BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is 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 non-monetary relief
Consumer complaint received 2023-08-18
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: Account information incorrect

Complaint:
XXXX XXXX  failed to comply with 12 CFR 1026 and is civilly liable to me under 15 USC 1640. Furthermore they have reported incorrect accounting on my consumer report and have not validated with " ledger '' proof of the debt that is said to be owed. This in return has damaged my report. 

Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXXXXXX XXXX XXXX  -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX -updated balance and never deleted like they said they agreed to do.

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 2018-05-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We contacted our bank which our home loan is through to let them know about our situation change- going from 2 sources of income, to only one. ( I had gotten laid off from my job, then I got very sick and was in out of hospitals ). After HOURS of going to different branches trying to make a mortgage payment, only to be told we dont know why we cant process your payment only to get returned check fees and no one returning our calls, I made myself sick from all of the stress, XXXX, and helplessness I felt! I literally left 5 vms yelling and begging someone to PLEASE call me back so we can pay them!!! Guess what? NO CALL, and now a foreclosure letter demanding an insane amount of money within 30 days, or our house could be sold!! I called that COLLECTION company over 5 times only to get the run around and some young girls sounding like they are reading a script and tell me sorry we cant help you. I am so lost for words and just want to be treated like a human, is that too much to ask???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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: Their investigation did not fix an error on your report

Complaint:
paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXX XXXX XXXX -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX  -updated balance and never deleted like they said they agreed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act of 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 604A. It also states a consumer 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 2022-12-02
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:
1. CREDIT REPORTING 2. IMPROPER USE 3. IMPROPER REPORTING 4. DESCRIPTION SEE BELOW Be it known that this notice of consumer check and challenge for lawful reporting compliance is officially composed a writ and formal complaint that you are reporting XXXX or more of the following illegally : XXXX XXXX XXXX / Case # XXXX XXXX  XXXX XXXX XXXX XXXX / Case # XXXX -XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX - XXXX  XXXX XXXX XXXX  XXXX / Case XXXX XXXX XXXX  XXXX XXXX/ XXXX Upon receiving my Consumer Report, please provide me with physical proof of compliance and verification. 
You are not authorized to retain or report this allegation if it is not physically irrefutable. 
The use of subterfuge to prove compliance and accuracy of every single aspect of the data is unlawful. In order to ensure that your company retains CURRENT, TRUE, CORRECT, COMPLETE, and MANDATED information in accordance with the FCRA regulation, I demand that you annul any and all details that are inaccurate or not in compliance. 
Please review and ensure your full compliance with the laws governing your practice of reporting consumer credit profiles. 
note : I DO NOT authorize you to mis-report any misinformation now or in the future. 
You must return to or maintain compliance as mandated without injury or prejudice towards me now or in the future.

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 2023-09-26
Company: LEXISNEXIS
State: FL
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:
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report.

I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether.

I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25
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:
I disputed each account listed below 4 times with TransUnion and XXXX. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. 

XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}

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 2023-01-27
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit Management/XXXX XXXX XXXX filed 3 lawsuits against me on accounts that have not been verified to be mine. They started in XX/XX/XXXX, second one XX/XX/XXXX and third XX/XX/XXXX. I've not had anything like this happen before, so I wasn't familiar with going to court. It all happened so fast because they were sending one right after another and they got default judgements. Which in turn they sent to my employer and my checks have been garnished for the past 6 months. They keep sending letters to my employer and have sent information on the details of the debt which is a violation of the FDCPA directly to my employer via email and regular mail. They keep sending letters to my employer over and over. To the point my employer is tired of dealing with it and I could be in jeopardy of losing my job of almost 10 years. This has been a completely humiliating for me being harassed on a debt that I don't even know that I owe. Not to mention ALL the charges and fees that added to it. Something needs to be done about this company ASAP. They're violating numerous laws daily! Misrepresentation of being an attorney but they're really a collection agency, they have and still are called harassing my family and my employer, and misrepresentation about the debt and how much is owed and verification that I even owe the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There has been a credit card application that was applied using my name. When I go by and use a different name. It was made on XX/XX/23. I did not apply for a this FNB Omaha credit card. It was denied thankfully but it wasnt me that applied for it. I have called XXXX and they told me to report this through here and submit my report form this to them with my ID confirming my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX XXXX, 2017, Phoenix Financial put 3 Fraud Medical collections on all 3 credit bureaus. We notified Phoenix Financial by phone call that these were not my debts, but were Identity Theft. I never had any knowledge of the bills, nor was I at the medical facilities they claim these were from. 

They agreed that these were due to Identity Theft and would remove from all 3 credit bureaus. However, they continued to leave on there. 

I filed a XXXX XXXX Police Report detailing the Identity Theft and the Fraud specifically from them and the account numbers. 

They still have not removed the Fraud that is not mine from collections under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CITIBANK, N.A.
State: NC
Product: Credit 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 tickets to an event scheduled for XX/XX/XXXX in XXXX. The event was rescheduled for XX/XX/XXXX. I was not in XXXX at that time. I was unable to cancel my order, but I was also unable to resell my tickets, despite that being outlined as an option on the vendor 's website. They did not work with me despite my attempts to cancel/ resell the tickets. I have called them and chatted with them through their website. After explaining this to Citi Bank, they response was as follows : " Since the merchant has not agreed to accept your cancellation request, we are unable to assist you in obtaining credit for this dispute. If you wish to continue this dispute, please contact the merchant directly. ''

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 2022-12-15
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:
XX/XX/2022 I was notified my name was inthe XXXX XXXX and XXXX XXXX breaches, filed a claim wth XXXX and filed a FTC ID affidavit. 
This would be my third time sending some king of communication to Transunion. I promptly ordered a free credit report and found many erroneous names, addresses, ssn and accounts that were not mine. 
Transunion Fraud Dept gave me a claim # XXXX to help me remedy this matter quicker but, i was unable to download or receieve free credit reports as stated. 

I notified the credit bureaus and creditors and so far many errors have been rectified. 
Transunion has been the only company which has consisently violated my rights by not letting me able to dispute and then say the info was verified when the XXXX and XXXX have deleted these fraudulant accounts. 
Names on my report are not correct, addresses and accounts from addresses that are errors. 
Pursuant U.S.C 1681, I have right fair an accurate reporting of info on my reports. 
I am requesting these accounts be removed

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 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act of 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 604A. It also states a consumer 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: U.S. BANCORP
State: AZ
Product: Credit 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 had to leave an XXXX because of safety concerns, XXXX refused to refund me, I then called us bank to dispute it. They gave me provisional credit and claimed to have sent me a letter for additional information, but they did not, and then also took away the provisional credit. I had left the airbnb and contacted them right away to tell them about the safety concerns i had. XXXX refused to refund me even though i had to leave because it was not safe for me to be there. The total if the XXXX  i got charged was {$2800.00}. I contacted XXXX and US bank both trying to work this out.

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 2022-12-02
Company: EQUIFAX, INC.
State: KS
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 sent the following letter to the credit bureau to which they replied they would not comply with the consumer laws of the united states XXXX on the XXXX team told me he was a credit agency and he had permission because he was an agency that is not the laws of the united states of america. 



XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/2022 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the utilization on all my revolving accounts. Under 15 U.S. Code 1681a 2 ii excluded from a consumer report are any transactions between the consumer and company ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; Please send an updated report when this issue is resolved Sincerely -XXXX  XXXX

Company response to consumer: Closed with explanation