BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 non-monetary relief
Consumer complaint received 2023-04-26
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hp sears is charging me twice for the same debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-26
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:
I contacted Transunion, XXXX XXXX XXXX XXXX XXXX XXXX regarding information listed on my credit report such as name, address, ssn, inquiries, accounts. They have compromised my identity yet again and continue to list ssn and other identifiable information including accounts not listed in my name or belonging to me on my credit report. A ssn ending in XXXX is listed on my report along with the name of the individual. Not only is this listed under me I have an active fraud alert and police reports due to this dated back to XX/XX/XXXX and XX/XX/XXXX being the most recent. These companies were notified of these police reports and continue to compromise my safety and identity. They have accounts on my credit file tied to addresses in which I have never had accounts or live. They have information on my credit over 10 years old and continue make updates to account monthly listing them as charge offs that are inaccurate! I have recordings of ever person I spoke with by phone!

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 2023-04-26
Company: Voss & Klein, LLC
State: FL
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:
Voss & Klein XXXX XXXX XXXX XXXX, XXXX XXXX, FL sent me a letter attempting to collect payment for a bill from XXXX XXXX which I do not owe. The former management of my XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, sent XXXX XXXX to my condo to repair a major water leak. It was determined that the leak originated in the unit above mine and that the pipe through which the water was flowing was the responsibility of the HOA to repair. Voss & Klein claims I did not pay for the repair, however, I did NOT receive a bill, the invoice was sent directly to XXXX XXXX. I actually called XXXX XXXX because I needed a copy of the report on the invoice in order to put in a claim for damage to the floors in my home and I was denied. XXXX XXXX told me to get a copy of the invoice as they were responsible for bill payment and the client of XXXX XXXX. I submitted the invoice billed to XXXX XXXX : invoice # XXXX in the amount of {$480.00} dated XX/XX/22 to Voss & Klein as proof that I did not owe anything. In spite of my attempt to get this resolved Voss & Klein sent me another threatening letter claiming I owe {$690.00}.

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 explanation
Consumer complaint received 2023-04-26
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:
I contacted XXXXXXXX XXXX XXXXXXXX and equivalent, and XXXX regarding information listed on my credit report such as name, address, ssn, inquiries, accounts. They have compromised my identity yet again and continue to list ssn and other identifiable information including accounts not listed in my name or belonging to me on my credit report. A ssn ending in XXXX is listed on my report along with the name of the individual. Not only is this listed under me I have an active fraud alert and police reports due to this dated back to XX/XX/XXXX and XX/XX/XXXX being the most recent. These companies were notified of these police reports and continue to compromise my safety and identity. They have accounts on my credit file tied to addresses in which I have never had accounts or live. They have information on my credit over 10 years old and continue make updates to account monthly listing them as charge offs that are inaccurate! I have recordings of ever person I spoke with by phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! 
Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

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 2023-04-26
Company: Experian Information Solutions 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-04-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have a Business checking XXXX account but I never used it. It charged me {$200.00} in monthly fees already and I have been contacting them for closing this account. But they charged me again on XX/XX/XXXX making the balance to be negative and used this excuse to not close my account. I really don't like this kind of scam. Charging the customer, making the balance negative and refusing to close using this excuse, and charge again on an ongoing basis. 
I hope BMO would do the correct thing for the customers, and stop this kind of practice. 
Simply close my account. 
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 2023-04-26
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt that AssetCare LLC, has put on my credit report prior to any debt validation. As of today, they have still not send me any documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
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 am interested in processing disputes on my credit report with experian to remove and delete all inaccurate information that is hindering my file an causing denials in approvals on applications. checking all information listed all errors need to be deleted an corrected. this has been an on going issue. please review an remove the items listed asap.

