BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX XXXX XXXX about an unauthorized hard inquiry made on XX/XX/2022. XXXX XXXX XXXX informed me that XXXXXXXX XXXX XXXX  made the inquiry. XXXXXXXX XXXX XXXXXXXX only had authorization to submit a soft inquiry, this inquiry by XXXXXXXX XXXX XXXXXXXX was not authorized. I have contacted all involved institutions but XXXX XXXX XXXX will not remove the hard inquiry. XXXXXXXX XXXX XXXXXXXX has not contacted me. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX XXXX XXXX must contact the reporting credit bureau for removal.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfolio Recovery Associates continues to call my spouse about my debt from 5 years ago. He has repeatedly told them to stop calling and they continue. They call about 10 times a day from 10 different numbers. I also never received any written documentation about this debt to any address Ive ever lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Checkr, Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2019 the report says that I have a accident with property damage. 
That wasnt me, completely wrong person. 
It needs to be taken off of my report. 

Thanks -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 9TH 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 an alleged fraud or extortion. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
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:
I sent a letter out to Equifax on XX/XX/XXXX, XXXX to Dispute incorrect information reporting on my credit report Along with an Identity Theft report from the XXXX Trade Commission. The incorrect information that needed to be Deleted is XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXXXXXX. However, the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rule of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. 

I would like to know whom they talked to validate this accuracy and what documents were furnished to complete this investigation. 

Please also provide me with handwritten signatures which were used to obtain such items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
DIVERSIFIED CONSULTANTS has been harassing me for years over my XXXX phone bill from XX/XX/XXXX. Granted the collection is past due and is a little over a thousand dollars in total. Now the reason I refuse to pay the debt is because I was XXXX XXXX   almost the whole year of XX/XX/XXXX. During that year my phone through XXXX was broken and my service I'm assuming ended. Ive told this company to stop harassing me with phone calls and " attmepts to collect a debt ''. All its doing is traumatizing me and negatively affecting my credit! I want this collection removed and I want to be left alone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have filed disputes with transunion, XXXX and a complaint with CFPB concerning the disputes, still nothing is done.In a recorded call XXXX explained they only go by the debt collectors statement and if it matches what the debt collector reported then information remains. If I send documents from XXXX they will not look at it, as the woman at XXXX explained " anyone can type a paper and sign it '' so it breaks down to only consumers lie.. I am re disputing with the documents I am attaching to you. I still even have the emails from and to XXXX of the first missed payment to show that among other false statements, the account has been re aged.

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 2020-05-29
Company: EQUIFAX, 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX  Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX. Account name : XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX, XXXX # XXXX account name : XXXX, XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
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: Investigation took more than 30 days

Complaint:
I have reached out to TransUnion Consumer Relations several times about this matter and its been well over 90 days and I have yet to hear anything back from them. The last dated comply letter was XXXX. It is doin no good to keep reaching out to them as they don't comply with any regulation rules nor do they comply with their own rule and or company polices. I need help because this situation is destroying my credit worthiness and attacking my character.

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 2020-07-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed my credit account with amazon because it hadnt been used in 9 months, I called to try to get it reactivated and explained the only reason I hadnt used the account was I was trying to purchase a home and was advised by my broker to not used my credit before my loan was finalized. My credit has done nothing but increase since Ive had this card, and I had a perfect payment record for over 2 years since opening my account. They did not care and said I would have to reapply if I wanted my account back. Now the account being closed will likely affect my credit in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: LEXISNEXIS
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:
To whom it may concern : In my credit report there are account that are not mine, I'd like for you to remove these account from my credit report, because I may have been a victim of identity theft, an FTC report is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Equitable Acceptance Corp
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I received you product, on XX/XX/XXXX I sent in the Cancellation Notice via US mail. I also sent an email to the finance company to let them know the Cancellation Notice was sent as well on XX/XX/XXXX. I tried calling the number on the notice XXXX as well as XXXX but these numbers just rang and rang. I emailed the office as well on the XXXX day since I heard nothing from anyone, I finally got a response but just to be told there was nothing they could do. 
I even sent a letter to XXXX 's corporate office and have not heard anything back. 
Attached please find the correspondence. I do not want this contract and did everything I was supposed to do per the contract. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked and appalled when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2020-09-22
Company: EQUIFAX, INC.
State: CO
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 filed the proper FTC affidavit and police report. I sent a letter with both attached to it to XXXX XXXX. They apparently verified the information as accurate despite the clear evidence that I submitted. This is a huge violation of my rights. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Account status incorrect

