BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Cascade CISS Holdings, LLC
State: MD
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:
To Whom It May Concern, I am writing to inform you of unauthorized inquiries on my credit report that I strongly believe are the result of identity theft. Under 15 U.S. Code 1681c2, specifically, the provision regarding the blocking of information resulting from identity theft, it is stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. This blocking should occur not later than 4 business days after the date of receipt by the agency of the request to block the information. 

I have identified the following unauthorized hard inquiries on my credit report : XX/XX/XXXXI hereby request that these unauthorized hard inquiries be removed immediately, in accordance with the aforementioned statute. I understand the gravity of identity theft and its potential consequences on my financial well-being. I have taken all necessary steps to protect my personal information and ensure that this unauthorized access to my credit report is resolved promptly.

Enclosed with this letter, please find a copy of my identification, a copy of my credit report indicating the unauthorized hard inquiries, and any other documentation you may require to process my request in an expedited manner. I kindly request that you confirm in writing when these unauthorized inquiries have been successfully removed from my credit report. 

I appreciate your prompt attention to this matter and your assistance in rectifying this situation. Please do not hesitate to contact me if you require any additional information or if there are any further steps I need to take in this process. 

Thank you for your cooperation and understanding as I work to resolve this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2020-11-09
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:
There is an account reporting on my credit file with XXXX XXXX XXXX XXXX showing as charged off. That is not the case. I spoke to XXXX XXXX and they said it's not charged off it's only past due. I have dispute this with the bureaus sevearl times and yet they still report it as charged off. That is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear CFPB Counselor, I almost dread going into the details of this so that you can understand what has been going on since XXXX. I will try and outline events. I received a letter from Synchrony Bank 's Fraud Dept about suspicious charges on a credit card in my name. I did NOT recognize the card number but later realized it was an acct I opened online with a tire co in XXXX TX in XXXX to purchase a good used set of tires/wheels from a store called XXXX XXXX. I never received a credit card and didnt miss one since all was done online, I even set up automatic pmts to cover the promo NO INTEREST the company offered. 
In early XXXX someone named XXXX XXXX got my account number for the Synchrony XXXX XXXX retail account and got himself approved as an AUTHORIZED USER. This person lives in S.Florida somewhere in XXXX County, I live in N. Florida in XXXX XXXX County outside XXXX. 
I have been going around and around with Synchrony Bank 's Fraud Dept trying to prove to them I did not authorize this XXXX XXXX to use my card. I have no idea who this creep is. 
This same credit account was apparently not CLOSED when my promo was paid and the pre-set up automatic payments from my checking account was still active ... ... when this XXXX XXXX charged over {$2500.00} of merchandise on the account I hadnt a clue this was going on and automatic payments were withdrawn to keep the account current over the course of 2 years. I'd have still never known about this had Synchrony themselves not alerted me to 'suspicious ' activity on the card. I am guilty of not monitoring my checking acct as closely as I should I know. Synchrony after multiple letters and effort on my part finally relented earlier this year and said they have resolved the account and that I am no longer liable. I thought well GREAT!!! But what about all the money ( {$2700.00} ) that was taken from my checking acct, i want that back! 
I have documentation of everything I say. They sent me a check today for {$1400.00} which is {$1200.00} short. I am livid these cheap XXXX are trying to profit from me and they have done absolutely nothing to prove their case and I have done ABSOLUTELY everything to prove mine. I will never do business with them again.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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  Account # XXXX has violated my rights. Under 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2021-04-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 we received a letter from Synchrony Bank They informed us that they had Immediately closed an account which had been inactive for over three years.

They Notified the major credit bureaus and Initiated an investigation and flagged our information in their system. 
On XX/XX/2021 our XXXX XXXX XXXXXXXX Visa account was flagged for fraud and the account inactivated. 
Upon checking our Credit Bureau Credit scores with XXXX and XXXX we could not get the reports. 
On XX/XX/2021, we received a Fraud Investigation Form from Synchrony Bank.

We have never contacted them in any was and would not have paid attention except for the course of 'Fraud flags ' instigated by this Synchrony Bank action.