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 2023-04-26
Company: AppFolio, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Tuesday XX/XX/ I sent a security freeze request to Appfolio through email. I did not appreciate the response that I was given. An agent responded by saying " Appfolio is not a credit bureau and can not freeze your credit. '' I then responded by saying that Appfolio is a consumer reporting agency and I have the right to obtain a freeze on my credit report. They have been reporting information in my name without written consent which is a violation of 15 USC 1681b ( a ) ( 2 ). This are also violating 15 USC 6802 b ( c ) they never gave me an explanation of how I can exercise my to not have my information reported.This company is clearly depriving of my right 18 USC 242 and is conspiring against my rights ( 18 USC 241 ) by selling my information against my permission which is also identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Citibank has called me before XXXX on XX/XX/XXXX and XX/XX/XXXX from number XXXX. They are also calling XXXX to XXXX per day from XXXX and the number ending in XXXX. The constant calls started on XX/XX/XXXX and have continued throughout the month. The harrassing calls have now escalated to calling before XXXX multiple times. I read on the XXXX rule, and they have definitely exceeded the number of calls that should be made. Please investigate and fine the company, to prevent this harassing behavior from continuing.

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 2023-04-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX SPS Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas  XXXX # XXXX Per your letter dated XX/XX/XXXX, the enclose statements is my reply. Pursuant to RESPA The wording in this loan document states that the escrow will be the primary and only source of information that directs actions of this mortgage escrow. Which means the RESPA can not give you Lender the right to collect a two-month escrow cushion. The Texas Home Equity Security Instrument dated signed on XX/XX/XXXX Section Funds for Taxes and Insurance does not grant you Lender the right to collect an escrow cushion. And also states that Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any Funds held by Lender. The current Escrow shortage balance is {$13000.00}. And as directed by the loan documentation section XXXX Funds for Taxes and Insurance the escrow payment will be paid in XXXX equal payments of {$1100.00}. Starting with monthly mortgage payments beginning XX/XX/XXXX which will include the following payments. 1 ) Principle & Interest payments plus 2 ) Escrow payment XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I encountered financial hardship for XXXX due to a XXXX. As a result, I lost my Navy Federal checking account. I have had this account since XXXX. The account was closed due to a negative balance years ago. Then I paid off the balance and was able to get the account restored. 

For the last 9 months, I have been trying to get in touch with NFCU 's account recovery department. I left messages, you name it ... no one ever called. 

I have since filed XXXX XXXX. So I called today again after months ... and I tried to get my checking account restored. I was told that due to the XXXX XXXX  on my account that they will not be able to reopen my checking account. 

I was told two things : NFCU does not reopen accounts that were closed. I refuted the statement by the Customer Service rep, and told her if that was the policy how was I able to restore the account several years ago? 

I was told that due to the XXXX XXXX that they will not open the account. 

It is so strange because they still have my savings account opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
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:
Equifax refuses to delete unverified information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NC
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 did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: SANTANDER HOLDINGS USA, INC.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
some unknown person open a auto loan in my name I reached out to said collection company / creditor to make them aware of the identity theft, this item has still not been removed from my credit file I also sent supporting documentation regarding the fraudulent account that was established in my name, without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an inquiry on my credit report for XXXX XXXX dated XX/XX/2023 / XXXX XXXX XXXX XXXX XX/XX/2023 I did not authorize or apply for their service or product this account has to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Central Portfolio Control Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Central Portfolio sent a text message to my fathers number regarding my debt. Although the amount of debt and to whom I owe this debt to was not identified, my reference number was. Therefore, I feel that in this circumstance this third party can contact central portfolio with my information and find out that I owe this medical debt to a specific MD and when I had this visit. I do not want anyone knowing my medical information, even where I get my medical care from. This is not only unprofessional but I believe it violates my privacy. 


Another issue I had with Central Portfolio ; they contacted me via text of my boyfriends debt. We do not share the same last name. We do not live together. What made them feel so comfortable in taking action like this? Its very unsettling. I was not aware he was in debt, this is a deceitful act. Their agenda is to tarnish our reputation, as if they are threaten us to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I found two requests for a credit report from two different companies on my account. One which I don't recognize, and one from a bank I haven't used in over a decade.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: IN
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : 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 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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