BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
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:
I reported a suspicious account opening involving my personal information to the appropriate XXXX, XXXX, and Transunion personnel on XX/XX/XXXX I begged everyone to delete these accounts since I had no idea how they got there. All three companies gave me advice on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still mentioned in my paperwork since they had been " verified. '' This is a problem that terrifies and bothers me since it hinders my family and I from purchasing a home. I contacted the three companies again on XX/XX/XXXX to ask how they could confirm that these accounts belong to me. They said there was nothing they could do to help me and that I had to speak directly to the debt collectors. The customer called the wrong bank and left a message ; they don't know who I am or what kind of account they are talking about. Just to be sure not to be mistaken, I searched the internet. My friends recommended me to visit the CFPB website. Me and my family can't wait to find the home we're looking for, so I thought it would work.

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 2021-12-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021 I sent a letter requesting that the its disputed be verified sending the documents used to verify these debts. XX/XX/XXXX the letter was delivered and I have not received respond. I have provided all the documents and the tracking confirmation that they received the letter on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have 20 unauthorized inquires on my Equifax, XXXX and XXXX  credit report. I wrote a letter explaining that these were unauthorized inquires and that I would like for them to be removed to make sure my credit report was accurate as possible. XXXX investigated and deleted the inquires but Equifax and XXXX  failed to respond or take action about the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: NH
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 was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX   XXXX {$8400.00} XXXX/XXXX XXXX XXXX {$490.00} XXXX XXXX   XXXX XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-01-17
Company: EQUIFAX, INC.
State: MI
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:
I am trying to get funding for my business and these inquiries are negative on my profile. These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries. Please delete these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/18-Called Specialized Loan Servicing to inquire why I am not receiving payment coupons. The Representative XXXX # XXXX said my loan was put into 'fourth position '' and this is happening to a lot of customers but the company does not know why. They are in the process of taking each loan number as Customers call to investigate. 

XXXX could not tell me why the loan status was moved. When I requested an explanation letter from the company explaining what has happened over the last several months of payment coupons stopping, she said the company would not do that. Unbelievable! This is unacceptable. I asked XXXX who or what company made the decision to place 3 other debts in front of my loan and to identify the debts. I have no liens. She said SLS does not tell them and she could not tell me, and they would not send me a letter of explanation. I did pay my current amount due over the phone with XXXX who said she would waive the fee. 

I need the help of cfpb because SLS continues in bad behavior and gets away with it. I say this because below are previous cfpb complaint # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXXXX/XX/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 explanation
Consumer complaint received 2023-12-26
Company: CITIBANK, N.A.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX Macys credit said that they will send me a letter in XXXX business days for my records the letter was to state that I have been removed from their company as an authorized user as per my request since XX/XX/XXXX they stated to me that I am no longer an authorized user since XX/XX/XXXX my mother is the account holder and she had to make several requests for them at that time to get me removed initially I was informed again in XX/XX/XXXX while I was working with a veterans mortgage servicing company that Macys was still appearing on my credit reports as an open account although they tell me on the phone that I am no longer an authorized user since XX/XX/XXXX I would like for them to report the correct information to the credit agencies they have been reporting false information for 12 months and me and my mother who is the account holder have called them over XXXX times now they keep saying that a letter will be sent to us stating that the problem is corrected and no letter ever appears they also state that the credit agencies have been informed to remove me as an authorized user since XX/XX/XXXXXXXX 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 2022-08-04
Company: EQUIFAX, INC.
State: PA
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 XXXX Account # XXXX and XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: T.S. Holdings
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My girlfriend and I both received identical letters ( attached below ) from I.Q. Data International , INC via USPS stating that we owe {$690.00} to XXXX ( XXXX  ). Knowing that this debt does not belong to us, I composed a debt verification letter ( attached below ) requesting verification of this debt with proper documentation. After checking the box indicating that we are disputing this debt, I returned the initial letter along with the debt verification letter to I.Q. Data International via certified mail. I utilized certified mail to ensure that I would receive notice upon delivery ( attached below ). Under federal law, I.Q. Data International is required to provide us with documentation verifying this debt within thirty days after receiving our request. They received the debt verification letter on XX/XX/XXXX This can be verified by the signed return receipt, which I have attached below. Because they failed to respond I assumed that they were unable to validate the debt and therefore, I considered this matter closed. However, my girlfriend continues to receive multiple phone calls a day, during which they attempt to bully her into paying this debt immediately. They have also wrongfully sent our debt to credit report agencies which has negatively affected our credit scores. After reviewing the steps we have taken, I suspect their actions violate our rights under federal law. Along with this complaint I will also be filing complaints through my state attorney general as well as the Federal Trade Commission. We do not wish to press charges against I.Q. Data International, although we are certain their actions would justify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an invitation from American Express Co via USPS mail on XX/XX/2021 to upgrade my Gold card to Platinum, POID : XXXX, RSVP # XXXX XXXX XXXX exp:XX/XX/2021. The invitation has a promo for XXXX membership rewards point + {$150.00} Statement Credit if I spend {$6000.00} on the card within 6 months of the upgrade. I called Amex on XX/XX/2021 at XXXX XXXX  MST and did the upgrade and informed the operator I have a promo code, she told she has a copy of the letter with her and will apply the promo to my upgrade. I received the card and welcome letter but it didn't say anything about the upgrade, so call AmEx again on XX/XX/2021 at XXXX ; XXXX mst to make sure the promo has been applied, I talked to XXXX, who informed me that the promotion was not applied and she doesn't see it on my account. Asked to speak to supervisor but was denied and said one will call you in 48 business hours. This fraud, deception and unfair practices committed by American Express co. I request severe punishment and fines to be assessed on Amex and force Amex to honor their promotion and apply the XXXX rewards and {$150.00} to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company obtained my information and is reporting this on my consumer report without my written consent. I have no contract with this company

