BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 604 A section 2 states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instruction. 

The account opened XX/XX/2020 Amount {$2500.00} During the time at the XXXX at XXXX Apartments I recently moved in with my mom, I was still in High School with no job. I was told I was signing a list of people in the home come to find out I was tricked into co-signing a lease. I didn't pay not one bill but my name is on the lease I've been trying to get this disputed for over 2 years now. It says its a joint account and been trying to move it to my moms since it was hers. I have called to get the documents showing a signed anything but the XXXX XXXX XXXX  gave me the run around.

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 2020-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-multiple debt verification inquiries were sent to the opposing party, asking for signed documents that validate debt. I never received any validating documents. The most recent inquiry sent on XX/XX/20 -current account is reporting inaccurately on all three of my credit reports, dispite the known and highlighted inaccuracies that were provided as proof in the form of all three major credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Caliber Home Loans, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After I faxed in a " XXXX, '' and an " AFFIDAVIT OF SURVIVORSHIP with XXXX XXXX XXXX 's DEATH CERTIFICATE '' added as an EXHIBIT " A '', my true and lawful Attorney-in-Fact, FULFILLING THE LAW CENTER has been in contact with CALIBER HOME LOANS, INC., from Friday, XXXX XXXX, 2016 to Friday, XXXX XXXX, 2016 that I nor anyone else is responsible nor am I the surety for a debt that only XXXX XXXX XXXX signed and made a promise to pay.

Company response to consumer: Closed
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 REPORTER CXXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2. I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT 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 non-monetary relief
Consumer complaint received 2022-05-18
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 604 A section 2 states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instruction. 

The account opened XX/XX/2020 Amount {$2500.00} During the time at the XXXX at XXXXXXXX XXXX I recently moved in with my mom, I was still in High School with no job. I was told I was signing a list of people in the home come to find out I was tricked into co-signing a lease. I didn't pay not one bill but my name is on the lease I've been trying to get this disputed for over 2 years now. It says its a joint account and been trying to move it to my moms since it was hers. I have called to get the documents showing a signed anything but the XXXX XXXX XXXX  gave me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: LA
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 REPORTER XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2. I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I received notice from a debt collecting law firm on XXXX XXXX stating that a law suite was being filed against me for a debt I owed to a creditor by the name of XXXX XXXX in the amount of {$8100.00}. After receiving this letter I pulled my credit report only to find that this bank reported this debt and charged it off as bad debt. After putting together a dispute letter to this law firm requesting validation of the debt, I was served with a summons and complaint on a debt that I know nothing of nor did I ever sign for any debt with XXXX XXXX. I will be answering my summons and complaint immediately because they did not submit competent evidence bearing my signature that I ever had any contractual obligation to pay this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-18
Company: EQUIFAX, INC.
State: LA
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 # XXXX XXXX XXXX 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 2022-05-18
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello - I am filing complaint against American Express for not issuing check on time for the positive amount on my account. I filed the request on XX/XX/17. When contact, they just keep creating new cases with 7 day response time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a letter from XXXX stating that my account was paid as agreed. But experian credit reporting agency is saying that the account was paid for a lesser amount that was owed. Even though the letter is saying other wise. I disputed this two times with them but they are still reporting paid for a lesser amount.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, Today, I was informed by XXXX that XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX was abused by a person through dark web. 

Dark Web Alert Compromised XXXX XXXX XXXX Date found on dark web XX/XX/2022 Additional info found with this breach Identity Information Drivers License Number : XXXX Drivers License Issue State : ca First Name : XXXX Last Name : XXXX Phone Number : ( XXXX ) XXXX Contact Information Address : XXXX  XXXX I do not know this person and I have been in U.S.A. since last XXXX and they stole our information in XXXX. 

I do not know who they are and I have no business connections with them. 

In this respect, I do not know how they received my company 's information and how such theft was fixed through digital world. 

I am 100 % shareholder of XXXX XXXX XXXX XXXX, XXXX and our XXXX number ends up with XXXX. 

XXXX is our XXXX and I was terrified when I was informed by XXXX regarding this theft and misuse of our company information. 

In this respect, I am afraid of the fact that someone would want to apply for credit/loan or credit cards through using our information. 

In this regard, I kindly ask you to do the needful and take action against such abusers that would like to misuse our company information. 

I kindly ask you to do the needful to protect my trade, banking facility and investment. 

Such bad reputation and unwanted occasions would influence our business reputation. 

Your kind proceedings would be highly appreciated. 

Kind regards, 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 2022-05-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a HSBC USA bank account on XX/XX/XXXX, then when I tried to make a transfer after few day, HSBC called me to verify all the information. After that, HSBC tell me they decided to close my checking account, that is really bad, I am the HSBC customer for over than 6yrs in other city, my family banking with HSBC over than 30 yrs.

