BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: UT
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:
This is Experian 's Boost program. It is specifically the self reported account for XXXX. 

Social Security Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Original Creditor XXXX  Company Sold - Account Type Telecom Date Opened - Account Status Open Payment Status Current Status Updated XX/XX/2019 Usage - Balance {$58.00} Balance Updated XX/XX/2019 Original Amount - Monthly Payment {$58.00} This program, even though only about three months old, is flawed. Th problem is that this is installment account. So the payment is also being reported as a balance instead of showing XXXX. This is affecting my 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 non-monetary relief
Consumer complaint received 2019-07-02
Company: Supreme Lending
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was referred to a mortgage/loan officer by my sister-in-law. After filling out the credit application I became aware of the fact that the loan officer had shared my personal financial information with a my sister-in-law, she was not a co applicant nor in any other way associated with my loan besides making a personal recommendation of this loan officer. This inappropriate sharing of my personal information led to many uncomfortable questions and confrontations with my sister-in-law. I would like to know if and what recourse I have in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, XXXX Sequium Asset Solutions put an adverse report on my credit on all 3 credit bureaus.

This is not my debt. I think it is for a cable bill to a house in Texas. I live in  XXXX Florida and have lived here non-stop since XXXX. I don't know anyone in Texas. 
I have tried to contact Sequium but could get very little information. I have tried to contact the credit bureaus but they want documentation. I have none. Sequium never called me or wrote to me before they reported it to the credit bureaus.

The bill is for {$180.00}.

I was given the phone number of a compliance manager at Sequium but every time I call it goes to voice mail and I am unable to leave a message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Insight Management Partners, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is calling all people associated to me through addresses, relationships, etc. They are telling them it is a financial matter I need to contact them. I have never even given the numbers of the people they have called. Its embarrassing and it's intrusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I applied for a XXXX Store Card on XX/XX/18 which is offered through XXXX XXXX out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score.

My complaint is the credit score XXXX XXXX pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what XXXX XXXX has reported. Another key factor that adversely affected my score with XXXX is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX XXXX Credit Card and XXXX Credit Card ). 

When I search the address for XXXX XXXX online, it doesn't give an address in Florida and I'm concerned that the address given for XXXX XXXX on the letter that is listed in XXXX Florida is incorrect. 

XXXX XXXX states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over 600. Your assistance on resolving the big gap in scores is greatly appreciated!

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have informed Transunion by several disputed in the past that the accounts that they are listing on my credit report do not belong to me. I have explained that I have no knowledge of the following accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, there is also accounts listed for XXXX XXXX XXXX. There are two addresses listed that I have never lived at XXXX XXXX, & XXXX XXXX XXXX. Also there are several inquires that they refuse to do anything about they say contact the companies I did the companies say contact them this has been on going back & forth & back & forth again for these XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, they have several duplications of XXXX listed as well and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-07-02
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
there is a debt showing on my credit report for XXXX from a company i have no knowledge of and have no written or call consent for that charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, Texas XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update to my full legal name : XXXX XXXX XXXX Please remove all other names or alias such as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XXXX CC : Driver License CC : Bank Statement Address

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 2021-10-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I've contacted Huntington bank 4 times attempting to close my account. ( They bought XXXX and my account was moved to Huntington ). They will not close my account until I have a XXXX balance. I attempted to send myself a check from their site to XXXX out my account and now they are holding it indefinitely. I can't get my money out. And they will not let me close the account. 
The hold times on the phone have ranged from 40 mins to two hours. Branches are understaffed and lines are out the door. 
I just want out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: Southwest Credit Systems, L.P.
State: IL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I tried to dispute this collection with a valid identity theft report attached and they are still not honoring this situation. This account was opened fraudulently, with proof attached, it needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions 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:
CFPB, per our past attempts to correct Experian 's non sense, non compliance with the FCRA and their willful non compliance to the FDCPA regarding inquiries that we did not approve of nor did we give anyone at XXXX XXXX or anyone else for that matter approval to check my credit report for any reason, and after contacting XXXX   XXXX and they responding with advice to put a credit alert on my reports which I have done, to insure no one checks unauthorized my reports, I've noticed that Experian continues their practice of non compliance to state and federal law. 
This problem needs to be dealt with more harshly because of Experians non compliance with these laws, because as of today XX/XX/ they have done nothing to remove these inquiries that I did not approve of. They haven't shown one shred of evidence that I or anyone in my house approved anyone to look into my credit report, not one shred of evidence, not one signature, not one contract, no nothing and yet they still insist on lying to me and to you concerning this matter. Therefore, we are requesting a strong investigation into the practices of Experian.

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 2020-11-06
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$500.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

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 2018-01-26
Company: Diversified Recovery Bureau LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2018 at XXXX XXXX, my cell phone received a missed call from XXXX. The caller by the name of XXXX left a message on my voice mail stating that he was trying to contact me on behalf of a person known to me, concerning a job recommendation. The caller left a phone number of XXXX extension XXXX and stated his name was XXXX. 

I first called the person known to me and was informed they are employed and were not looking for any job recommendations. 

I then called XXXX the female that answered, stated it was Diversified Recovery and asked if I was calling about the person known to me. I informed the person to remove my phone number from their list of people to call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: MONEY SOURCE, INC., THE
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with The Money Source. My escrow balance went up dramatically. I was told that they made a mistake in figuring my taxes, however, they refuse to adjust my payment to the correct level. I believe they are misapropriating these funds

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 2017-09-13
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$5500.00}, {$3700.00}, {$1800.00}, {$8000.00}, {$5000.00}, {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.

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 2021-10-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX  Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX Date of inquiry : XX/XX/2021 Please correct/update this inaccurate information on my credit report. 
Identity Theft XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo Opened a fraudulent loan under my name and social.I 've attempted to resolve the issue with Wells Fargo several times but have gotten nothing but the run around and a extremely unfair investigation. 

Wells Fargo has failed to properly Idenitfy me and has failed to ask for documents that would prove the validity of my claim. The refuse to look at information that is given and continue to assign the file to the same negligent investigator. 

The have discriminated me and slander my name and affect me and my families ability to gain job or credit due to a bogus fraudulent account that they continue to report. They continue to ignore all material information and facts that I have that would resolve the claim in my favor.

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 2018-01-26
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/XXXX company responded to complaint and said they would have item deleted off credit reports it has yet to be submitted to credit bureaus as I have already called and verified this with the bureaus. 

See attached documentation ... 

The only proof that they have supplied is statements from original creditor which is not Validation of a debt owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account NumberXXXX Account Name : XXXX, Account Number:XXXX Account Name : XXXX, Account NumberXXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap XXXX they also violated my rights under -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 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 U.S.C. 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 response to consumer: Closed with explanation