BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-25
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I opened a secured loan with onemain financial and its been nothing but a nightmare interest rates is unbearable and its ruining my credit I called and asked for a reduction they placed a charge off against my credit and its cause my score to suffer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and XXXX, also XXXX, I have not been successful, this company is tek collect inc, XXXX XXXX XXXX, XXXX XXXX tel -XXXX, this debt is reported to my XXXX, XXXX report . I have tried numerous times to get this deleted, I have not been successful. I call they keep me on hold, do not come back to speak to me, one person was very rude. I just did not call anymore. someone have a similar name, and they just pinned the debt on my credit file. Also I have a debt company by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, tel # XXXX that is still showing on my XXXX  file, I had it deleted on my XXXX  report, I requested numerous times to get it deleted on my XXXX , I even send them a copy of XXXX showing deleted, no luck yet. Please I need this resolved. I turn to you, because you do get things done right away. You have help me get a lot of debts that show that was not mine. Thank you again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2021 I viewed my consumer credit report and noticed some errors. On XXXX XXXX I didn't open an account with XXXX XXXX using my consumer credit card number. It was open and sent to an address I never lived at. I've also filed an FTC identity theft report against XXXX XXXX and XXXX. I am aware pursuant to 15 USC 1681c-2 ( a ), if the consumer provides a consumer reporting agency, such as, XXXX, EQUIFAX, and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by the consumer stating the information in connection with XXXX XXXX, XXXX  XXXX, XXXX, XXXX AND XXXX is not relating to any transaction by myself, is required to XXXX, EQUIFAX, AND XXXX place a block on my consumer report on the information associated with opened fraud account XXXX  XXXX and XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: CA
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:
I XXXX XXXX am tried of reaching out to XXXX, XXXX, and Equifax and waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I am ready to file a complaint with the FTC and XXXX  because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST XXXX NOW XXXX AND TRANSUNION ALL BC OF XXXX. PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY 18TH TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID XXXX HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM XXXX XXXX AND TRANSUNION AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. GEEEEEEEEEEEEEEEEEEEEEEEEESHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act 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 states 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 2022-05-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XX/XX/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 2020-02-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written to XXXX three times requesting proof that that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: AES/PHEAA
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The Fedloan Servicing, US Department of Education Federal Student Loan Agency stop to send me letters after I was on bankruptcy. Then on XXXX they send me a letter but I dont have how to pay the loan and I wait, but Huracane Maria pass through XXXX XXXX and I move to XXXX, then to XXXX  and I lost communication with the Agency. My complain is that the Agency fail to contact me again when I return to XXXX XXXX and also fail to communicate that they pass the debt to a privacy company that I dont know the name. My address fromXXXX XXXX still the same and my telephone number is the same, so why they fail to contact me to make a deal and pass my case to a Private Agency that retain illegally my Federal Refund with out previous notice. The law said that they have to contact me to inform that they are going to retain my refund. The law said that the private company have to contact me to let me know that they have my case. That I have a debt with the Fed Loan Company, and they have the intention to collect the money to apply to the Federal debt payment. They never do that, all they do is not under the law. So I want my refund back and I want my case with Fedloan again. Thats my complain. 

My name is XXXX XXXX XXXX Fedloan Account : XXXX My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account has already been disputed with my bank and with the XXXX  XXXX XXXX XXXX of the state of Florida, a favorable final result for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Mercedes Benz Financial Services
State: SC
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:
Your company have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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 is missing that should be on the report

Complaint:
No matter how many times I attempt to correct incorrect information and add person comments they Do not allow and persist on taking the word of the creditor although inaccurate and damaging to our credit. Recent attempts once again failed and rejected. You do NOTHING ... A poor EXCUSE FOR PROFESSOONALS And CONSUMER PROTECTION. You EVIDENTLY never read the complaints just send them out... fact and if you read them how stupid are you? DOES YOUR OFF SHORE STAFF COMPREND ENGLISH? Your software to place the social security number rejects it AS PER HUNDREDS OF PRIOR COMPLAINTS NOTED!!!! .YOU SHOULD BE CALLED THE BFPB BUSINESS FINANCIAL PROTECTION BUREAU ! HERE IS LATEST INCORRECT REPORTYour Report Number is : XXXX Your Investigation ID is : 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 2022-08-05
Company: Experian Information Solutions Inc.
State: DE
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 Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : 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 states a consumer reporting agency can not furnish an 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 2021-11-12
Company: TRUIST FINANCIAL CORPORATION
State: TN
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:
I submitted a dispute in regards to two Address in NY on my XXXX Credit file. XXXX came back and said it remains and updated and that suntrust reported these addresses that is not mine.I Called Suntrust and they verified that they did not report this to XXXX of which this address on.I want this deleted because I have never lived in XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX it is listed on my report twice

