BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: SC
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 have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from XXXX another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 2023-02-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-09
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item that was not delivered, contacted both the merchants and my credict card company to resolve the issue. 

The problem of the order was that it was not delivered and the order was an expensive amount that I did not even give a signature to. I tried resolving this issue with the merchant first, then my credit card company with disputes but the resolution was not in my favor even though I have literally no other way to prove that it was not delivered, there was no signature for the package. The price of the package was {$1000.00}, the merchant was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have a credit card with XXXX. On the XXXX of XXXX I had submitted a form on my account with them for a potential {$1000.00} credit line increase. They approved it immediately. Later in the day I got a notification from my credit monitoring company telling me that there was a new hard inquiry on my report. I checked my report and there was one from XXXX. When I had submitted the form there was nothing stating that they were going to pull a hard inquiry. So XXXX did not have my authorization to pull the report. Any other credit card company that I have gotten credit increase has not pulled a hard inquiry. Had I known that they were going to do that I would not have asked for the increase and would have applied for a new credit card with a different lender. I contacted XXXX and told them they never had my approval to pull the report and something needs to be done about it and they said oh you asked for us to review your credit so we need to pull your report, so sorry but it is what it is type of thing. ( Note this was said in the email I have attached, it says that they need to pull one, it doesnt say that they already did, so there is some discrepancy there ) Since I never authorized it I then went to trans union to dispute the inquiry on my report but they said they cant do anything about it and I need to contact the credit company, which as mentioned I did and got nowhere which is why I am filing this complaint.

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: McCarthy, Burgess & Wolff, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by XXXX XXXX XXXX, also know as Home advisors to produce leads for me to do solar sells. The day they started sending me leads, realized that they were selling the same leads to multiple people and that was not what I was sold. I called them the next day and requested to cancel their services. The person I spoke to refunded my money and told me that they would cancel my services with them. The following week I noticed that they were sending me leads still, so I contacted them and requested that they stop sending me leads since I had cancelled their services. The person I spoke to stated that their services were not cancelled and that I owed them approximately {$900.00}. I then told them that I had cancelled my services with them and that I am not paying for any leads they sent since I had not used any of their leads. They stated that their system showed that the person that I originally talked to had not cancelled as I requested. They just put my account on hold, which is not what I requested. Now I have received calls from the collection agency named McCarthy, Burgess and XXXX demanding that I pay or they are going to report on my credit report. The original person I spoke to was named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: BARCLAYS BANK DELAWARE
State: CA
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 have a credit card with Barclays. On the XX/XX/XXXX I had submitted a form on my account with them for a potential {$1000.00} credit line increase. They approved it immediately. Later in the day I got a notification from my credit monitoring company telling me that there was a new hard inquiry on my report. I checked my report and there was one from Barclays. When I had submitted the form there was nothing stating that they were going to pull a hard inquiry. So Barclays did not have my authorization to pull the report. Any other credit card company that I have gotten credit increase has not pulled a hard inquiry. Had I known that they were going to do that I would not have asked for the increase and would have applied for a new credit card with a different lender. I contacted Barclays and told them they never had my approval to pull the report and something needs to be done about it and they said oh you asked for us to review your credit so we need to pull your report, so sorry but it is what it is type of thing. ( Note this was said in the email I have attached, it says that they need to pull one, it doesnt say that they already did, so there is some discrepancy there ) Since I never authorized it I then went to XX/XX/XXXX to dispute the inquiry on my report but they said they cant do anything about it and I need to contact the credit company, which as mentioned I did and got nowhere which is why I am filing this complaint.

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 2023-07-09
Company: Accscient, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out this company countless times explaining that this bill has discrepancy and also does not belongs to me. They have yet to provide any documentation or information to guide me in the direction to have this removed from my credit report immediately.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-20
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage complaint XXXX/Sent XXXX XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX Bcc : XXXX Wed, XX/XX/XXXX at XXXX XXXX  I signed and agreed to an interest rate of 2.75 and two days ago you called me and stated that some state of Georgia regulation required you to go up on my interest rates to 2.99 %. The question that I have is your company going to honor our initial signed agreement with the interest rate of 2.75 %. 
You also told me that my monthly payments would save me over {$100.00} per month nut however the document that you sent to don't reflect that type of a payment. The new payment monthly that I see here on this document is {$400.00} per month me current payment is know XXXX per month, I'm not financing my home loan just only to save only {$37.00} per month.Therefore I here by cancel this loan process. 

XXXX XXXX cc : XXXX XXXX President XXXX XXXX I signed and agreed to an interest rate of 2.75 and two days ago you called me and stated that some state of Georgia regulation required you to go up on my interest rates to 2.99 %. The question that I have is your company going to honor our initial signed agreement with the interest rate of 2.75 %. You also told me that my monthly payments would save me over {$100.00} per month nut however the document that you sent to don't reflect that type of a payment. The new payment monthly that I see here on this document is {$400.00} per month me current payment is know XXXX per month, I'm not financing my home loan just only to save only {$37.00} per month.Therefore I here by cancel this loan process. XXXX XXXX cc : XXXX XXXX President Wed, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX  Sent from XXXX Mail XXXX XXXX XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX Thu, XX/XX/XXXX at XXXX XXXX  Follow up complaint : XXXX XXXX Follow up complaint : Thu, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX This is a follow up to my original complaint. Please contact me as soon as possible. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: CITIBANK, N.A.
State: NY
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 wrote to the three credit bureaus regarding some inquiries that I have seen on my credit report but I know I do not have any accounts with these companies or am I paying any monthly amount to them. These inquiries are on my credit report and I did not authorise any of these companies to run my credit. I wrote a second letter to three of the companies asking them to remove the inquiries that I did not authorize. On XX/XX/2018 I wrote SEARS CBNA, XXXX XXXX XXXX and CITIBANK NA asking them to remove these inquiries from my credit report has I do not have an account with them and I did not authorize any such inquiry. 
I wrote XXXX, XXXX  and XXXX about the same inquiries on my credit report that I do not have an account for but did not get any good response regarding this.

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 2023-07-20
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I got unfortunately involved in a loan scam causing my vank account to be overdrawn XXXX. I reported the mobile deposited fake checks which they removed an sent back. However the money I used reluctantly to send the scammer gift cards they have deducted from account overdrawn me XXXX. I ok with being put on a payment plan for that which the bank refused to do. I am however without money for 3 weeks now past due on all my bills. I had a legal direct deposit go into account for XXXX which they won't release to me into another account I have opened to move my direct deposit to. They also refused me that. All they did was return XXXX for the return check fee but unfortunately all they did was deduct it from overdraft amount

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 inructions 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 2023-03-02
Company: Experian Information Solutions 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:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXXesident type Single family XXXX XXXX XXXXXXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Discharged through XXXX XXXXXXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX/Never late. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX/Never late. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX account. {$1300.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} XXXXXXXX XXXX account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$510.00} XXXX XXXX account. {$510.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXcy discharged Potentially negative Date Filed XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through 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 2023-05-24
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
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, with Exeter Finance has violated my rights. 

15 USC 1681 section 602 States I have a right to privacy 15 USC 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a car loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Reese Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Subpoena was improperly served and handed to my roomate and falsified to say it was handed to me when it was not. so a judgement was made without time for me to properly dispute and represent myself.

Company response to consumer: Closed with explanation