BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
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:
In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account 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

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 2018-12-16
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IN REGARDS TO : MERCHANTS CREDIT GUIDE CO. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, ILLINOIS XXXX THIS IS MY SECOND TIME ASKING FOR VALIDATION OF DEBT AND HAVE YET TO RECEIVE ANYTHING!!!! I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so. 

I would like to let your company know that I am disputing your claim. The account was opened fraudulently and forgery was committed and the account does not belong to me, and if you can not provide me with a contract or documentation of agreement that has my signature then remove the negative item immediately. 
Under the FDCPA, I am allowed to request validation for a collection. As you know, not complying with FDCPA will put your company in a bad position with the FTC and CFPB. 
I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor. 
2. Proof that you have the right to collect this debt in my state. 
3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned? 
11.Copies of all letters sent to me from you the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined? 
ONCE THE ACCOUNT HAS BEEN PROPERLY INVESTIGATED AND VALIDATED AND VERIFICATION THAT I'M RESPONSIBLE FOR THE ACCOUNT I EXPECT A RESPONSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

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 2021-05-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX I got help with my credit report. Some disputes with made on my XXXX student loan accounts. I called all the credit reporting agencies in XX/XX/XXXX to have the remarks removed from those accounts because I was not disputing them. All of them with the exception of Equifax removed them. I am purchasing a home and my closing date is this coming Friday XX/XX/XXXX. However, I received notification that my credit report had some false information on it and I needed to have it resolved before we go to closing. So on XX/XX/XXXX I called Equifax to once again have the dispute remarks removed from my account and they gave me the hardest time. I was told that they removed them and that it would take a couple of days to reflect on my report. I waited a few more days and my agent did a soft pull and the remarks were still on my report. I called Equifax again on Friday XXXX XXXX 4-6 times and I spoke to several people from XXXX until XXXXXXXX XXXX I was able to speak with a supervisor named XXXX from their Office of Consumer Affairs department. His employee ID is XXXX and the reference number is XXXX. Upon speaking with him he assured me that the problem and been rectified and that it would reflect immediately on my credit report. I then purchased the myequifax product to be able to obtain my report. Come to find out the installment accounts were not listed at So I called Equifax again on XX/XX/XXXX at XXXXXXXX XXXX to find out that my student loans accounts were being reported as closed and the comments states that my student loans are being paid through a financial counseling plan. That information is completely false I have never used a agency to to pay off any debt at all. After an exhausting two more days of speaking to several representatives and no one was able to fix this problem. They are blaming XXXX for reporting this information so I called XXXX and they state that they have not reported any of the information that is on my Equifax report that the info is false and incorrect. XXXX sent me several letters stating that my account is in good standing and my next scheduled payment date. They have also submitted two letters to Equifax asking them to remove the info that they are reporting as it is false. This Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX I had the worst ever experience with Equifax 's manager XXXX who would not supply me with his employee Id number or a supervisors name. At this point I am going to be homeless because I will not be able to close on my house this Friday due to the false and misleading information reported on my Equifax report the other two agencies have supplied the correct information. This is very upsetting and I hope that someone will address this as expeditiously as possible. My family and I are about to be homeless because of bad reporting and mistakes from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This complaint is against TransUnion whose contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Phone numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TransUnion unfairly decreased insurance scores of me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX with the same zip code, by large amounts, due to an auto accident in which the other party was at fault. We do not have an unpaid balance on any credit card. Checks written by us never bounced. We have always paid bills in time. 

Our insurance premiums went up because of this. Our insurance company ( XXXX ) notified that our insurance premiums ( XXXX XXXX XXXX ) went up due to the insurance scores provided by TransUnion. 

I have attached the police report for this auto accident and a copy of the letter and check from XXXX XXXX showing that we were not at fault. The party at fault was insured by XXXX XXXX. 
XXXX XXXX sent me a check since the party insured by it was at fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, XXXX reported a XXXX point drop in my credit in one day .they send me a report via e mail telling me that I had inquired from XXXX XXXX and XXXX on my report. Then told me I must send them money to upgrade how my credit is reported in order to remove them. 

Now I have a credit freeze on my XXXX account and and have not applied or asked for credit from any one. 

