BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
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:
Identity Theft, Transunion is reporting a fraudulent account from XXXX XXXX XXXX to my credit file. 

I do not have a debt or a contract with XXXX XXXX XXXX, and they are reporting inaccurate information on my credit report on TRANSUNION. I dont give them permission to report this information and ask for an immediate removal. They have yet to substantiate a proof of method of verification. I spoke with the original creditor in question and they said i don't have a debt with them. 

XXXX XXXX XXXX is not licensed to practice debt collection in the state of Georgia. They showed a contract that is not between me and XXXX XXXX XXXX but an entirely different company. I have voice recording from said company that I do not have a debt obligation from an employee named XXXX. This is fraudulent and frivolous and should be addressed immediately. 

This company is in violation of 15 U.S. Code 6802 and 6803. I do not give them permission to furnish my personal information or status to non-affiliated entities. I was never given proper notice and have not given written consent to this company. Their mishandling of my information is causing damage and distress to me and my family. 
This account is involved in litigation.

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 2020-11-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hello, I submitted a dispute in XXXX and I still have not heard back from the credit Bureau. The same thing has happened in XXXX, XXXX, and XXXX. Please take a note on why my disputes are not being address, I feel there is a bias towards my file. At the very least I would get a letter with the out come of the investigation but this year has been a total disregard for certain people.

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 2017-05-25
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Received by mail an unsolici ted Mastercard ( Prepaid ) card from Netspend. T his was not requested.   The card is a prep aid Debit card that requires the holder to file Social Security and bank account routing numbers to Netspend, w hereby they will then charge the holder a monthly fee of {$5.00} to handle funds.     I have been advised th at  XXXX  sold off this service to Netspend, which is now simply mass mailing these Mastercard products t o unsuspecting people.

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 2023-09-22
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My husband and I initially opened a savings account with CITI Bank. However, because we couldn't transfer funds into this account, we contacted the bank to close it. During the call, we interacted with an automated system and provided my Social Security Number ( SSN ).

The automated system mistakenly closed the credit card associated with my SSN rather than my savings account. Consequently, on XX/XX/2023, my credit score plummeted by XXXX points. 

I tried to call CITI bank to correct this mistake. However, they told me that they couldn't reverse the credit score reduction. Their proposed solution was to reopen the credit card, but this would entail a hard inquiry, causing further damage to my credit score.

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 2021-05-30
Company: EQUIFAX, INC.
State: WA
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 went to XXXX XXXX located in XXXX, Washington to purchase a used car. I was already pre-approved through XXXX XXXX for the loan and had a check in hand with me. I was putting down {$5000.00} as a down payment. The guy said he needed to run my credit. I asked why? Im pre-approved through my bank already. He said its a soft hit for the check to verify it. I said okay, No need to check my credit for a loan approval. They took my ssn, drivers license and information and after 20 minutes I got a notice to my email saying there was a inquiry to my credit report. I was angry because I had just got a inquiry getting the loan approved through my bank. 

The employee at the dealer kept lying saying he didnt pull my credit report and it was just a soft hit to verify the check. I said why didnt you call the bank to verify the check. He said they always do a soft verification for checks. He was lying. Another couple was getting a car and presented a check and I didnt hear them tell them they would have to check their credit for the check. 

They kept saying they didnt do a hard hit but they did. I went back and forth with the manager trying to get it removed over the phone for several weeks. He said he would take care of it and never did. The credit bureaus dont allow you to dispute a hard hit online. You have to send in a letter and go through several inconvenience steps when this should have never happened. I want this inquiry removed. I feel they only verified me because I was a XXXX guy presenting this check!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Capital Accounts, LLC
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had work done by my XXXX that was not covered by insurance. After 120 days, they turned my account over to a collection agency. On three separate occasions, the collection agency has called me at work, each time being told that my employer does not allow personal calls. On the third call, the operator became belligerent with me when I refused to give my checking account/debit card information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
they added double the amount onto my escrow acct my ins went up XXXX in may they added XXXX to my escrow which made payment go up by XXXX a month. this co bought my mortage years ago at XXXX at XXXX percent and it won't be paid off until XXXX don't make sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: CT
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:
After initiating a complaint of inaccurate information your reporting on my credit report on XX/XX/2021 then receiving a response of verified from Equifax. I then sent you another letter requesting your Method of Verification which you received on XX/XX/21 and you signed for and I received NO response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 1. # XXXX XXXX XXXX XXXX  XXXX # XXXX 2. # XXXX XXXX XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX, Accounts # XXXX # XXXX # XXXX 4.XXXX # XXXX 5.XXXX XXXX XXXX  # XXXXExperian 6 XXXX Medical # XXXX 7.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX Experian XXXX Has violated my rights XXXX 


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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-11-24
Company: Innovis
State: OH
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  OH XXXX SS XXXX XXXX XXXX I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed this inaccurate account multiple times in XXXX, and I see now XX/XX/XXXX this account has update and modified itself after my XX/XX/XXXX dispute, which still did not address the inaccuracies! The XXXX account is violating : 1 ) 15 U.S.C 16801 accuracy and fairness of credit reporting XXXX ) XXXX XXXX ( a ) duty to provide notice of delinquency of accounts- that it is to be reported to the agency of the date of alleged delinquency on the account, which shall be the MONTH AND YEAR ; not continue to report over and over for however long or up until 7 years! 

