BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: OK
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 have recently reviewed my credit report and noticed some unauthorized inquiries on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my 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 2022-09-03
Company: EQUIFAX, INC.
State: OK
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 have recently reviewed my credit report and noticed some unauthorized inquiries on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Experian Information Solutions Inc.
State: HI
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:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: OR
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:
Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2022 XXXX XXXX  Date of inquiry XX/XX/2022 XXXX XXXX  Date of inquiry XX/XX/2022 XXXX XXXX  Date of inquiry XX/XX/2022

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 2017-08-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Unknown late payment XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$510.00} Balance Updated - Credit Limit {$2100.00} Past Due Amount - High Balance {$1200.00} Monthly Payment {$26.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
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: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I attempted to fix all errors pertaining to my Consumer Report due to a recent credit denial. I did not provide written consent or instruction to Equifax to furnish anything on my consumer report, pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never provided written consent for Equifax, or any other 3rd party, reporting to Equifax to furnish or report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: DISCOVER BANK
State: MA
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:
Around XX/XX/27 I submitted an application for a secured credit card with Discover card and was approved as long as deposit and required documents were provided. On XXXX, I submitted my bank information for the deposit and submitted docs, rep advised that someone was going to call me at the number on my fraud alert. I told her I no longer had that # and she advised I needed to call XXXX  to update and if it was done today XXXX, it would be approved an no need to reapply. I updated # with XXXX  and called Discover. They only asked for my social and transferred me to another rep that pulled my credit again and denied my application due to recent inquiries. These 2 inquiries were from Discover on XX/XX/27 and XXXX. Neither of the 2 reps ( Ohio ) I spoke to on XXXX @ XXXX verified my identity and pulled my report. I would like the calls to be pulled and file a complaint. I was not advised my report would be pulled a 2nd time, just that I needed to call today to tell them my # was updated by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX, Transunion and XXXX  are erroneously reporting false addresses names and social security numbers on my credit report. I have filed a request with the 3 bureaus and provided them with my drivers license, social security card and proof of residency and requested to have this inaccurate information removed immediately. XXXX, Transunion and XXXX  have failed to remove these items and is in violation of the fair credit reporting act. The information that must be removed is as follows Address Ive never lived at : 1. XXXX XXXX XXXX XXXX XXXX UT XXXX 2. XXXX XXXX   XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 4. XXXX XXXX XXXX XXXX XXXX, UT XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX XXXX XXXX, UT XXXX I request these address and every variation of these addresses be removed from my report. I have never lived at any of these addresses. I DO NOT KNOW OF THESE ADDRESS. 
SSN that are not mine that show on my report 1. XXXX 2. XXXX I request these SSN numbers be removed from my report Phone numbers that have never been mine. 
1. XXXX 2. XXXX 3. XXXX I request these phone numbers be removed. 
Spouse Name : 1. XXXX This person is not my spouse. I request this name be removed from my file. I do not know this person. 
Names : 1. XXXX XXXX is not my name. I request this name be removed from my 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 2022-03-08
Company: EQUIFAX, INC.
State: VA
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: Personal information incorrect

Complaint:
I sent letters and disputed online to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT Wrong AddressXXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX Correct AddressXXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS Loan # XXXX : I approved a loan modification on this loan too pay {$910.00} starting XXXX. However, each month my payment amount has been over {$910.00} but I am still not current. I am told that my monthly payment is now {$1100.00} per month over {$200.00} more than the agreed upon amount. FRAUDS : like these are an ongoing problem for XXXX Borrowers & over the last 10 years I have complained about these crimes to your organization commited by XXXX XXXX XXXX, XXXX & SpecialiZed Loan Servicing. IF, there are any Consumer PayOUT , I $ hould be XXXX $ T in LINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. ATTACHED FRAUDULENT XXXX STATEMENT

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 2022-09-03
Company: EQUIFAX, INC.
State: OK
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 have recently reviewed my credit report and noticed some unauthorized late payments on accounts my student loans have been deferred since COVID19 began and the moratorium doesnt end until XX/XX/2022 on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I don't know if it is a real debt collector of a scammer. If it is a legitimate business, they are harrassing me! They call my phone almost every day, sometimes more than twice a day, and never leave a message. I don't answer calls from numbers I don't know. I have received nothing in writing regarding a debt that is in collections. I don't want to call the company because I have no idea why they are calling me and am afraid they are scammers. I do not handle any financial business on the phone, ever. I googled the phone number and it was listed on an attorney website as a debt collector. I was reporting a phone number as a scam and noticed that although I blocked the XXXX number after several weeks of them calling, my call log shows they have kept calling, I always see the missed calls, over and over, but I have never been contacted by mail. It is completely inappropriate business practice. 

