BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
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 have repeatedly asked for 5 years for the permissible permission from me that allowed Experian to give my private information to XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2017. Experian continues to decline while suggesting I am asking about an inquiry which I know doesnt exist on my credit report. It doesn't exist because it was more than 5 years ago and the permission doesnt exist because I never gave permission. This unlawful inquiry led to a fraudulent loan.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account 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 an 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: SC
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 have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

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 2022-02-27
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
According to Title 15 section 1605 ( Determination of finance charge ) In my loan contract my finance charge was {$7600.00}. Per Title 15 section 1605. This is all that I shouldve been charged. Yet I was required to pay a down payment plus another {$21000.00}. This is a clear violation of Title 15 section 1605.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2022-07-08
Company: EQUIFAX, INC.
State: VA
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 U S Dept of EDXXXX Account 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 2020-04-21
Company: TekCollect Inc.
State: IL
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:
XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I sent XXXX payment from my citizens bank to my TIAA account {$1000.00} I have proof it was received into account- citizens bank gave me details it was received : Trace number XXXX Confirmation number : XXXX When I called tiaa they said they dont have it but you do so please investigate and send me check of money ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Clarity Services
State: AL
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:
On XX/XX/2018 a hard and soft pull was done on my XXXX  credit report by Clarity Services for XXXX XXXX. I did not solicit their services or the services of XXXX XXXX at this time and need to have this inquiry removed from my record

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Pursuant to FCRA Section 605B I have made strong efforts throughout the year of 2017 to notify Equifax and XXXX of my identity theft and the accounts that are fraudulent. I have requested that these accounts be removed pursuant FCRA section 605B. I sent a copy of my identity theft report via certified mail and it is being handled as a traditional dispute letter as reflected on my credit reports. I have also disputed items via their websites and dispute letters and have not received communication honoring the law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Consumer Reporting act XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2021-08-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to get ahold to the 3 bureaus about my consumer file concerning some things being furnished on my consumer reports however, I have not been able to get assistance regarding my files and need assistance. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to get ahold to the 3 bureaus about my consumer file concerning some things being furnished on my consumer reports however, I have not been able to get assistance regarding my files and need assistance. thanks

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 2015-12-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
Chase Bank is in violation of the Consumer Financial Protection Bureau 's Consent Order XXXX. As required in paragraph XXXX & XXXX of this order, Chase Bank should have provided me with an effective credit agreement and at minimum copies of the last XXXX ( XXXX ) monthly Account statements. I have never received an effective credit agreement nor the last XXXX monthly Account statements. 
On or about XX/XX/2015, at approximately XXXX XXXX CST, I contacted Chase Bank via telephone in order to request information in regards to these accounts. I spoke with XXXX XXXX with ID # XXXX and requested that information regarding these alleged accounts be sent to me. XXXX XXXX stated that Chase Bank did not have information regarding these alleged accounts. This is a violation of this Consent Order because paragraph XXXX requires that Chase Bank provide a consumer with an effective credit agreement and the last 18 months of monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: CITIBANK, N.A.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Been receiving phone calls everyday on two lines since XX/XX/2021. Have only been receiving mailings which is acceptable but calling everyday sometimes twice a day if not more is harassment

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 2022-02-27
Company: EQUIFAX, INC.
State: SC
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 on multiple occasions gone through the process off trying without remedy, to get the accounts and inquiries causing me hardship, infringing on my right as a consumer too privacy and causing me to lose confidence in the banking system. The same confidence that is essential to the banking systems productivity in commerce ; removed. Pursuant to 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) ( iii ) - my consumer report shouldnt contain information solely as to the transaction between me and person makin the report. nor was i given the oppourtunity to direct that this information not be reported... Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) -a consumer reporting agency may furnish a consumer report in accordance with the EXPRESS written instruction of the consumer. I, the consumer never gave EQUIFAX my EXPRESS written permission or consent to furnish anything on my consumer report, ... no consent constitues fraud ... Pursuant to 18 U.S.C. 1028a - knowingly transfers, posesses, or uses without lawful authority, a means of identification of another person .... constitues aggravated identity theft prior cfpb complaint was closed stating more information needed as to account numbers etc .. you have just received correspondance with such. 

ATTACHED IS PROOF OF DELIVERY AS FOLLOWS : Certified Mail receipt number : XXXX XXXX XXXX XXXX XXXX Return Receipt number : XXXX XXXX XXXX XXXX XXXX XXXX signed for and recieved on XX/XX/22 XXXX am FTC identity theft report reference number XXXX PRIOR CFPB COMPLAINT ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We just started construction to rebuild our home from a tornado. The mortgage company is holding all our money paid to us by the insurance company. We have an invoice for {$46000.00} that we paid to the concrete company. The framing is almost done and we need to pay that bill along with windows and drywall. The mortgage company is taking so long to reimburse us that we ca n't move forward. We ca n't keep contractors if we ca n't pay them in a timely manor. We can not wait 10 to 15 days to get this bill paid because the contractors will move on to another job. This is the time in construction where the money is going out faster and I am not getting cooperation from the people who have my insurance money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX an inquiry from XXXX XXXX appeared on my report. I did not authorize this inquiry. I reached out to XXXX XXXX and they advised an application was submitted over the phone. I requested the application be cancelled. I requested XXXX Transunion and XXXX  remove the hard inquiry.

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 2022-02-27
Company: Alliant Capital Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX also known as XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX New York XXXX Is reporting inaccurate information to the credit bureaus. I am a victim of identity theft and fraudulent accounts. I submitted police reports and they refuse to honor them. I have had fraudulent accounts on my report by other creditors that have been removed by me providing requested documents. But this company wants to be the judge and jury and wants me to pay for something that is not mine. Identify theft is not my fault and they are making it out to be my fault. I cant help accounts were fraudulently made. They are causing me great distress.They have spoken to me rudely and they have over talked and spoken loudly to drown me out on telephone conversations. This is unlawful and should be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: NCC Business Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
O n    XXXX   XXXX    ,2017   I  sent  NCC Business Services a  pay for delete letter and a {$50.00} check to have the record removed f rom all    XXXX   credit reports upon cashing the check. NCC is attempting to collect a debt that was previously handled.

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 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  and TransUnion credit services are reporting different account histories. TransUnion is reporting from XX/XX/XXXX to current, while XXXX is reporting back to XX/XX/XXXX with alot of undetermined payments statuses. XXXX  is also reporting more than 150 day late from XX/XX/XXXX to XX/XX/XXXX, while TransUnion is less days late. XXXX said XXXX must send them corrections. I shouldn't have 7 years on my record and they records should match. This is negatively affecting my credit score and impacting my daily life/livelihood.

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 2019-03-11
Company: The CBE Group, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello, my name is XXXX, just recieved a mail from CBE group , Inc. Today, never heard them before, or have any phone contact with them. They sent me a bill for XXXX, debt description for fine, public intoxication, it was in XXXX  probably from XXXX. I been living in XXXX since XXXX. First thing i did was call the company, explained to them i haven't lived there for years, and its pass the statute of limitations, they said, yes itnis, but we can still collect, i informed them thats against rules and regulations, and that I will file a complaint, so here inam contacting you about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I sent a check for {$9000.00} towards my principal ( after deducting {$800.00} for my monthly payment ). This payment was processed on XX/XX/XXXX but they are now claimingXX/XX/XXXX that the payment did not clear, which my bank disputes. By continuing to delay this payment, my account is being reported as late and this is not the case. 

I have called on this repeatedly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 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. I feel like I'm being taken advantage of and being ignored of my disputes.

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