BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Torriere Holdings INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received emails and phine calls from spire recovery solutions. I told th on the phone and via email to send me via certified mail any a d all documents pertaining to the supposed debt and to cease and desist all collections and reporting until such time as the debt has veen validated. On XX/XX/XXXX i received confirmation from them via email that they would get those documents mailed out to me. Then on the XXXX they called again to attempt collection and once again today XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-12-13
Company: Experian Information Solutions 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Account name Account # ( 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. 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 a account without my written instructions 15 USC 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 USC 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 2022-12-21
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Had applied for a personal line of credit. LoanMe to me to change the loan classification to a business loan. Needed the loan to keep payments current but learned rate is usuary at 79 %, then lowered to 65 %. Repeatedly requested a loan modification as I've paid back the original principal twice!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Their investigation did not fix an error on your report

Complaint:
Im not understanding how can yall still report active duty on closed accounts Im not understanding why yall are not listening to me what are yall still telling me Im lying so if Im saying its not me yall say its caused the company says its a match, so my identity information was stolen so you telling me its a match and Im a liar well Im telling you guys its not me its not fair to listen to them and not me Im a customer and Im very unsatisfied cause of the way Im being treated Im being treated as yall dont care about the victims of identity theft,, Wat would you do if it was you and they do yall this it wouldnt feel nice please removed those closed accounts and those negative items on my account please its not me please stop reporting closed accounts on my report dragging my score down worse than wat it is please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
This complaint is about my American Express business platinum account ending in XXXX. The account was closed due to the fact my business lost a recently obtained contract and Im having to adjust my lifestyle and move. Because of this I had to cancel my account. I sent a payment yesterday and today I was checking the remaining balance to be paid off before the due date of XX/XX/2018. I saw I had a negative Memberahip Rewards balance of XXXX XXXX. The card came with a sign up bonus of XXXX points after spending {$10000.00} in the first three months which I did. One attaching the statement which clearly shows spending above the requirement. The points were posted when I met the spending and I transferred them to the airline of my choice. Im respectfully requesting the membership balance be updated to get out of the negative, since it was at XXXX points yesterday. Ive never had this sort of problem with XXXX and I hold several of your cards which I enjoy using and Im an advocate of. I called and spoke with XXXX and then XXXX at the Memberahip Rewards Department. They agreed on a recorded line that I had met all the requirements of the spending and that I shouldnt have a negative balance. As a long time loyal customer Im asking you to do the right thing. Otherwise Ill be forced to close all my accounts with you and move my spending to somewhere else. I sincerely hope your company values their customers and doesnt see us as just numbers. 

Even though the reason for cancelling my XXXX Business card was the loss of most of my upcoming contracts, I contacted American Express to reinstate the card and I will pay for any fees out of my savings in order to get the points reinstated and maintain a long and productive relationship with American Express. Im unsure as to why this has become a problem when a valuable customer is under duress financially and wants to do the right thing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have asked this third party company to validate this debt several times and I also asked for. a purchase agreement to be included in the validation process also an they refuse to validate the debt and I also sent a letter requesting arbitration also andth ey received it on XX/XX/XXXX and I have yet to hear anything from them and every time I call I get talked to very disrespectful and so unprofessiona I never gave XXXX my permission to share my personal in formation with anyone else I never signed a letter or gave my oral consent to share my information to an one else 15usc 1681 section 602 that I have the right to privacy and my privacy has been clearly violated by the unauthorized sharing of my personal information with a third party company that I have no knowledge of and that I don't have an account or ever done bussineees with

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 2023-10-03
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collection from a company called Progressive Management Systems ( Prog Mgt Sys ) in the amount of {$6200.00} which I believe is a fraudulent account. The dates opened are different on every credit bureau and per the FCRA an inaccuracies need be corrected or deleted from my credit report. I also do not owe any medical facility any money as the only treatment I have had in the past 3 years has been covered by my insurance. I would like to obtain proof that the debt owed is mine and that it does not violate HIPAA or the FCRA otherwise such should be deleted from my report as it has put a burden on my ability to responsibly obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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: Information belongs to someone else

Complaint:
Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was XXXX years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much to worry about. We recently parted ways due to abuse both verbal and physical. 
There are Collections, inquiries, and addresses listed on all 3 of report that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX   {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX XXXX : XX/XX/2019

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 2023-11-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was victim of the Equifax data breach and its accounts on my consumer report that I do not recognize and my personal information was compromised by Equifax and it has almost ruined my credit worthiness and ability to obtain a loan or any thing else that data breach has impacted my life in a very negative way and it was at no fault of mine and Equifax just admitted to reporting wrong scores and information about a year ago also I lost a home loan and a car lease because of the score that Equifax had reported wrongly on my consumer report about a year and a half ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Westlake Services, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023 I XXXX XXXX attempted to create a credit profile with XXXX credit bureau to check my credit score, only to learn that someone has already created an account in my name, so I contacted the XXXX fraud department and explain to them that I did not create this account, the fraud department placed an fraud alert on my credit report. Once I had access to the fraudulent account with the help of the fraud department I notice there were quite a few accounts on my report I didn't recognize, ( 2 ) XXXX XXXXXXXX credit cards, the first one amount is XXXX the second amount is XXXX a XXXX XXXX card in the amount of XXXX, and a total Card in the amount of XXXX and a XXXX XXXX insurance Policy in my name in the amount of XXXX dollars, Also an XXXX XXXX account in the amount of XXXX dollars, Also an west Lake financial Auto Loan I contacted them it was closed, amount XXXX dollars, also an account with XXXX XXXX bank in the amount of XXXX  dollars, and XXXX  Business account in the amount of XXXX dollars and a XXXX acount with the amount being XXXX plus dollars still awaiting the exact amount from XXXX i contacted there fruad department on XX/XX/2023 2023

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 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XXXX XXXX, 2017 my credit report was pulled by XXXX, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. XXXX called and I told them I did not request a XXXX Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the hands of the wrong person.

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 2022-10-07
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting the balance twice on credit report. That is redundantancy. It should not be listed in comments, it's already established in the appropriate location on report Under Balance. Please remove this disgraceful company from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: LEXISNEXIS
State: IL
Product: Credit reporting 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 been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/2016 Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent request to all XXXX credit bureaus to correct my legal name and and remove all the other names and other address but my present address on my credit report and they have not responded. I have also filed request regarding the Fair Credit reporting act for accounts to be removed from my credit report and for payments to not reflect negative due to the covid XXXX period. I am attaching all my documentation supporting my request that was sent to XXXX, XXXX and Equifax. 

I would like to thank you in advance for your time and assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: Williams & Fudge, Inc
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Florida XXXX and XXXX XXXX XXXX XXXX about my federal loan. They are refusing to apply the amount I qualified for in Fall of XXXX. They are claiming there are timelines. This is not true. I contacted fasa and they said it is up to the school. Furthermore, I was told my financial aid was incomplete by the university. I never received any correspondence stating this. 
I and, my mother contacted the University 's financial aid office several times, and was told everything was fine and, my award would automatically be applied to my.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 2023-01-17
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I opened the car loan in XXXX, got my car repossessed due to a missed payment and paid the amount plus fees to get my car back in XXXX. In XXXX I paid off my car loan and to this day XX/XX/XXXX its still on my credit report affecting it negatively.

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