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 2021-08-29
Company: STERLING JEWELERS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint against KAY JEWELERS because they are attempting to collect a debt that I do not owe them. Account Name : KAY JEWELERS, Account Number : XXXX I would like for KAY JEWELERS to show proof of verification that I owe them {$1500.00} with the account above. To my knowledge, this account has been paid. KAY JEWELERS is reporting inaccurate information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To whom it may catch their attention, on the end of the month of XXXX I started disputing and allege Account with Santander Consumer USA XXXX And XXXX XXXX XXXX in the city of XXXX CA, I have noticed Several illegal activities on the contract. I addressed this with the dealership and with santander consumer USA. I have asked for verification on the contract of the vehicle, I have also noticed that I am making payment to Santander Consumer USA. on the contract that I signed With XXXX XXXX XXXX Shows My signature. But not Santander Consumer USA. In order for a contract to be valid both parties Signature Needs to be in that contract. to me, this is considered fraud I would like to continue making my payments. as requested by santander, consumer USA. If Santander. Could provide me with a signed invoice I will be happy to pay it. But if Santander Consumer USA. Can not provide me? With that sign invoice I am considering this account as discharge and regarding XXXX XXXX XXXX. The {$5000.00} given for the down payment of the Vehicle which I Was not required to pay. Needs to be returned to the consumer Also, to my knowledge, Santander Consumer USA XXXX TENDER OF PAYMENT. 
If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorse or accommodation party having a right of recourse with respect to the obligation to which the tender relates. If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Also, my understandings are the following.

Obligation to my knowledge the term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank. 
currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Hillcrest Davidson & Associates
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency, Hillcrest Davidson, collected an amount far larger than the unpaid balances, by lying to me that this amount will be credited back to XXXX ( original company that engaged the collection agency ). But the amount was pocketed by collection agency and no one seems to know where the amount is. Hillcrest Davidson collected {$1200.00} from me on XXXX XXXX, 2015, while the past due balance was a small fraction of the collected amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX and XXXX XXXX. 
Purchase a 2018 XXXX XXXX XXXX on XXXX. XXXX paid a partial payment and left a {$41.00} balance for 90+ days. They have ruined my report. The car has been broke since the purchase date. Not one of the 7 places that I have been can fix this car. Can't duplicate why the wheel wobbles in the rear. Deliberate sabotage. The finance company was well aware this car was broken from day 1. Not one car creditor has ever taken 90+ days to payoff a vehicle. I tried to trade this car in and all the finance companies ate asking me for XXXX in negative equity for a broke car. 
XXXX is my contact along with phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2023-06-09
Company: OneMain Finance Corporation
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have several inquiries from One main financial I didnt authorize. I have one from XXXX  XXXX  I didnt authorize and one from XXXX XXXX XXXX that is unauthorized as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are several items as detailed below that are currently reporting on my consumer report that is a result of identity theft. I have never given written consent nor written instructions for the identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C 1681b this company does not have a permissible purpose to report this information. I am asserting that I believed this company obtained my personal nonpublic information by way of aggravated identity theft and in accordance with 15 U.S.C. 1681c-2 they must block the reporting information that is identified as a result of identity theft no later than 4 business days after the date of receipt.

My demand to block this information is not being made in error nor is this demand being made on the basis of misrepresentation of fact. The transactions are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition, I demand the following inquiries be blocked and deleted as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX is also reporting addresses that I have never lived at and phone numbers that I have never had. There are also inaccurate spellings of my name that are not accurate. XXXX is required to report accurate and complete information and the below information is not accurate. 

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  PLEASE SEE ATTACHMENT FOR IDENTITY THEFT REPORT AND IDENTITY THEFT AFFIDAVIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-05-10
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have written 5 Letters, directly-indirectly, requesting Medical Data Systems ( MDS ) dba Medical Revenue Service remove themselves from my Credit Reports. I have never done business with this Company. 
They have refused and as a result have damaged by credit worthiness and I have not been able to obtain employment. 

This Company, MDS, obtained and sent me medical records that contained my confidential Social Security Number, Drivers License, and Medical Tests that I had no knowledge of, nor did not I authorize ; this is IDENTITY THIEF ; and is also a direct violation of HIPAA Federal Laws.

MDS placed 3-years old improper medical exams that they were not a Party to nor had a business relationship with on my Credit File.

They completely ignored Federal Regulations? They should be held accountable for these numerous Federal violations.

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