BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was not ever contacted or notified in any way by this debt collections company. 
I all of the sudden saw a huge drop to my credit score, which I work very hard to upkeep. 

I have no letters or voicemails of information on this debt in collections except the little information I found on XXXX XXXX. 

No one will answer the phone at their company and there is no way for me to access their online assistance without a reference number which I obviously do not have since IVE NEVER BEEN CONTACTED BY THEM.

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 2022-04-25
Company: EQUIFAX, 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 found an account on my credit that I didn't open, so I made a police report and sent it to the company AND to the 3 major bureaus, whom by law have only 4 days to remove it. 30-days later, it's still on my credit report and I've received ZERO response from anyone involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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: Problem with personal statement of dispute

Complaint:
I have asked XXXX  to verify that credit acceptance was my debt. XXXX keep saying this account was verified but never sent any verification to my address. Credit acceptance couldnt verify this debt with XXXX and XXXX so the account was deleted. XXXX is not verifying nothing with original signed documents nor are they even probably investigating these debts. XXXX is horrible. XXXX have all my accounts in a negative stand but on the other toe bureaus they are all in good standing. XXXX is carousing harm to my credit report by falsely keeping these accounts that they can not verify on my credit report. Then they are still reporting it on my credit after it was closed for years

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 2022-09-21
Company: EQUIFAX, INC.
State: DC
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account : XXXX XXXX account number : XXXX account XXXX XXXX XXXX XXXX XXXX : account number : XXXX XXXX XXXX XXXX 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. 

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 then seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry XXXX XXXX XXXX has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry XXXX XXXX XXXX has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry XXXX, has violated my rights. 

*15 U.S.C 1681 section 602 A. States I have the right to privacy.

*15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
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:
XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX They ran hard inquiries on my credit. I do not know who this company is. I have also been calling them and unable to reach anyone at their company. I believe it is a fake company and would like the inquiries investigated and 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 non-monetary relief
Consumer complaint received 2022-04-25
Company: Self Financial Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have been the source of an almost constant barrage of marketing, payment reminder and other emails from XXXX XXXX XXXX. I do not own a self card, although they keep reminding me that my payment is due. 

Repeated tickets to their service center with no results and at least fifteen unsubscribe attempts have gone ignored.

I just want them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 received an copy of my credit report on XX/XX/2022 in which I noticed negative items that I have been requesting be verified for over 4 months. I have no knowledge of these accounts nor have I received any documentation bearing my signature in relation to them. I have sent multiple disputes to the credit bureaus as well as a FTC compliant in regards to these accounts not being mines. No investigation has taken place and I still see these accounts reporting on my credit report. 
XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX These items are reporting inaccurately as well as showing different amounts.

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 2022-06-07
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I started XX/XX/2022 to open an account with Navy Federal Credit Union. While opening the account my internet hiccupped and reset the online account process. In doing this the system created 2 different accounts at once under my name using my social security number and one that was 1 number different. Since this happened both accounts were marked as fraud. I was told when I found this out that to verify and properly set up my account I needed to submit a copy of my license and proof of residence. It has now been a month and a week later being XX/XX/2022 and I was just informed that the previous for weeks of calling and going into branch offices to get my documents verified were for nothing as I was apparently also supposed to turn in a Security Appeal for that was notated on the account from the start but that not one single member till today noticed and notified me about. In this like I shall continue forward to try and solve my problem but this has me severely worried about the safety of my funds being handle should I have a real problem by such incompetency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: Credit Karma, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX to XXXX I saw a lot of preapprovals on Credit Karma. At first I paid no attenion but I continued to get notices. I would recieve offers Daily when I would log in and check my credit score. I started feeling I was in the best place to apply. I told my kids and family that we had relieved these preapprovals and we would get out of dept and the personal loans would be helping my business move forward. Sometime in XXXX I applied for two personal loans and 2 credit cards. I recieved tons of letters in the mail. I was told by Credit Karma that I was preappoved for these loans. I was marketed for months on these loans. I was decieved by the Credit Karma. I had no job and the bills were billing up. I developped some severe Anxiety from this. I have developed a really high stress and increase in XXXX XXXXI still have companies offering me preapprovals but after I was decieved by Credit Karma I get XXXX over these incoming emails. I thought they were good for people and helping them out. Now I feel every bank and others are trying to get a finacial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was settled and paid off. The company didnt report to the credit reporting agencies as agreed upon in the settlement agreement. XXXX 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 2023-08-15
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 

1 XXXX XXXX  Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We received a letter that someone applied for a mortgage on our home. IT Is NOT US. 
What do do we do now to protect ourselves against this fraud. We have NO Mortgage or liens against the property.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Trans Union refuses to delete a cancelled debt after I had sent in several times to their company the letter from IRS that states the account has been cancelled. The beginning of the month I sent all documents and called on XX/XX/XXXX to dispute the status of an old account. This account has been in dispute more times then I can count. The company sent a contract from XX/XX/XXXX to the credit bureau and they refuse to accept the document I provided from the IRS or re investigate. I Have called everyday this week and they refuse to give a name and keep telling me there is nothing they can do call the company. and I have been on the phone since XXXX XXXX  today and they still have me on hold after telling me they could not understand me or what I was calling for. it is now XXXX XXXX  and they refuse to pick the phone back up as I am patiently waiting to see how long they keep me on hold for. Yesterday I called at XXXX XXXX  XX/XX/XXXX and they were rude and again same thing. Refused to hear me out and kept insulting me and interrupting me. I asked for another agent to clear up our confusion of miscommunication and was hung up on.

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 2022-06-05
Company: Experian Information Solutions Inc.
State: KY
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-07-28
Company: PRESTIGE FINANCIAL SERVICES 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:
Pulled a hard inquiry on my credit check without my consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: SUNCOAST CREDIT UNION
State: TX
Product: Credit reporting 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 did an application for auto refinance and it was suppose to be a soft inquiry not a hard inquiry. Thats what I thought and thats why I did the application otherwise I wouldnt have done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Block, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I stopped by XXXX XXXX XXXX on XX/XX/2022 around XXXX, to get gas. However, I cancelled the purchase before pumping the gas ; but my funds were placed on hold by Cash App. The representative with Cash App stated that the gas store places the hold ; and the gas store representative said that the credit card provider places the hold. Either way, I reached out to the Merchant and to Cash App trying to get this matter rectified. It has been 3 days since my {$120.00} has been pending on Cash App end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: KS
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:
So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institutions are supposed to share my information to 3rd party people. 
These are clear violations of my federal protected consumer rights.

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 2022-06-29
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: Account information incorrect

Complaint:
Experian continues to violate federal law for years. Please find my correspondence in accordance with law attached to this federal complaint.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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