3 ) 15 U.S.C 6801 protection of nonpublic personal information, the financial institution are suppose to protect my personal information, not give it out without my permission 4 ) 15 USC 6802 obligations with respect to disclosing information, 3 disclosures forms were never given to me 5 ) The Heros Act Section 110401 has also be violated, during COVID-19 consumer reporting

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 2019-11-24
Company: CORELOGIC INC
State: OH
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  OH XXXX SS XXXX XXXX XXXX I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO 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 2023-06-05
Company: Experian Information Solutions Inc.
State: TN
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 reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer reporting agencies have assumed an important role and have a responsibility to report consumer information to the best of their ability with precise accuracy. I have never been late on payments for this account ( XXXXXXXX XXXX XXXX, acct # XXXX ). Please investigate and provide me accurate proof with statements showing that these payments were late. If proof cant be provided I sincerely ask these payments be updated to On Time as they should be being that I was never late. Thanks for your time handling 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 explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
In Accordance with the Fair Credit Reporting Act 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 State a Consumer Reporting Agency Can not Furnish a Account without my written Instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
On XXXX XXXX, XXXX, I used the Discover Card convenience check mailed to me by Discover by depositing this check witXXXX XXXX XXXX Before using, I called Discover, and Discover customer service rep told me, after looking up my account, that I have available credit to cover the check for {$3000.00}, and I was told by Discover that I could use this check just like any ordinary check XXXX call is recorded and stored on mp3 and took place XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was notified by XXXX that the check was returned, and I was notified by Discover that they are dishonoring the check, even though Discover told me before hand that the convenience check for {$3000.00} would be paid by Discover, and that the {$3000.00} balance would appear on my credit card statement. The check should have been paid as agreed between myself and Discover on XXXX/XXXX/XXXX, and the terms and conditions of the convenience checks sent to me by Discover do not indicate any restrictions or limitations, except available credit only, which there was plenty of on the date and time Discvover dishorored the check in bad faith, breaching their contract and fiduciary duty to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set up a payment plan with the company ; 4 payments of {$20.00} on the  XXXX  and the  XXXX . I called on  X/XX/17    to CANCEL the payment and the gentleman on the phone told me he would have the payments deleted. I am unhappy with the call. It was unprofessional and the man did n't read any disclosures nor did he verify me or assure me that he was even on the correct account until I questioned him about it. My card was still charged on  XXXX  even though I was told it would be canceled. I called the company to request a refund but the payment coming out has cause me to be unable to take care of other pressing matters. I do not feel comfortable dealing with this agency. The call made me feel as if I was n't speaking with an actual legitimate company. I feel lied to and even though {$20.00} may not seem like a lot to most it is a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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: Personal information incorrect

Complaint:
After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. You must follow proper procedures if these claims are in your system and to be used in my credit reports! 

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Consumer Adjustment Company Incorporated
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I called Consumer Adjusment Co to verify their mailing address because it is forever changing and the address they had listed on their website vs the address they had listed on my credit report was different. The address on their website was supposedly accurate ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while the address on my consumer report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was listed as " out of business '' on XXXX, but that's recently been adjusted and now there's a new address on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which does not exist and shows up only as XXXX XXXX XXXX and nothing in that building has them listed as business. So figuring out which address was unreasonably confusing and once I got confirmation over the phone what the correct address was ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I mailed out a request for debt validation on XX/XX/XXXX via certified mail ( Tracking no. : XXXX XXXX XXXX XXXX XXXX ). This notice was marked as delivered on XX/XX/XXXX as " Left with an Individual/Front Desk '' . 

To this day, XX/XX/XXXX, Consumer Adjustment Co has completely failed to respond to my request for debt validation AND remove the item from my consumer reports. I have allowed several additional business days to account for the possibility of mail being slow and I have received nothing. Because they have failed respond at all they must remove the account from my consumer report, they are, at the very least, also in violation of 12 CFR 1006.34c, 12 CFR 1006.42, Regulation F, and 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
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: Account status incorrect

Complaint:
Please be advised that not only do I have no knowledge of the trade line XXXX XXXXXXXX is reporting on my credit but you are also in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have tried numerous of times to contact this. Attached is a letter from the 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 2022-06-16
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are on my credit report and they need to be removed.

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