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 2020-02-29
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
Westlake says I made a late payment my account is frozen I cant log in to make my payment and my car was stolen. They dont listen, Im sick I have XXXX XXXX and I was scammed they sold me a lemon car theyre messing with my credit all my payments are on time they got all their money already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: PlusFour, Inc
State: NV
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:
I had a car accident  on XX/XX/XXXX, needed XXXX XXXX  done, got an attorney, XXXX XXXX was paid and my case was closed. On XX/XX/XXXX - six years later, I received a bill from Plus Four , Inc. saying I owe {$310.00} to XXXX XXXX. My attorney  paid XXXX XXXX {$1600.00}. I called Plus Four Collection agency and asked them to note my account. In XX/XX/XXXX, I received a credit card statement showing my credit score dropped 130 points. When pulling my XXXX  credit report, it shows Plus Four Inc. entered a {$310.00} collection on my account for XXXX XXXX in XX/XX/XXXX. Seven years later ... .with no notice to me. I have not received any written correspondence or phone calls. This debt was paid and should NOT be on my credit report.

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 2022-10-28
Company: Bread Financial Holdings, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past three years I've been threatened with court from litigation companies for a debt that was paid. 
The first time I paid I was young and didn't save a copy that it was paid in full. 
Last year was contacted, paid AGAIN because I couldn't find the letter I needed. I did save this paid in full letter. 
This year was contacted again! This time I forwarded the pay in full letter to the litigation company. 

This is paid IN FULL and I was never contacted regarding the debt! For the 2nd time. I WANT MY ACCOUNT CLOSED AND TO NOT BE HARRASSED EVERY YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Federal Trade Commission
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
They had it as I was staying their on campus and I never did. I lived in XXXX XXXX until XXXX and then moved to XXXX in XXXX also, Im just not understanding how it cost the same amount of money to go online with XXXX XXXX then it does at XXXX and I have housing and daycare and take more classes then I did at post I was never full time at post I was only taking one or two classes and even before I transferred it was only 1 class I know for sure. Please contact me I have more to add to This mainly questions but could be more XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-02-29
Company: Ascendium Education Group
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I went to XXXX College of XXXX XXXX however i didnt finish school out due to the fact i had my son. However the school closed down shortly after me dropping out. I reapplied at another college only to find out non of my units/credits are transferable to any other XXXX  college so i have to retake all the classes I owe my student loans on. which is over {$32000.00}. My principal is {$23000.00}. My accured interest is {$6000.00}. Collection fees are {$2800.00}. I dont know what my options are and Im really needing help in where i can go. The company is Ascendium/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX  XXXX XXXX, CitiBank and XXXX opened accounts in my name without my permission for someone other than myself and are charging me and now I can not open a new account for myself because of this. I have reached out to all of these banks and they refuse to remove it from my consumer report file. I have forwarded them copies of police reports FTC reports and all other requested documents and yet they still refuse

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 2022-10-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CITIBANK, N.A.
State: NY
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:
Recently, I had 2 Citi credit card accounts closed instantly ( both accounts were in excellent standing ) because of a credit report. An item was posted on my report based on an on-going dispute with another bank. Citi decided based on just XXXX, not all credit reports, to close all my Citi accounts. I have had credit cards with Citi for more than 10 years. Does anyone know if this breaks Fair Credit Reporting Act laws or privacy laws? 

I was not opening another account at Citi and none of the data on the credit report was offered to the bank. 

The circumstances are that I have a dispute with another bank that has been ongoing for a year. Citi then decided to take the charge off record on my credit report that was the other bank 's response to our ongoing dispute and apply that to my banking accounts with Citi. 

This shows that even if a dispute is ongoing and the one bank has nothing to do with the other they will take ONE CREDIT REPORT ( XXXX ) and based their decision about my active accounts at another bank on that. NOT my banking behavior with Citi. My banking actions with Citi are nearly spotless and have been for 10+ years. 

This seems to violate the The Fair Credit Reporting Act ( FCRA ) and may be the jurisdiction of Bureau of Consumer Protection.

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