BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
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:
Hello, I got an alert in XXXX around owning a first installment for an XXXX Account. I have never ever applied for the account or shopped at XXXX in the amount of XXXX. I got an email that I was approved for XXXX. When I reached out to XXXX, the only message I got was you open the account and now you have to pay it. I sent an email to them with all my information to confirm my identify and asked what information was used for credit line approval. Now my fraudulent affirmed account is impacting my credit due to it being 60 days late. In principle, I could probably pay this but my concern is this could potentially happening to other people. It would be great to understand from XXXX  what was used for approval so I can make sure I lock down those identity markers to stop this from happening. Also, what was brought and where was it shipped so I can see where the fraudsters are. I am hoping you can help with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in the mail dated XX/XX/22 from Wakefield & Associates. The letter states that Wakefield & Associates is a debt collector. The creditor is XXXX XXXX XXXX XXXX. The total balance is {$680.00}. The discount balance is {$470.00}. Wakefield & Associates website is chat.wakeassoc.com. Address : - XXXX XXXX XXXX XXXX, TN XXXX. 
- XXXX XXXX XXXX XXXX, TN XXXX. 
Phone numbers : - ( XXXX ) XXXX - XXXX. 
- ( XXXX ) XXXX - XXXX. 
- ( XXXX ) XXXX - XXXX From the letter, it looks like they only accept credit card payments ( XXXX, XXXX, XXXX XXXX ). 
I called and was told that the bill was for unpaid medical. They told me it is a HIPAA violation to tell me where this bill is from ( which doctor billed ) and told me that I have to mail Wakefield with a request for itemization to dispute the bill. I called the hospital ( I received care from ) directly and was told that I have no outstanding bills and that they do not use Wakefield and Associates for collections. I called Wakefield back and gave the person who picked up the account number. He was asking me if I was different people ( he went through a few names ). I asked him why one account number would have more than one name. He said that there are many account holders. I hung up. I am almost certain that this is a scam. I search on XXXX and found similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CITIBANK, N.A.
State: NY
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:
My credit file for Citicards CBNA isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: PHH Mortgage Services Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Services has failed to apply my principle only payment of {$5000.00} made on XX/XX/XXXX. This money is being held in what they call a suspense account. The check was mailed to their address for principal payment and included a cover letter with specific instructions to apply to " principal only '' and the check also indicated this. 

This situation also occurred in XXXX with a {$4000.00} principal only payment. 

This company has demonstrated a pattern of deliberate misapplication of funds to have use of my money during the period taken to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions 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:
EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT/PROFILE, BELOW IS THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX : ACC NO : XXXX DATE OPENED : XX/XX/XXXX AMOUNT : {$1600.00} FRAUDULENT INQUIRIES : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry date : XX/XX/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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: WI
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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2021-02-04
Company: Account Control Technology, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ACT contacts my job daily, despite asking them to only contact me via my cellphone. I can not receive calls at work, and calls have to be transferred to me, disrupting others work day, including mine. This was discussed when I've talked to them before. I work in a school and can not receive calls at any part of the day. Their communication is abrasive, fast, confusing, and purposely predatory. When the do call, they are usually talking very fast and quiet in order to confuse whoever is talking to them. I had payments set up with them, and was still unsure what it that I was agreeing to because the nature of the calls are so purposely quick, confusing, and threatening. At that time, I did ask them to not contact me at work, and they call daily despite that. They were given my cell phone number and my work times so that they know when I am able to be contacted. When they contact me on my cell phone, they do not leave messages, so I am unsure whether a number or contact is legitimate or spam. I do not feel comfortable contacted unknown names and numbers when they are quick talking and asking for personal information, and threatening to garnish wages if you don't make a payment, but you have no clue who they are. I have attempted to change my bank information online, and am not able to. I received a call on XX/XX/2021 which was so quiet and unclear that I couldn't hear what they were saying, and the person continued to try and go through their fast talk and threats, even when I asked if I could have a number to call from my cell phone or if he could contact me on my cell phone. I do not feel safe contacting them due to their threatening contact techniques, and will be contacting a lawyer to handle future issues.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion and XXXX have violated my FCRA consumer rights to ensure these incorrect negative reported items are removed from my consumer credit report. XXXX has incorrectly reported my payment history in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Both credit bureaus have different and incorrect information. I was never late with payments with XXXX XXXX. I made payment arrangements and XXXX agreed to not report my payments as delinquent.

