BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

XXXX XXXX Date Opened XX/XX/16 XXXX {$580.00}

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 2022-12-20
Company: HW Holding, 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:
HUNTER WARFIELD has placed an erroneous collection on my XXXX credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with HUNTER WARFIELD. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX fraudulently reported a debt from XXXX XXXX  XXXX, amount {$650.00}. I contacted XXXX XXXX  today - XXXX - to inquire about this account. They stated that they sent out 1 letter on XXXX. When I informed XXXX that I had not received this letter, they informed me that it went to the wrong address. When I asked why they would then report it to TransUnion on XXXX, the representative claimed that they do not report to the credit bureaus. I told her that I had contacted TransUnion, who informed me that this was reported by XXXX. She still claimed that they do not report to the bureaus ; so I asked her if they didn't report it and TransUnion did not, how did it get on my credit report. Her response was that I should file a police report and immediately disconnected the call.

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 2022-07-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a personal line of credit that is paid off in full and now has a {$0.00} balance. I accidentally made an additional payment ( an overpayment ) which Truist Bank deposited and I want my money refunded. It has been close to 5 weeks now and I can not get them to refund the money which they deposited ( I have a copy of the cleared check with the Truist stamp on the back ) and are still holding. This is my money. I have spoken with at least 5 different people on the phone to no avail and even sent a written letter as requested with all of the information and copies of bank statements and the cleared check and no response. I am working with a banker at a local Truist branch who is trying to help me. She was told they see the check but they wont let her issue me a check for the refund due to some technicality on their end. I have been more than patient but at this point it is clearly theft. They deposited my check and are holding my money but refuse to return it to me. I need help please.

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 2022-09-26
Company: MARINER FINANCE, LLC
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:
I am victim of identity theft and someone used my personal information to open this fraudulent account in my name without my consent. I did not benefit from any goods or services of this fraudulent account. I am requesting for Mariner Finance to delete and remove this fraudulent account to remove and delete this fraudulent account from all three major credit reporting agencies. I have attached a copy of my police report to this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Early Warning Services, LLC
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
{$200.00} and {$300.00} were sent on XX/XX/XXXX. Scammer said they wanted to buy a product I had listed, said I needed to have a business application, then that there was an overpayment. During all this I was receiving edited emails from Zelle that the scammer had edited but failed to edit the amounts and my name. Kept trying to get me to send more money saying once they received it then Zelle would deposit all the money I had sent along with the price of the item. Opened a police case, case with the bank and contacted Zelle. Zelle basically said they couldnt do anything about it b/c they were authorized yet the scammer has since deleted their Zelle account XXXX I was notified by my bank of the decision and that they would be reversing back out the XXXX amounts from my account. I have also opened a case with the general attorney office. Zelle has also said that the restriction on my account cant be lifted even though they placed the restriction on my account. Zelle knew exactly what scam I was talking about, but their policy is that they arent responsible for anything basically. I dont know how any banks can be promoting Zelle and they dont have your back on anything and nothing to prevent fraud or scam from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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:
My complaint with Transunion is that XX/XX/XXXX. Transunion added to my credit report, XXXX Account # XXXX. I disputed this in XXXX of XXXX in which Transunion removed this account. Proof of deletion is attached. During a review of my credit report I noticed in XXXX. Transunion reinserted this account in which I disputed again and was told it was verified. I know this can't be so If it was investigated the first time and removed. This is in a violation with the Fair Credit Reporting Act Laws. 15USC 1681a [ 1 ] Reinvestigation required [ A ], & 15USC 1681s-2 [ 9 ] Duty to provide notice of status as medical information furnisher. & 15USC 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] i, ii. [ B ] I, ii, iii. [ 1-3 ] [ C ]. & 15 USC 1681s-2 [ 8 ] Ability of consumer to dispute information directly with furnisher [ E ] [ 1-4 ]. 
Along with that issue, I have submitted numerous letters and made phone call in attempt to removed inaccurate inquires off my credit report that are not accurate. These are also in violation of my 15USC 1681 section 602A & 604A. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In addition please send me the names. business address and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly.

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 2022-09-26
Company: U.S. BANCORP
State: TX
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:
US Bank XXXX - acct # XXXX Opened XXXX -- -- reporting time has expired XXXX XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired US Bank - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX - acct # XXXX Opened XXXX -- have never been late XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired, this is not my account, i do not have any children and they have failed to validate this account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.

US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.

