BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX 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 2023-08-22
Company: Paragon Subrogation 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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties.

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done. 

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-10-11
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions. I never gave my written consent for the furnishing of any of these accounts and I have a right to privacy. I have asked for investigation results and proof that the accounts in question are valid multiple times and have received no such proof. This is a request for an investigative consumer report, which means a consumer report or portion thereof in which information on my character, general reputation, personal characteristics, or mode of living must be obtained through personal interviews with neighbors, friends or associates. The accounts must be permanently deleted if they are not 100 percent correct and accurate. Please investigate these accounts. Please provide proof that they are 100 % correct. Please do not send me results again saying they are valid without proof of validity. I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Please provide proof that you have conducted interviews with my neighbors, friends and associates on my general character, general reputation, personal characteristics, or mode of living. Absent such proof, you must immediately and permanently delete the accounts in question. Please stop violating my rights to a true and thorough investigation.

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 2022-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
around XXXX i thiought i had misplaced my card from bank of america I had just got back from being out of town and still had not found my card. a few days later i found my wallet in my mailbox with all the cash gone but the cards were still there. My husband informed me to check my account and when i logged in there was over XXXX missing out of my account. I imeediatley called the bank and filed fraud on charges that i had not made at the time these charges were made i wasnt even in the town that they were made in. XXXX  was saving that money to pay my last rent and move into a new house, But becasue of this problem i was not able to pay my rent and i contacted bank of america explaining to them that this happend and that if i wasnt able to be reimbursed i was going to be evictedc it took them less than an hour to investigate my case and told me that all the charges were relevant and that i would not be getting reimburssed i toold them that whomever stole my card info had to obviously been from the town that i live in. I live in XXXX XXXX california it is a small farming community and we do not have any big name stores such as XXXX XXXX  XXXX or any fast food places so we all shop at the same stores when we go out of town the two closes towns to us are XXXX XXXX XXXX  then XXXX and XXXX  everyone in my town shops at these stores or we have to order stuff because we dont always have tghe things we need here. I tried to explain this to them many times i was told by one of the Fraud team that whatever happend wasnt there fault and i would just have to figure something out, another member told me that i probably deserved it, Because i wass not able to get reimburrsed for these charges that were made which ineveitably cleared out my account i got evicted from my home and my husbanc and i became XXXX  at the moment we are currently bouncing around from friends houses or sleeping in our car, i am furious that the bank treated me this way and i am very upset all i want is for my money to be reimburssed so that i can get a place to call home again for me and 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 2023-11-16
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: FL
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 called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and late closed that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and late closed, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible.

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX INQUIRIES : XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX  Inquiry Date XX/XX/2023 and XXXX Inquiry Date XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently notice that someone was applying for credit in my name, I contacted the credit companies and the credit reporting bureaus and noone was willing or able to help me get my situation straightened out.

Once i noticed these fraudulent inquiries I. immediately contacted the creditors and the credit bureaus, neither were willing to assist me with my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: MD
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 wrote and had notarized a signed letter and sent it via certified mail through the USPS to Experian. The letter was received by Experian on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. None of these unverifiable accounts were deleted and remain on my credit report. After further review, there are a total of 2 accounts now listed on my credit report that can not be verified as belonging to me.

The letter also requested incorrect addresses be deleted, the requested revisions were performed but on further review I have now found one more incorrect addresses that needs to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
To date I have not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Experian, did however email me a link to view my updated credit report with some of the wrong addresses being removed as well as a physical copy of my report dated XX/XX/19.

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 2023-12-13
Company: EQUIFAX, INC.
State: NV
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:
Formal Complaint Regarding Inaccurate Accounts on My Credit Report I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the Department of Education that are not mine. 

Details of the Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Accounts on My Credit Report Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the XXXX XXXX XXXX that are not mine. 

Details of the Inaccurate Accounts : Account Number : Reported balance {$1500.00} Actual payment amount Date of last payment XX/XX/2023 Account Number : XXXX XXXX XXXX XXXX Reported balance {$850.00} Account Number : XXXX XXXX XXXX XXXX Reported balance {$6700.00} XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX Reported balance {$3700.00} XX/XX/2023 I strongly believe that I am a victim of identity theft, as I have not opened or authorized these accounts. The presence of these inaccurate entries is causing severe distress and negatively impacting my creditworthiness. 