After they decided to close my account, they said someone will contact me shortly, but i never receive any notice from HSBC.

After 20 day they decided to close my account, they still not close my account, but not allow me to access my account and fund.

I contacted HSBC so many time, they said we don't have the exactly time when your account will be close, and your remaining balance will be return to you after your account has been closed? What is that? They don't know when will be close????? The money will not release to you until your account has been closed???? So the bank can freeze their customer money whatever how long they want? How stupid is that????? 

HSBC XXXX really means XXXX? 

PLEASE HAVE A VERY CAREFUL CONSIDERATION BEFORE YOU DECIDED TO BANKING WITH HSBC, SO MANY INTERNATIONAL BANK IS BETTER THEN THAT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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: Reporting company used your report improperly

Complaint:
I am submitting this complaint on my owner behalf to address issues sighted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Specialized Loan Servicing Holdings LLC
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We made payments to the original lender, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until it sold to XXXX XXXX XXXX XXXX XXXX and finally to Specialized Loan Servicing LLC XXXX XX/XX/XXXX. XXXX still holds XXXX Deed of trust on our house. Our first payment to Specialized Loan Servicing ( SLS ) was XX/XX/XXXX. No payments were missed. I called SLS XX/XX/XXXX to confirm payoff and maturity date as we were close to paying off. They gave me an amount of {$8600.00}. According to information I have it should have been around {$2500.00}. ( There have been some paymts deferred but not $ XXXX ). I have send them proof of payments from the bank from XX/XX/XXXX to XX/XX/XXXX. I have also emailed the prior lender who has advised me they have send all information including payment history to the new lender. SLS will not concede that all payments have been made. They tell me that I've made late payments and interest has incurred. They have told me I couldn't have paid that amount off in 15 years. None of this makes sense. I have been in conversation with a local banker and he has looked at my paperwork. It's a simple interest loan and there is no way I still owe them according to last matured loan full payment due notice showing {$7200.00}. I just want them to prove to me what they are saying and I don't believe they can because anyone would have foreclosed had we been that far behind on a loan. I have several documents to prove this point. You can even find complaints on a website : 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 2022-05-18
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I consumer XXXX did not enter into an agreement with Americollect have submitted a dispute several times with this company via the data mining company XXXX on date XX/XX/2022, I was told via XXXX that " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' However, the investigation does not meet the requirement, there was no proof submitted to me to verify what XXXX did to investigate this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Credit card
Issue: Balance transfer fee

Complaint:
I called my bank -Union Bank XXXX ask if they do 0 % Fees and charges for 12 months on balance transfers to my new credit card and they said yes. XXXX if they had said no I would not have gotten the card nor initiated the balance transfer in the first place. ) Because they said there would be no charges I initiated a balance transfer from my XXXX visa card in the amount of {$45000.00}. The transfer completed XXXX weeks later and I discovered a 5 % balance transfer fee in the amount of {$2200.00}. They never notified me that I would be charged this nor any amount. I 'd like the balance transfer fee removed as I would not have initiated it in the first place had I been notified about it. I went through my statements and found no information on any balance transfer fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Someone stole my information and used my bank cards which caused my account to be overdrawn. I had BBT Account. Tried to have them investigate it.

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 2015-09-30
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I applied for a line of credit with XXXX XXXX, and this company posted an open collection. 

I NEVER received any notice of any debts, ever. At ANY address I 've ever used. 

This was also NOT my debt. 

They claim it to be from XX/XX/XXXX, but I have never incurred any debt, anywhere. So I researched this company with HORRIFYING results. They 've been harassing, falsely opening accounts, and using illegal tactics to get money since well before XX/XX/XXXX. And they 're still somehow allowed to continue operations with their multitude of consumer and legal issues being well known for years now. 

After finding them through XXXX, the real struggle began. Their Cudtomer Service is ALWAYS down and the voicemail for XXXX is ALWAYS full. Leaving no way to contact them. I had called them over and over to no avail. I had to dial in random extensions until a human finally answered. When I FINALLY got a human on the phone, I was told that I had to send ONLY them a written complaint by mail. 

THERE WAS NEVER ANY MENTION OR NOTICE SENT ANYWHERE OF A RIGHT TO DISPUTE, NOT ENOUGH INFORMATION ( EXACT DATE WAS NOT FURNISHED ), AND I 'M POSITIVE THIS IS NOT MY DEBT. 

I am certain that complaint would fall upon deaf ears and blind eyes. I prefer to report them to an agency that will actually investigate them and their decidedly unscrupulous business tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: D2 Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i recieved a call XXXX trying to collect from an XXXX account. d2 management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XXXX/XXXX/16 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against d2 management and she stated that she will be putting me on a do not call list!!!!

Company response to consumer: Closed