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 2022-09-26
Company: Data Mortgage Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted Essex mortgage regarding this issue three times now and have yet to hear back. I was told once we filled out the loss mitigation package which we did on XX/XX/22 that the past due mortgage payment would not be reported to a credit agency or affect my credit. However, it has. This needs fixed immediately. I am still waiting on an update with the loss mitigation package. I am UNHAPPY. We have had nothing but issues with this company. I explicitly asked if my credit was going to be affected and I was told no not if I had the package sent back in by XX/XX/22 and I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: OneMain Finance Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Two attempts to reach out to ONE MAIN FINANCIAL to remove from my credit report and cease and desist on XX/XX/2022 and XX/XX/2022, both times failed to resolve. Requested ONE MAIN FINANCIAL to provide a binding contract of two signatures per law and if unable to immediately remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$55.00} US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
OnXXXX I found out my XXXX banks have been hacked and XXXX money to people I dont know and XXXX people and buy XXXX I immediately called All my banks, chat with agent in XXXX and XXXX to let them know the fraud and unauthorized transactions. Citibanks is the first bank I call and agent gave me a case number XXXX suggested to froze my checking account until I request to turn back On. I called twice to request static of my case because today is XX/XX/XXXX I call Citibank agent told me my case number is not finish or complete due to cut off and thats a lie so I start to yell at them and transfer me to dispute department n spoke to XXXX and she told me that my case is close on XX/XX/XXXX and I will receive a letter by XXXX that I lost the case for XXXX transactions money XXXX for {$42.00} and {$2400.00}. At XXXX the scammer even add his own deposit account and routing number in too

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 2022-07-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this 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 21 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 year old 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 2022-07-04
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: Account status incorrect

Complaint:
I am being reported as delinquent on my community account XXXX due to no payment. As is well known by now, XXXX XXXX has been down for weeks and no access to accounts and no payments can be made, not online, not by phone and not by customer service. As of today, payments and account access are still not available to be made or accessed. Thousands have documented this on XXXX and XXXX. XXXX had originally claimed only 2 days were affected, but many, like myself have not had access going on 3 weeks. I have never missed a payment and now this has a negative remark on my credit reports and my score has gone down significantly.

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 2022-09-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: LA
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:
Credit Reporting Agency-Equifax has been notified several times that credit limit for XXXX is incorrect. Should be {$3500.00} as reported by credit card company however, recent disputed results still lists {$3000.00} as the credit limit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: PENTAGON FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I have hard credit inquiries that I reported to the credit bureau XXXX phone number XXXX I told them it was fraud and they can not remove it unless I have a report the the inquiries that are fraudulent and this report is XXXX XXXX XX/XX/XXXX the next one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX the inquiry happen on XXXX again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX The inquiry was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX, FL XXXX and the date is XX/XX/XXXX The next report is XXXX The inquiry is XXXX XXXX XXXX and it was its XXXX XXXX XXXX, XXXX, TX XXXX their phone number is XXXX and this inquiry happen on XX/XX/XXXX The next inquiry is XXXX the address XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX and the phone number is XXXX and this inquiry was on XX/XX/XXXX The next inquiry is Pentagon Federal credit Union address XXXX XXXX XXXX XXXX XXXX VA XXXX telephone number XXXX the inquiry was XX/XX/XXXX The next inquiry is XXXX Call the address is XXXX XXXX XXXX, XXXX DE XXXX the phone number XXXX XXXX and the inquiry was XX/XX/XXXX The nest inquiry is XXXX XXXX XXXX XXXX XXXX probably means Florida address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX phone number available inquiry XX/XX/XXXX Next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX no phone number available inquiry happen on XX/XX/XXXX And XXXX XXXX credit report the following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX phone number XXXX the inquiry happened on XXXX/XXXX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX phone number XXXX the inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX phone number XXXX Inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX phone number XXXX inquiry have XX/XX/XXXX The last inquiry is XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX phone number XXXX and this happened on XXXX XXXX If you have any questions my name is XXXX XXXX and my phone number is XXXX My email address is XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please send me a copy of the 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have contacted XXXX  on numerous occasions regarding this bankruptcy on my report. I called again today and was told the only way to have it removed is to have a letter from the bankruptcy court. I told the rep papers were sent in XX/XX/2021. He claims he didn't see the letter Which I know is completely false because it was delivered by certified mail. I was told to upload the document via www.transunion.com, however when I tried I received a message saying my identity couldn't be verified. At this point as a consumer my rights have been severely infringed on.According to the FCRA I can sue them for {$1000.00} per occurrence which I plan to do because they are purposely refusing to investigate this bankruptcy along with 7 other erroneous items. I am uploading the document to CFPB.

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