I also pay all my my bills as directed by my bankruptcy plan, and they know I can not keep being penalized by reporting that. 
I XXXX and XXXX XXXX collect money on their end and with the advent of Covid, family members are trying to connect and use those systems which have some how been captured by XXXX to put on my report, not for XXXX to go and double dip. Ancestry queries have nothing to do with credit reporting.. I use them too find out family members and locations, and I hope I not hurting people by verifying information on a heritage chart. 
XXXX knows medical information must be removed from credit reports this year and must find sone other gig to keep their company going at consumers expense. 

This practice is not fair, my job went bankrupt during this Covid stuff and many people have died. You can not charge people that are looking for family and make profit off their search. Like I said people have already paid, they are not creditors, XXXX needs to stop this practice or get out of the business trying to hurt people at the expense of the economy. I want all such inquires removed off my account immediately and to stop the shenanigans playing with my life. XXXX do right by your consumers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested from Equifax, XXXX XXXX XXXX XXXX XXXX to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from Equifax, XXXX XXXX XXXX XXXX XXXX any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to Equifax, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Someone took out a student loan from XXXX XXXX in my name, SS #, BD, address. 
Have disputed multliple times with all XXXX major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX years old. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college 3 hours from where I live, when there are two junior colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.

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 2020-07-28
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX and XX/XX/2020, my Google Pay account was illegally accessed and used to transfer over {$1200.00} USD ( in two separate {$600.00} transactions ) using a XXXX  XXXX XXXX XXXX XXXX that was attached to my account to an anonymous google account that has now been deleted. ( Screenshots attached ).  Within 5 hours of these transactions ( I didn't receive a confirmation email until 10 DAYS later on XX/XX/2020, after which I suddenly in minutes got a decision ), I changed my password and informed Google Pay about the issue and filed for a case TWICE ( screenshots attached ). I also chatted with over 5 representatives that FALSELY claimed that my money was HELD and would be sent back to my bank account. However, with hardly any investigation, Google Pay  informed me that they can not issue a refund and that my money is no longer available and that the case was not decided in my favor. Just like that, in seconds I had lost {$1200.00}. I went ahead and filed a case with my bank on the issue, which yet again resulted in Google Pay getting back to me today AFTER 3 MONTHS on XX/XX/2020, that the transaction can not be reversed ( screenshot attached. ) The google account the money went to is now permanently deleted and can not be accessed. They couldn't even stop the hacker from withdrawing the funds. 

It is evident that Google Pay does not protect its dedicated consumers even though I've been using it for the past 4 years and IMMEDIATELY reported the issue. They are UNABLE to regulate their own payment platform even if the reported account has been reported for illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: Zions Debt Holdings
State: KY
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:
On XX/XX/2023 - ZIONS is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. 

It is the CFPB 's job to protect the consumer and ENFORCE the LAW. Please forward to general counsel. 

XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent XXXX and XXXX XXXX a notice invoking my right as a federally protected consumer to opt out per 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Furthermore, XXXX and XXXX XXXX are in violation of per Privacy Act of 1974 by sharing my non-public information such as my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied for Citi Rewards + card by phone on XX/XX/XXXX, provided my current address and phone number. I have read the advertisement and believe I am qualified in regards to credit worthiness. Yet I was still denied for the card for the reason I am not a US citizen/permanent resident, whereas the terms and condition says nothing about the nationality restriction of phone application. I did provide a valid US address ( where the rejection letter was sent to ) and my current phone number. Besides my citizenship, I did not reveal anything about my permanent address overseas during the entire phone application. When I called the customer representative of Citi, their answer is that non-US residents have to apply on branch and the decision can not be reconsidered. Even though it is a student card, a hard pull has already been conducted and negatively affected my credit score this month.

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 2023-10-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested information from ECSI regarding my loans type, terms and conditions. They are not able to resolve the issue and they pass the issue to XXXX XXXX XXXX ECSI is responsible for signing of their forms. I requested them many times to provide me with official copy of master promissory notes which includes the loans type, terms and conditions for the XXXX XXXX they applied to my account ECSI has failed to provide such documents. Therefore, their request for debt collection to the amount of XXXXXXXX XXXX is invalid as they do not have proper forms, signatures, customer service or supervisors to clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 don't recognize XXXX  around the time of XX/XX/XXXX and appears to be fraudulent, as well as XXXX XXXX around the time of XX/XX/XXXX. Can you please kindly delete these, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
CFPB XXXX XXXX to Pay {$19.00} XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told XXXX this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy XXXX and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error. I have also logged-in my hmfusa.com XXXX account XXXX pull my payments history made to them from there financial app.

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