This is clearly some type of hacking fraud. We went on line to see reports or complaints against Synchrony Bank ... ..too much to read in a day. We wonder how this sort of thing has been allowed to go on. We are sure we are not the only ones wo have been subjected to 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: NCS, Inc
State: IA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Noll Collection is threatening to garnish my XXXX check for a debt they are fully aware of the fact I DO NOT OWE. Noll Collection never properly served me and some how got the judge to allow them to serve me by publication. I was wrongfully evicted from my apartment and I have evidence my landlord was trying to over charge me for rent. I also have evidence my landlord is the ones that broke the lease not me. I worked out of town and my landlord was fully aware of this fact. The lease I signed said when rent was due then I was a fee of a dollar each day rent wasn't paid that month. I literally still have the lease. In fact the judge that ruled against me advised XXXX to remove the dollar a day fee cause in his words it could lead to muddy waters. I was wrongfully evicted from my apartment then railroaded by this legal system here in XXXX XXXX and now Noll Collection is attempting to garnish my XXXX check. The attorney for Noll Collection knew I was working and filed for this notice of publication which should be a crime. XXXX was allowed to illegally evict me then this curupt legal system wrongfully convicted me then to help allowed Noll Collection attorney to serve me by publication trying to steal more money from me by garnishment and I'm wrong for trying to leave my life. This company criminal actions need to be looked into.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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 2022-01-21
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had to file a Consumer Proposal ( XXXX XXXXXXXX XXXX  XXXX ) under the bankruptcy act here in XXXX. When I did that, I found 5 credit cards opened fraudulently in my name. 2 from XXXX Bank, 2 from Citibank, and 1 from XXXX totaling {$25000.00}. When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. I contact the banks immediately, asked for the application - I was ignored. I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. My Consumer Proposal paid them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.

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 2022-05-03
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
UN-AUTHORIZED INQUIRIES 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 2021-03-22
Company: AMERICAN EXPRESS COMPANY
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:
Subject : Discrimination by America Express, refusing to remove more than XXXX XXXX XXXX adverse account information Dear Sir or Madam, Date : XX/XX/XXXX. 

Thank you for writing to me in response to my letter dated XX/XX/XXXX, stating that I should submit a complaint online. 

Here are some lines for your consideration and needful action. 

In XXXX, XXXX, I applied for an American Express Card and was denied. Ameican Express wrote a letter stating that because I was listed as an old unpaid account, they denied the credit card. 

Currently, I have excellent credit with a FICO score of more than XXXX and have open credit accounts with major banks and financial institutions, On XX/XX/XXXX, I called and spoke with a Manager at American Express and explained to him that about 24 years ago, in XXXX, we had a business that went under because of recession, unemployment and severe economic climate. We lost our business and as a result, many credit cards including American Express were unpaid. Manager told me to write a letter to them for consideration that I did. ( Copy enclosed ). 

Unfortunately, American Express wrote a letter dated XX/XX/XXXX, declining my request to reconsider. 

Therefore, please take necessary steps so that Ameican Express does not discriminate consumers like me for an old debt more than 20 years ago while other creditors have extended credit. 

If you have any Questions or suggestions, please feel free to contact me.

Thanking you, Yours Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: MA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 2019-12-29
Company: Lendmark Financial Services
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Lendmark financial keeps harassing me daily with phone calls and voicemails in regards to a loan for a repair that was never made. They even filed court action against me but didnt show up to court and non judgement suit was ruled in my favor. Yet even on weekends and holidays they are calling me still. They are a scammer company. Reviews from XXXX  XXXX  XXXX have informed me of other cases just like mine. I want them to leave me alone. Since XX/XX/XXXXthey will not stop calling me and its extremely disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX XXXX has forgiven my federal XXXX  loans with XXXX in XXXX, effective XX/XX/2023. I received confirmation in a letter from XXXX, dated XX/XX/2023. As of XX/XX/2023, the total loan balance of {$110000.00} still shows as outstanding/ still being owed on all three ( 3 ) credit reports. I have filed credit report disputes with the three ( 3 ) credit bureaus : XXXX, XXXX and TransUnion which are being investigated at present.

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 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