BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2023, checking my credit report I learned that someone tried to open an account using my personal information. I have a couple hard inquiries on my credit report that I did not authorize, I did not give permission for my credit being ran and I would like to be deleted off of my credit report. I am victim of identity theft.

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 2023-05-03
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am unable to file an online dispute via the Transunion website. This problem has been ongoing since filing an online dispute back in XX/XX/2017. This dispute was cleared towards the end of XX/XX/XXXX, but ever since then it's as if my account has been locked and new disputes can not be submitted. The process I am using is through the Transunion Dispute Center - I am able to select " Start an Investigation '' and enter the reason for the dispute, but absolutely nothing happens when I click continue. I have made repeated calls to Transunion and nobody seems to be able or willing to help. I am constantly shuffled between customer service and disputes, and it's not uncommon that I talk to someone from each of those departments four or five times in one phone call. This is absolutely maddening and I don't know who else to turn to for help.

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 2015-07-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 a freeze was placed on my checking account. The original freeze on my checking account totaled {$320.00}. On XXXX XXXX, I made a debit card purchase for {$19.00} and the bank refused to pay. On XXXX XXXX, 2015 my employer deposited a checking into my checking account for {$1000.00}. On XXXX XXXX, 2015 the bank confiscated my payroll check from XXXX XXXX, 2015, for {$1000.00}. My check was garnished for child support prior to direct deposit from my employer. I asked the bank manager at XXXX XXXX XXXX XXXX XXXX, NC with no resolution on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 thorough phone and in person. Moreover, Fifth 3rd bank did not confiscate monies in my saving account, WHY NOT?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Conn's, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CONN APPLIANCES INC Under dispute Date opened XX/XX/2018 Balance {$3500.00} ( This information is incorrect, My home was destroyed due to a tornado that happened XX/XX/2018, Prior to this everything was paid on time, I called Conns Appliance informing them of what happened and that i no longer had the furniture that they wanted me to pay for, They told me to file an insurance claim which i did and heard nothing else regarding the matter. At the time of this disaster where i lost my home i was also in the hospital after giving birth to my son. This has caused major stress in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
XXXXime has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed CFPB Complaints # XXXX, XXXX, and XXXX last on XX/XX/XXXX but it seems that my complaint was closed upon checking it. I would like to resubmit a complaint to you today to remove unverifiable accounts, inaccurate personal information, and inquiry : XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$55.00} ; XXXX ; that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.

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 2023-04-26
Company: EQUIFAX, INC.
State: AZ
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 rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : act # XXXX, XXXX XXXX XXXX  : act # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : act # XXXX, XXXX XXXX XXXX : act # XXXX 15 U.S.C. 1681 section 602A. states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: GA
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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2015-06-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I orginally had signed a lease for 6 months at this complex but later on that day I found out that I was being laid off ( During the Financial Breakdown of 2008 ). I called the then property manager XXXX and let her know what had transpire and she agreed to cancel the agreement. Three years later I have a collection hit on my credit report of a broken lease with XXXX XXXX from Fair Collections and Outsourcing. I have never lived in this complex and I have been fighting with them to take this off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to express my deep concern and frustration regarding Experian 's continued failure to investigate and resolve the disputes I have submitted. I am compelled to bring this matter to your attention as it is causing significant distress and financial hardships due to the inaccurate information that remains on my credit report. 

Here is a summary of the events and correspondence related to my disputes : XXXX XX/XX/2023, I submitted a dispute letter to Experian via certified mail, tracking number XXXX. The letter was delivered to Experian on XX/XX/2023, providing ample time for investigation and response within the XXXX requirement as mandated by the Fair Credit Reporting Act ( FCRA ). 

XXXX received a response from Experian dated XX/XX/2023, which falsely claimed that my dispute did not appear to come from me or an authorized third party. I assure you that the dispute was indeed initiated by me. 

XXXX XX/XX/2023, I sent a follow-up letter by mail to Experian, reiterating my request for investigation. However, to my astonishment, I received an identical response dated XX/XX/2023, accusing me once again of unauthorized third-party involvement. 

-In an effort to address the accuracy of the information on my credit report, I proceeded to send direct disputes to both XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2023. Unfortunately, I received no response from XXXX XXXX XXXX, which raises concerns about their compliance with consumer protection laws. I also sent a dispute letter to XXXX XXXX on XX/XX/2023, but the letter was returned to me as undeliverable. This highlights the inaccurate information being provided by XXXX XXXX to credit reporting agencies. 

XXXX XX/XX/2023, I submitted yet another dispute to Experian XXXX seeking resolution and requesting accurate investigation results. Unfortunately, no response was received from Experian. 

-Recognizing the urgency of resolving this matter, I submitted a dispute to Experian on XX/XX/2023, attaching copies of the returned mail from XXXX XXXX as evidence of the ongoing dispute. Regrettably, I did not receive any response from Experian regarding this dispute submission either. 

XXXX XX/XX/2023, I sent yet another letter to Experian, once again expressing my concerns and requesting prompt resolution. Despite my efforts, I have yet to receive any response from Experian regarding this dispute.

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 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : CAPITAL ONE BANK USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from XXXX XXXX sometime ago about a debt I supposedly owed. I disputed previously and received a response that it was no long being collected and would be removed from my credit report. However it has n't been 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 2023-04-19
Company: Experian Information Solutions Inc.
State: IL
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'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 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 2022-07-12
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Hi I filed a claim with chime bank my claim number is XXXX they denied my claim within a day so I reopened my claim and I still do not see any money back Into my account when ever I call or chat with chime bank they just keep telling me we are working hard to resolve this and they said i will not be getting the money untill XXXX i can not wait that long i did not authorize these charges please help me get my money back asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to refinance my home loan taking advantage of the lower interest rates out there. I used my own mortgage company ( NewRez ) to refinance my loan. Since I started the process its been a nightmare. Lock of information, not returning my calls or emails to answer any concern or question. Also I want to speak my native language because I feel more comfortable and the representative from Newrez refused to speak with me in my native language even though she admitted to speak my own language. Asking me for information already submitted. Blocking me to speak with a supervisor. I requested to speak with a supervisor a month ago and til todays date no answer. I was told the process would be fast since I provide everything. It has two weeks in underwriter and no response. The loan processor refused to transfer my emails ( complains ) because she said she dont have control or jurisdiction. At the beginning I told them that I didnt want to have same loan officer but same loan officer continue calling me. This loan officer didnt take the time to look fir my submitted information. One time I have to insisted that I sent my documents and finally she checked the spam and my documents were there. She had excuses saying she have many loans in process. I feel discriminated and I think they dont want to give me the locked interest rate because I have a good credit score. They offered me 1.99 %. They just prolonging the time to make me to apply again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
In accordance with the Fair Credit Reporting Act XXXX, XXXX Account # XXXX & XXXX Account # 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 It also states a consumer reporting agency can not furnish an 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 2019-03-13
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cavalry Portfolio Services LLC are attempting to sue me over an alleged XXXX credit card debt from XX/XX/XXXX-XX/XX/XXXX without the required documentation outlined in a 2016 CFPB Consent Order relating to XXXX accounts from this time period ( XX/XX/XXXX-XX/XX/XXXX ). I have been to court on seven separate  occasions asking for this documentation ( effective agreement, minimum of 12 months statements ) only to be asked each time how I plan on paying, as though I had never spoken to them before. 

Details of a similar case and past CFPB complaint made public online by the defendant indicate Cavalry Portfolio Services and their same local representative law office of XXXX XXXX XXXX are aware of this Consent Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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