BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: Experian Information Solutions 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:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with  XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

1. XXXX XXXX XXXX XXXX XXXX Account # XXXX BAL {$12000.00}

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report But I have items that are left over which are listed below. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am the co-signer for a student loan and through the interference of an attorney obtained by student because of the continued harassment calls and email messages from XXXX XXXX the attorney was able to obtain an extension through XX/XX/XXXX. Per XXXX XXXX XX/XX/XXXX, I am still responsible for payments dating back from XX/XX/XXXX hrough XX/XX/XXXX. Although no payments were due from XX/XX/XXXX through XX/XX/XXXX, interest in the amount of {$3000.00} was accrued during that period. 
I was never informed by XXXX XXXX XX/XX/XXXX that the student 's loan was granted an extension nor received communication from them regarding payments due. 
I became aware of this situation through an email from XXXX XXXX, a service provided by my XXXX credit card, that advised me of the activity and how it impacted my credit score. Through their service I read that XXXX XXXX Bank had furnished negative information regarding non-payment of student loan to the 3 credit reporting agencies without informing me first that I was responsible for paying loan and non-payment will result in negatively impacting my credit. 
I contacted XXXX, Account Manager at XXXX XXXX on XX/XX/XXXX to inquire about the student 's loan being extended until XX/XX/XXXX, where she could not find documentation regarding the extension and informed me that I was still responsible for monthly payments even though I never received any written communication from XXXX XXXX. 
I do not understand how the student gets an extension on her loan but I, as a co-signer am still responsible for payments.

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 2023-03-08
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps emailing me after I have called and advise to stop.. 
They are violating my privacy as also this the email is a shared email Emails go to XXXX I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC Bank XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX is not reporting the closure of my paid off overdraft on XXXX. I would like this investigated and closed as it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

1. 08 XXXX XXXX XXXX  XXXX XXXX Account # XXXX BAL {$12000.00}

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 2017-12-19
Company: J J Marshall & Associates, Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have asked to cease and assist numerous times. Failed to provide a written, bill or any information sent to my home per request. I asked for something in writing from this company, they forged a company letter head and emailed me a bill, for a ridiculous amount threatening to file a lawsuit at XXXX this evening if the debt was not resolved. This most recent Gentleman 's name was XXXX XXXX and he says he is calling on behalf of " XXXX XXXX XXXX '' for a payday loan that may have been taken out between the years of XXXX all of which I was unemployed and collected unemployment benefits throughout. I am tired of being threatened. The complaint is not stopping these people from calling. They 've disguised their numbers to be local numbers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Debt Recovery Solutions, LLC
State: OH
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 am not liable for this debt with XXXX XXXX XXXXXXXX XXXX I did not sign any paperwork. 
or have any type of agreement with Debt Recovery Solutions. I have recently been made aware that my identity was used. 
around the same time frame. I have not lived at the address since. 2002. I gave never used my credit or had much knowledge of credit until I recently got a car. I have contacted this company Debt Recovery Solutions.. Only thing they tell me is that information is verified, they would not tell me the means and methods they were able to verify, they also initially tried to not give me contact information of the original creditor. Unless they are able to provide more information or any reported communications, they had with me or sign documents this needs to be remove from my account.to prevent further action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the XXXXXXXX XXXX XXXXXXXX XXXX XXXX Numerous Times because they continue to state that i had 2 late payments in 2021 i made a double payment on those 2 Occasions I even sent them a year of my bank statement showing them they are wrong. This is affecting my credit score and the ability to refinance my loan at a much lower interest. I even had a Credit repair company to assist me XXXX XXXX. I have always paid on time even threw a pandemic this is very unfair. Please i need your assistance

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 2022-11-01
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:
On XX/XX/2022, XX/XX/2022, and XX/XX/XXXX i sent disputes to the bureaus to remove the accounts listed below and they did not remove them or send me validation of the accounts. 

Sec. 609 of fair credit reporting act.

Sec. 602 i have the right to privacy. 

XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house and i seen negative items on my report that werent mine. Under the Fair Credit Reporting Act 15 U.S.C 1681 this is against the law. This is detrimental to my livelihood and i have tried multiple times with 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have included documentation from my local court system for the release of judgement of said eviction for {$1800.00} The eviction within the judgment was not enforced and was wrongly granted and incorrectly put on my tenant screening. All parties agreed and settled before eviction date XX/XX/XXXX. I the defendant was told by property manager of XXXX XXXX XXXX XXXX XXXX not to appear in court as eviction is voided by payment made from defendant and excepted by XXXX. 
XXXX XXXX XXXX XXXX XXXX  Has agreed to release of judgment. Please delete from tenants screening.

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 2018-11-11
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was invited by a girl I met on the XXXX app to join a dating event in XXXX. I added her on XXXX app and encouraged me to join the event. 

I have to pay for a membership fee of XXXX in order to do so. Eventually I did via Western Union money transfer to the XXXX on XX/XX/2018. But after making the membership payment, the so-called admin contacted me and offered me to select a few choices of packages in order to finalize and complete my membership. 

Again, I agreed and hesitantly paid a total of XXXX to the same recipient via Western Union money transfer. I was really having some tough time believing them, to the point that I made my first payment in half - XXXX on XX/XX/2018. Another payment of XXXX on XX/XX/2018. And, made the final payment of XXXX on XX/XX/2018. I have attached all these receipts on this site as well. 

However, after that, they refused to give me any invitation to join an event by making a lot of excuses, and telling me that the girl who is supposed to be my partner is no longer available. I already escalated this issue to the Western Union, and currently investigating, and see if I am eligible for a refund. I am more than willing to help in order to investigate this further so these alleged scammers will no longer harm other people. 

Please take note of the following email addresses they are currently using : XXXX XXXX XXXX ( This person is also on XXXX, and XXXX using the name " XXXX XXXX ''. And " XXXX XXXX '' on XXXX - XXXX XXXX   XXXX ) In addition to this, this alleged fraud unit, is also using XXXX XXXX as the recipient of the Western Union money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent multiple disputes and complaints with all 3 credit bureaus and have gotten none of the issues resolved. My report has multiple accounts that are blatantly incorrect and I would like them fixed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
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 checking my credit report and noticed I had quite a few unauthorized inquiries. The following companies below Experian is showing the below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not grant authorization for any of these companies to make an inquiry and view my credit report.

This is a severe infringement of my privacy rights and a violation of Fair Credit Reporting Act Section 1681b ( c ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX received a letter from Wells Fargo stating our 10 yr interest only loan would now turn into a 20yr Arm Loan. at that time we were paying about {$840.00} a month for interest only. The new payment was going to be {$3500.00}. 
We asked them if we could refinance for 30 yrs and they refused. they did not take any kind of application to help with their decision they just said it was not an option. 
We applied for a Loan Modification asking to reduce the principle amount on the home as it was under water because of the fall out at that time and they refused and came back with a large unaffordable payment. 
XX/XX/XXXX we received a Grace Period Notice. They wanted {$7100.00} by XXXX XXXX We went to the Lawyer for Help The Lawyer tried to file a loan modification as well and they refused to even review it. 
XX/XX/XXXX We were advised that they turned our account over to the Lawyers to begin foreclosure proceedings. 
XX/XX/XXXX we received another notice that the new payment was going to be {$3600.00} starting XX/XX/XXXX a few weeks before our home was auctioned off in XX/XX/XXXX they sent us a modification that we originally asked for and by then it was too late for us to accept it. 
They sold our home for {$80000.00} less then what they told us the market value was for us to modify. 
So instead of letting us keep the house they decided to auction it off to someone else and we lost all our investment we had in our home.

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 2023-11-02
Company: EQUIFAX, INC.
State: OK
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Assured Financial LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a packet of documents saying that I owed for medical supplies and the charges had gone to a collection agency. 
Supposed collection agency : Assured Collections. XXXX. XXXX XXXX XXXX XXXX, XXXX, OK. XXXX Supposed XXXX XXXX XXXX  : XXXX XXXX XXXX. ( they have a fake website and don't answer the phone ) They sent me one envelope with separate charges for : {$45.00}, {$98.00}, {$98.00}, {$98.00}, {$98.00}, {$98.00}, {$98.00}, {$45.00}, {$98.00}, {$45.00} for a total of {$820.00}. 
I tried to contact XXXX since supposedly they were billing me but no answer and others have said they are scamming them. Super sad if people fall for this. I am at the address shown on the bill and if I was being billed by a company I would have paid it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lowes has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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