on the phone. She stated her name was XXXX XXXX, and she worked for XXXX County. She started telling me that I am being located, and found. And that the police would be coming to my job. I explained that I had already called ACE Cash express, and this was not the company that my loan was sold to. She hung up on me. She then called back and left a threatening message that I was facing legal charges for hanging up on her, and that I would never have a bank account in the United States again. I called ACE Cash express to resolve the issue, but they sold my loan to someone else, so therefore I called that number, and they sold to someone else. I left a message at the last known number to pay my debt. These people claim to be XXXX XXXX. I would like to report this because I Specifically asked them not to call my work, and they continue to call my HR department. Also misrepresenting information to me and my employer. They also called someone who was under a permanent legally binding restraining order from myself and my daughter. This whole incident was very upsetting. I do have an outstanding loan somewhere, but I am not sure where to pay it. I am not opposed to paying it, I didnt realize that I had that loan, and I moved last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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, ACCOUNT NUMBER : XXXX, BALANCE {$6300.00}, XXXX XXXX, ACCOUNT NUMBER:XXXX, BALANCE : {$4600.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$2300.00}, XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, BALANCE {$5200.00}, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX , BALANCE {$20000.00}, XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX , BALANCE : {$4900.00}, XXXX XXXX ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$1100.00}, XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE {$22000.00}, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have 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 2021-03-20
Company: EQUIFAX, INC.
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:
A different name is showing on my credit report which is affecting my credit rating. The name is very similar with a different middle name but at the same street address not correct flat number. I spoke to clear score and they told me to delete my account and re apply, I did this and the other persons details are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX accounts have been updated, and my correct credit score is XXXX. Experian refuses to do anything despite repeated requests to acknowledge that all my credit card accounts have been paid in full, and that I have a {$35000.00} savings account at XXXX. 
Please have them accurately check the various credit card accounts, and raise my credit score with them from the current absurdity XXXX to the correct XXXX. 
Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the XXXX  information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from XXXX  XXXX XXXX removed from all 3 major credit bureaus on 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 explanation
Consumer complaint received 2019-09-27
Company: TD BANK US HOLDING COMPANY
State: OR
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:
Re : NORDSTROMTDBANKUSA XXXX XXXX XXXX XXXX XXXX, CO XXXX I made a timely payment to Nordstrom from my checking account from XXXX XXXX XXXX XXXX in XX/XX/2015, check number XXXX for {$100.00}. Unfortunately, my bank charged me 3 separate fees of {$30.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in error for one check. 
I sent a letter from my bank explaining that it was a bank error that caused my check to not clear. They would still not rescind the reporting to the credit bureau. I had no other missed or late payments to Nordstrom in the history of my having an account with them. 
My account number with Nordstrom is XXXX XXXX XXXX. I have had an account since 2015. 
Their customer service number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I lodged a complaint about XXXX XXXX XXXX complaint # XXXX. It is regarding double payments & billing iseues. On a couple of occassions I had made XXXX payments in 1 months time. I received a invoice stating my next paymnent is due XX/XX/XXXX. I contacted the company again today, only to be informed that : when I make a double payment in a months time, the additional payment goes directly to the PRINCIPAL!!! Which I was unaware of & I was informed it is in the agreement... .. well a ) I do NOT recall the agreement as took this loan out over XXXX yrs ago ; b ) IF it is in the agreement, I did NOT see this notice because I have a visual impairment & can not see regular print. I need larger print or BOLD print to see. So all this time I am making additional payments on this loan thinking I am ahead by 2 months & in reality I am NOT ahead in montly paymwents IT is just deducing my principal. I am paid up through XX/XX/XXXX .... in my calculation BUT in the company calculation I am just minus the principal amount. To me this is misrepresentation & misguidance to the consumer. I do NOT know IF anything can be done about this BUT I do believe someone should have called me & notified me of this practice ... .. that additional payments go towards the Principal! Again I was NOT aware of this @ all!!!!! A company 's billing practices should be clearly explained to the consumer. All this time I am believing I am ahead in my monthly payments BUT in reality I have just deduced principal amount!!!!!

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 2023-02-09
Company: RoundPoint Mortgage Servicing LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i requested for a mortgage payoff quote BEFORE XXXX XXXX never received anything. 

i tried calling and FINALLY talked to someone and they assured me i would get the qupte before XX/XX/XXXX i emailed a complaint to them and they responded thru email that i would get my quote. 

its now XX/XX/XXXX and still nothing its very difficult to actually speak with someone with this company. roundpoint dont know what to do. 

i never chose this mortgage company... they bought my mortgage. they are the worst. 

i still want to pay it off just so that i no longer have to deal with these guys. 

but also afraid if send them all that money, it could disappear. if they have no problem lying about my payoff quote and nearly impossible to contact by phone, how can i trust this company?

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