Here is a list of call times and dates : XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm, XXXX pm, and XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm, XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am All of these calls and I have received nothing in writing. If this is a real business, this is incredibly inappropriate behavior. I want these people to stop calling me. I can block them so they can still call and leave a message, but I don't hear my phone ring. I want them to stop calling me period. My address is public information, they have never contacted me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Select portfolios serving wa sa quick to contact me but wanted me to pay XXXX a month for 6 months I might as will quit my job worry about my family getting something small and me living under a bridge so much for them needing to help a XXXX veteran way to go with covid relief

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient deliberately ignored my request to remove co-signer knowing that I am a XXXX XXXX XXXX  XXXX Veteran. They knew that my private loan would go into default therefore there they did not exercise due diligence to investigate this. They requested documents that they did not take into consideration nor did they take my payment history into consideration. My loan is my sole responsibility and based on the fact that I have 100 % payment history for four years, my co-signer should be released. I have been paying a {$20000.00} for four years and the current total is {$32000.00} and when I started my repayment plan my total was {$36000.00} so within four years my loan has only a {$4000.00} dent with a monthly payment of {$300.00}. Navient has ripped off me off and is continuing to harm me financially throughout the repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have paid Ace cash Express a total of {$1900.00} for a loan and now they are telling me that I need to pay another {$830.00}. I have asked for my money back for a month, they said the only way i can get my money back is by paying {$830.00}. I just want my money back, i need it right away. I am not going to pay more to get my money back, it is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MCM XXXX XXXX trying to collect wrong amount from me and my family. 
I owe the credit card company in XXXX was about about {$760.00} dollars. The original credit card bank keep add wrongfull charg, interst and an neccery fee for years which was wrong. That 's why I did stop payment. 
In XXXX midland file a circuit court in XXXX XXXX MD and judgment which I did not know.

Now they are claimed more than {$8000.00} dollars and they forze my family bank account and already took some money after seven years. 
I am XXXX XXXX and I have XXXX daughter and my wife is XXXX. In this busy time my bank froze and took my family money. 
MIDLAND should stop this an acceptable behavior and save my family from this danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A few years ago I had a credit card account with discover, this account was paid off in XXXX and was sitting dormant with a {$0.00} balance. Early XXXX I opened a new credit card account with discover. Then, I received an offer in the mail to upgrade my account to a discover miles account. I figured this was for my current discover card and activated the card. Turns out this was for the dormant account I havent used in years. The reissue was deceptive in nature as its only purpose was for me to use my old account. In no way did I request this reissue and in my opinion a violation of what reg z protects consumers from as this reissue was not necessary. I consider it a reissue since they sent the plastic. The confusion had a negative impact on me as I thought I was paying my credit card balance but I was only paying the ( 1 )  account I thought I had. Now I have a balance on a second account in which Im being charged interest even though I thought I was making payments. The old account did not show on my app and I was set for paperless statements. This account was so old that I created a new log in when I opened the new account, making it impossible to track purchases, balances, and non of my payments were applied to the right purchases so now I have late payments. XXXX used a reissue to a dormant account 24+ for marketing purposes which is both deceptive under UDAAP and a violation of reg z .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXXXXXX regarding two accounts reporting on my credit report as Charge Offs. They are updating the bureaus every month indicating that their is a balance owed. When I contacted them to attempt to resolve this balance and offer a lump sum settlement offer, I was told that these accounts are considered " dead '' and that I would not be able to make a payment over the phone or negotiate any type of settlement offer. 

After clarifying a few things with the representative, it became clear that they are making this an extremely difficult situation. I feel like they are creating a hostile and abusive situation designed to cause distress by reporting a past due balance on my credit record and simultaneously prohibiting me from resolving it. They are adamant they are NOT attempting to collect a debt, but continue to credit report. What a giant paradox. Credit reporting is an attempt to collect a debt, and I feel that they are violating my consumer rights by continuing to report this on my credit. IF this a a " dead '' debt, then remove the balance!

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 2019-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
have a charge on my debit card from Chase Bank i did not make XX/XX/XXXX for XXXX and XXXX, on XX/XX/XXXX received a text about a fraud charge from my bank a failed attempted, talked to them and reported it was not me, at that time I found out they used my card twice the week before, bank replaced the funds and then removed them. talked to the bank on XX/XX/XXXX and they said I have to deal with the vendor which is XXXX and XXXX. Called lowes on XX/XX/XXXX and they said they can not help me. 
,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
i sent a letter 30days ago to the bureaus they have yet to respond. they i are in violation of 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer 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