BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NY
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 a victim of identity theft. My personal information was compromised in several data breaches and my name has been sold over and over again on the dark web. I am pleading for help from the CFPB because I can not have any progress with Experian in handling my dispute of 4 accounts that were opened by someone who stole my identity XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have sent in a police report as well as an FTC Identity Theft Report and yet Experian continues to report those items on my credit report in clear violation of numerous FCRA regulations.

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 2023-05-18
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed account several times, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file listed below. 
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 2023-09-22
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Southwest Credit Systems , L.P. ( " SWC '' ) furnished an item on my consumer report for collections. There are numerous issues with this furnishing as actual damages have been caused! I have been denied loans, lines of credit, and I have experienced defamation of character as a result! 

I sent in a dispute letter a few times, and recently received a response from SWC dated XX/XX/XXXX. The response said that as of XX/XX/XXXX, they had been contracted by XXXX to collect the debt amounting in {$710.00}. This balance is not even reported correctly to the 3 Major Consumer Reporting Agencies on the collections report ( It shows as {$710.00} ). ( This is past the statute of limitations for the state of Maryland at least 2 months of this complaint filing. ) This debt is an alleged debt, not having provide original documentation. While they provided bills from XXXX in my name, they stated they were " not obligated to produce a signed agreement as the customer is not always required to sign one to obtain services. '' As the consumer, regardless of the services or circumstances, I believe this is negligible on SWC 's part as this statement can be interpreted as " so long as service is being provided, you still owe, '' even if you didn't sign anything. That puts me in the understanding that technically ANYONE can sign up for a service in my name, with or without my consent, and I can be held liable. 

This statement goes against the FCRA and FDCPA in protection of my identity, as well as my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: PA
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:
To whom this may concern, my name is XXXX XXXX XXXX, and I have recently discovered that I've become a victim of Identity Theft. I am writing this personal statement on my behalf of myself. My information was utilized to apply and or obtain financial goods and or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately. The account information is listed in this report and below : Accounts : 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

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 2022-03-01
Company: Home Loan Center, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I was seeking information on a auto refinance on XX/XX/XXXX around XXXX. I input information and within 7 mins my phone phone was being blown up with phone calls and text messages. As of today XX/XX/XXXX I've had 27 calls and 3 text messages. Please make this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a dispute letter to Equifax mentioning this unknown medical collection that does not have an account name being reported to Equifax nor does it have any contact information to obtain further information surrounding this debt.

I received a response stating that this account was verified however no additional information has been updated.

My most recent report available via my credit monitoring with XXXX dated XX/XX/2018 still does not reflect any contact information or account info pertaining to this account.

Under the FCRA any information that is incomplete, unverifiable or inaccurate should not be reporting.

This collection account that I have no additional knowledge or information is seriously hindering my credit score with Equifax as it is a serious derogatory information.

Furthermore, this is only reporting on this single credit reporting agency.

I will be sending out an additional dispute letter this week to Equifax further challenging the incomplete and missing information surrounding this one account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: MoneyLion Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
MoneyLion is failing to honor a cash bonus offer, Pave the Wage Promotion. I have met all bonus requirements. Please see attached documents for terms. 

I opened a MoneyLion account with the intention of earning this bonus in midXXXX XXXX. Through their app, I opted into the bonus. I called the institution to verify that I had opted in correctly because after I had opted in through the app there was still a place to opt in, and I thought it would have disappeared. The employee I spoke with on the phone told me that they did not have the capability to tell me whether or not I had successfully opted in, and as long as I hit the opt in button on the app, I would be fine. I had done this with absolute certainty, so I felt secure enough to move on to the next requirement. My MoneyLion checking account received direct deposits of {$3500.00}, {$3200.00}, {$3200.00}, and {$3200.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. 