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 2022-02-24
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Grain Technology, Inc.
State: NC
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:
Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e XXXX, XXXX, and XXXX, as allowed by law. 

In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. 

As a diligent consumer, I am concerned about the privacy and security of my personal information as your company is questionable as it pertains to the legality of the lending as there have been an abundance of fraud reports. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXXXXXX  Received letter from AmEx dated XX/XX/XXXXXXXX  containing multiple misstatements and raising the possibility of additional charges. 
XX/XX/XXXXXXXX  ( today ) Contacted AmEx ( XXXX ) and reviewed the XX/XX/XXXXXXXX  letter : 1. ) " ... after a recent review, your American Express account ( s ) listed above ( XXXX XXXX XXXX ) have been cancelled. '' This is false. In fact the account should have been XXXX-out and cancelled on XX/XX/XXXX. Eventually, XXXX found the XX/XX/XXXXXXXX  interaction and agreed. 
2. ) " No further charges will be approved. '' " Please contact ... compan [ ies ] [ that ] have any recurring charges on these accounts... to ensure these bills do not go unpaid. '' " ... destroy any Card ( s ) you may have for the account ( s ). '' Believed I had done all of this XX/XX/XXXX. Asked XXXX if there were any additional charges on the account or if somehow the card had been fraudulently used after XX/XX/XXXX. Fortunately, XXXX said, " No. '' 3. ) " We reviewed... information when making this decision ( to cancel the card/account on XX/XX/XXXXXXXX  ), including your history with us. '' Asked XXXX if AmEx had reviewed every transaction/interaction since XXXX. XXXX did not know but suspected that AmEx had not. 
XXXX. ) " We made this decision for the following reason ( s ) : Your account ( s ) with American Express is or was past due. '' This is false. On XX/XX/XXXXXXXX  I consented to AmEx keeping {$21.00} residual Reward Dollars ( RD ) as a Thank You for cancelling the card/account. In XX/XX/XXXXXXXX  AmEx promised to investigate what happened on XX/XX/XXXXXXXX  - AmEx did not. On XX/XX/XXXXXXXX  AmEx owed me {$100.00}. On XX/XX/XXXXXXXX  AmEx owed me {$690.00}. Informed AmEx ( XXXX ) that if this is not resolved an {$11.00} interest/finance fee will be added on XX/XX/XXXXXXXX  and AmEx will owe me {$700.00}. 
5. ) " ... give us a call at the number on the back of your Card. '' How can I do that when I destroyed the Card on XX/XX/XXXX. Able to contact AmEx via phone numbers from previous interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Help Needed to Correct Credit Reporting Errors Dear Sir/Madam , I am writing to request your assistance in resolving inaccuracies on my credit file. Despite my attempts to address the issue with the credit bureaus, I have not received a response or seen any correction of the incorrect information. 

On XX/XX/2023, I notified the credit credit bureaus XXXX, XXXX, and transUnion about multiple errors regarding my name and address. Unfortunately, the credit bureaus have not taken any action to rectify these mistakes. This situation is concerning as it hinders my access to credit and violates my consumer rights. 

I kindly ask for your intervention to investigate my case and ensure compliance with relevant laws and regulations, such as the Fair Credit Reporting Act ( FCRA ). Specifically, I request that the credit bureaus delete the erroneous information and retain only accurate details. 

My only name Is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Any address or name different the state above should be delete immediately from my credit file. 

I appreciate your prompt attention and support in resolving this matter. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, 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 2022-02-06
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: VA
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXXBalance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original creditor : CXXXX  ) XXXX Balance : {$73.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX XXXX XXXXBalance : {$20.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX XXXX XXXXXXXX Balance : {$1100.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX XXXX XXXXXXXX Balance : {$250.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX XXXX XXXX Balance : {$40.00} ; XXXX XXXX XXXX XXXX Originalcreditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} ; XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Balance : {$1300.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
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:
XX/XX/2021 2 unauthorized inquiries was made on my account from XXXX XXXX, I called the same day to let the lm know on the day I was notified that I didnt apply for anything and I actually talked to a manager who proceeded to help and said the inquiries will be taken care of, time goes by and only 1 of them were removed, I tried to contact XXXX XXXX XXXX follow up with the situation to get them both removed as promised but the company said they dont see a inquiry on their filebut Transunion still has one of the inquiries on file on the date I stated earlier which is resulting me not being able to apply for things, this inquiry should have been removed and I also talked to transunion about 2months ago and there has not been a update.

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