Steps I Have Taken So Far : I have filed a police report with Identity Theft.gov to report the identity theft. 
I have contacted XXXX, the loan servicer associated with these accounts, to dispute their legitimacy. 
Despite these actions, the inaccurate information persists on my credit report, affecting my ability to secure credit, loans, and other financial services. 

I kindly request the XXXX XXXX XXXX XXXX XXXX XXXX to : Conduct a thorough investigation into the accounts listed above. 
Provide me with a detailed explanation of the origin and legitimacy of these accounts. 
Take immediate corrective action to remove these inaccuracies from my credit report. 
Provide written confirmation once the corrective actions have been taken. 
I understand the seriousness of identity theft, and I am taking all necessary steps to rectify the situation. Your prompt attention to this matter is crucial in restoring the accuracy of my credit report and alleviating the undue stress caused by these inaccuracies. 

I appreciate your cooperation in resolving this matter and expect a timely and satisfactory resolution. If there are any additional forms or documentation required from my end, please do not hesitate to inform me. 

Thank you for your immediate attention to this pressing matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan was paid off by insurance company on XX/XX/2023 however the payoff quoted to my insurance was over by {$34000.00}. All along I was on top of my insurance company to make sure that my loan for my Kia was paid on time. To my surprise the first 4 follow up calls were all the same. The refund check will be issued and mailed out to you XXXX XXXX however it will take 30-45 days for it to go out. On XXXX I called and I was then told that check had been mailed on XXXX to my insurance company and not me as I've been told all along. Today I called Kia in XXXX and spoke with XXXX XXXX. and was given a chk #, the exact amount and the address. Hours later I contacted my insurance and they confirmed that the address they mailed the check to was incorrect and for me to ask them to void the check, reissue a new one and mail it to the correct address. After being on hold for 20+ minutes I requested to speak with XXXX XXXX they couldn't do that so I needed to now speak with XXXX XXXX. I then asked that please void the check. But she was quick to say " No we can't do because your a 3rd party and so they need call us directly and submit the request. I've been waiting for the past 70 days for my money and now I'm being penalized for an error they created. My payoff was for $ XXXX at the time time my insurance company called for payoff see attached payoff letter they submitted to my insurance. I want my {$3400.00} refund now!!

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 2023-01-22
Company: EQUIFAX, 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 was a victim of identity theft and did not realize it until just recently. My credit report has inaccurate information and accounts that do not belong to me, I am asking to please remove these accounts from my report immediately. It is against the law to keep these accounts on my credit report, and it is affecting my personal life in many ways. PLEASE REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) : XXXX XXXX XXXX XXXX : XXXX Hard inquiries not authorized by me : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 The accounts listed above were not authorized by me and they need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: PA
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 am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover the same error and inaccuracy that I already raise and dispute to your agency. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: TN
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:
Each month since XXXX, I began paying monthly payments to XXXX XXXX XXXX for a car loan, Ive been hit with a remark by the company which affects my credit score by 89 points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: TX
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 recently ended my membership with Experian, because its a ridiculous concept to pay someone who virtually stalks me. Now there is a constant banner in the app for XXXX that reads When your subscription ends in __ days, youll no longer be able to lock or unlock your credit report. With a large button underneath labeled [ Keep your subscription ]. 

Its a deceitful sales tactic to push people into maintaining a paid-for membership with them when legally if you ask them to freeze your credit report, they have to comply - free of charge. Its predatory, its misleading, and its wrong.

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 2023-08-21
Company: GLOBAL SOLUTION BIZ LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received multiple calls prior to this incident. on XX/XX/2023 at XXXX XXXX ( PT ) I received a call about an amount owed per a debt that I allegedly owe. 7 minutes later my mother received the following text message from the same number ( XXXX ) : " A claim was forwarded to my office with recommendation that a judgement & wage garnishment be filed against you for the allegations of Improper banking practices, theft by deception and attempt to defraud a financial institution. We would like to get a statement on these allegations. Please contact our offices as soon as possible. '' This same text was also sent to my cell phone as well. I am furious that a company would send this message about an alleged debt I owe to my mother or anyone that is not me directly. 

I called back and was able to verify the following information : Company name - Global Solutions ( Phone ) XXXX ( Fax ) XXXX XXXX Company address : XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX I have attached a screen shot of the exact text information I received. It has my name on it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not approve any of these credit inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
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: Was not notified of investigation status or results

Complaint:
I submitted several dispute for the following accounts but I haven't been notified with the result to my mail : XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX Account # XXXX : XXXX and 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