I have talked with three different employees from the institution over more than 5 calls starting just before the final direct deposit to confirm that I have qualified for the bonus. The first employee, XXXX if I remember correctly, told me that I did not qualify because I did not opt in and did not meet the direct deposit requirement but confirmed that I did call to verify that I had opted in correctly. I find it interesting that now they have the ability to see if someone has opted in. At one point during our communication she told me she was going to have to call me back in 15 minutes or so and did not call me back for several days. During those few days I called in and spoke with two other MoneyLion employees. Both of those other employees told me something different than XXXX. During the first of the calls after speaking with XXXX, I was told that the bonus would be paid on the XXXX of XXXX. In the second call, the employee said I would not receive it until later than the XXXX. Finally, XXXX called me back to tell me that the previous two employees were wrong. She informed me that I still did not qualify, but she was working on it and would call me back. Several days later XXXX called me back again and told me that she was able to manually opt me in. She also said that bonus payments are made in batches on Mondays, and if I qualified, I would be paid next Monday, XX/XX/XXXX. Today is XX/XX/XXXX. I have not been paid. I completed all criteria weeks ago. Every time I speak with some they tell me something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi Priority Account Package on line on XX/XX/2018 during Citibank had a promotional opening bonus between XXXX. ( see attachment 1 ) Citibank sent me a message states my application of Citi Priority Account Package with Regular Checking and Citi Savings is being processed. ( see attachment 2 ) Per their promotion requirement, I deposited {$50000.00} bank fund into my City Priority account around XX/XX/18 and maintained the same balance until XX/XX/18. 

Since I have not received {$600.00} cash bonus, I questioned Citibank and ask for the promotion on XX/XX/2018. 

XX/XX/18, Citibank denied my request and provided a reason that I did not opened a saving account during their promotion period. ( See attachment # 3 ) Here is my complaint : 1. I opened Citi Priority Account Package with Regular checking and SAVINGS at same time. Citi 's application confirmation shows so. 

2. If I am NOT eligible to open the Savings account, should Citi send me any notice on this issue once their process is done? Why I have nerve receive any notification from Citibank since I applied to open a Citi Savings?? 

Perhaps Citibank had a mistake on their process and not open a savings account for me. Then they have to honor this promotion bonus to me. If they continually blame customer do not meet their requirement, that could be a cheating and misleading!

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 monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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:
XXXX XXXX XXXX was reporting inaccurate payment information on my account. In addition saying I was making XXXX monthly payments on this account and saying this account is still open when it is actually closed with no delinquencies. This has been on my credit report for 7 years and 4 months. And they keep making up scenarios to try to keep this on my credit report for another 7 years. I was frauded by XXXX XXXXXXXX XXXX XXXXXXXX, Ohio. They are showing this information on all 3 credit bureaus and refuse to remove this 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 explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello. I am a consumer whose rights were violated by Equifax, XXXX, and XXXX. I pulled a copy of my consumer reports on XX/XX/XXXX. I read through all of my reports and did some research. I realized that I have been ignorant of the law and that I have been violated by these agencies. I filed an identity theft report, then mailed a copy along with dispute letters to Equifax, XXXX, and XXXX on XX/XX/XXXX to confirm that I didn't provide written consent, permission, or instructions for these transactions to be reported to my credit report. These transactions also should have been excluded from my consumer reports because I did not give consent, and there is no permissible purpose for these items being reported. None of the companies reporting gave me the option to opt-out from reporting, nor did I give them permission to report anything. I checked the post office website, and I know Equifax, XXXX, and XXXX received these letters on XX/XX/XXXX. I gave them 4 days to block and remove these items. Today is day number 4 and I haven't received a response. Here is the list of items they were instructed to remove : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express began offering 3 % Cashback on their XXXX XXXX XXXX card this month, and of course it wouldn't be Amex without issues and gimmicks. My first purchase at XXXX  already hasn't been properly credited and all I get is excuses from their chat support

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: SC
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 account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX 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 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 2019-09-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company placed a collection account on my credit that was and is not mines. I do not owe any money to them and to who they are collecting for. I will be filing a ID theft dispute with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I have been a victim of identity theft. I have processed the correct paperwork according to the FCRA and the credit agencies are not attaching the paperwork to the disputes and removing the accounts per the FCRA. 

These are the accounts : 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 explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sent letter to Transunion still refused to follow demands of the law which are my rights.... To Whom this concern. Please forward to person of interest. I am writing to dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on credit report. The balance listed on the account is incorrect, YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
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:
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, 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. 

There should only be 2 inquiries on my XXXX and Equifax reports. If you take a look at my XXXX report, you will see there are 2 inquiries which is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 penal ty 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.

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 2021-12-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the Fair Credit Reporting Act by your company. This has me caused financial injury, defamation of character and hurt my ability to obtain credit.

Company response to consumer: Closed with explanation