Complaint:
I called the credit reporting agencies and let them know that the account from XXXX XXXX they're reporting is inaccurate and it shouldn't be there. I have proof that the account is not mine and it has to be deleted from my credit report. Below is a letter that shows what I'm writing is true. I have been trying to resolve this matter since 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 2020-07-26
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
At the end of XXXX, I opened a SoFi bank account with a {$75.00} welcome member bonus. I had to " download the all-in-one app, set up direct deposit, and BOOM, get another {$75.00}. '' I downloaded the app and set up direct deposit. My company direct deposited {$500.00} on XX/XX/XXXX. Two months later, I still had not received the welcome member bonus. On XX/XX/XXXX, I contacted SoFi to request the bonus. In one day, BOOM, XXXX responded that I had not qualified because their offer " requires two direct deposits. '' However, the offer attached for the welcoming member bonus specifically states to " set up direct deposit. '' There is no language as to depositing one, two, or three deposits. I downloaded the all-in-one app and set up direct deposit. SoFi states that they sent out a mysterious e-mail requiring two direct deposits. I never received any such e-mail and fulfilled the welcome member bonus conditions that were given in the original contract/webpage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21
Company: Credit Plus Inc
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX  While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : CREDIT PLUS XXXX XXXX XXXX, MD XXXX  ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of identity theft. XXXX XXXX XXXX, a debt collector, is attempting to collect a debt for an apartment lease executed in my name without my knowledge. I directly contacted the debt collector via certified mail in XX/XX/XXXX. The debt collector did not respond. I then filed a complaint against the debt collector with the CFPB on XX/XX/XXXX -  complaint XXXX. I included a copy of the police report as well as my full name, social security number and DOB in the CFPB complaint. I instructed the debt collector in the CFPB complaint to stop contacting me via phone and to only contact me in writing. The debt collector has continued to attempt to reach me via phone and has never mailed me anything. The debt collector responded to the CFPB complaint asking me to call them and telling me they could not locate my account, even with all the information included in the complaint. The CFPB can verify this by looking at the closed complaint. I now have an address in XXXX XXXX being reported on my credit report that I have never been associated with. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Other creditors may be opening accounts in my name without my knowledge and using this fraudulent address to send mail to. I have contacted the apartment complex in XXXX XXXX that XXXX XXXX XXXX has reported as a valid address on my credit profile and have received a letter from the apartment complex confirming I do not live at this address nor have I ever. I have also updated my Affidavit of Identity theft through the FTC and have attached a copy of that to this dispute. I contacted the credit bureaus via phone to inform them that I have this letter from the apartment complex saying I never lived there and was not able to upload it as neither upload site was working correctly. This letter from the apartment complex is signed, dated and includes contact information. The credit bureaus give me a pre-prepared response saying they are opening a dispute on my behalf and that they are contacting XXXX XXXX XXXX to verify the information. XXXX XXXX XXXX has already proven that they are not following the Fair Credit Reporting Act and the evidence of that is in the CFPB portal.

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 2022-10-27
Company: EQUIFAX, 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:
When I searched for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was acquired by an aggregator website, which advised me to check the website 's FAQ section before contacting approximately nine separate websites. I felt humiliated by the fact that I had to request that my belongings be taken, as I value my privacy. I discovered unauthorized fraudulent accounts on my credit report ; I would like these accounts to be removed and rectified. Remove all fraudulent and negative accounts from my credit report. This has impeded my capacity to obtain credit. I am making every effort to regain control of my life. Please help me eliminate all fraudulent accounts. Please inform me of any additional steps that can be taken to remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2018 - for over a month I have tried to access my BBVA Compass checking account. Everytime I call they say I need my account number to access my account. They won't let me use my ATM card or any other information, SS, DOB, address, etc.

They won't send a paper statement. They won't help access the account by sending a link to reset, they flat do not help if you do not have the account number and they won't send out a paper statement so I can get the account number.

Company response to consumer: Closed with explanation