BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Collecon : XXXX XXXX XXXX XXXX Equifax XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Contacted Acima leasing company advised they were charging me for a payment that was made in the 90 day buy out period spoke to a representee he took card information for last payment that i tried to make myself through auto system. I disputed with bank statements showing payment was paid company closed account put a higher amount on report, i sent several letters asking for the derogatory information to be removed from account advised them to stop reporting false information they continue to put false updated information on report. Final Payments were made in XX/XX/XXXX XXXX twice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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 Reporting act 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

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 2022-12-03
Company: Experian Information Solutions Inc.
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:
Today Saturday XX/XX/2022, I checked my credit report for Experian to find out an account using my social security number has been opened for XXXX  XXXX XXXX, and I did not open any new accounts using my social security number with XXXX  XXXX XXXX ever. I have received security alerts that my social security number has been compromised and this action appears to be the result of this fraudulent activity.

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: 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 n accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-08-03
Company: DISCOVER BANK
State: MN
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 was scammed out of {$4400.00} in fraudulent charges in XXXXXXXX XXXX. I was offered a job that required that I purchase a laptop, iphone, accessories and send them to an engieer to have software installed. The representative of XXXX, XXXX XXXX, gave me a XXXX routing number number and account number for a ACH deposits of {$3400.00} and {$980.00}. These would bring my Discover Card balance to {$0.00} and I could purchase the laptop and iphone with my Discover Card. I did this as he directed. Once I did this, he stopped payment on the ACH deposits, left me with a {$4400.00} bill on my Discover Card and no job. Discover Card will not write off this {$4400.00} as fraudulent charges because I authorized the purchases. I have argued with Discover Card that I was scammed into fraudulent purchases. The definition of a scam is " a dishonest fraudulent scheme that attempts to take money or something of value from people ''. Discover Card refuses to listen and insists there is a diffence between a scam and a fraud and I was scammed. I argue these are fraudulent charges as a result of a scam. I am making the monthly payment but it is draining my savings. They are negatively effecting my XXXX score as my balance is above my approved credit limit. I'm a XXXX year old woman trying to survive on Social Security and Discover Card is flexing their muscle of Corporate Greed and will not listen to any rationale. Help me please get this issue resolved. I have no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The cable/internet company XXXX XXXX has attached an account in collections that is not mine but belonged to a previous resident at my former address. My account is current. They refuse to remove the delinquent account off my credit report because my former address was the same as the other account.

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 2022-10-24
Company: Mr. Cooper Group Inc.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage had been with XXXX XXXX  for years. Then our loan was sol to Mr. Cooper Mortgage in early XXXX. Our first payment to Mr. Cooper was XX/XX/2022. On XX/XX/2022 we received a reinstatement letter for our home owners insurance, saying that it was cancelled on XX/XX/XXXX due to non payment. I contacted Mr. Cooper immediately and they said the check for our insurance had been mailed and everything was fine and our house was insured. on XX/XX/2022 we received a refund from home owners policy saying it was due to cancellation from non payment. We called XXXX insurance immediately and told that our {$500000.00} hone had not been insured for the past 3 weeks. They did allow us to reinstate and make the premium on line that day, so we are now covered again. Bottom line, Mr. Cooper was 2 months late paying the premium despite the fact that they had been taking our payments for loan, taxes, ins. etc via our escrow. Also, it is impossible to get ahold of anyone at Mr. Cooper and they do not return email messages. Only contact I get from them is numerous email messaged weekly trying to sell me products I do not want. I have unsubscribed to them multiple times, but they continue. Please look into this. Let me know if you need any additional information. Out mortgage loan # with Mr. Cooper is XXXX. Their customer care # is XXXX. 

Thank You very much for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: CO
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am in disagreement with XXXX, Transunion and XXXX credit reports on my payment history. Specifically XXXX credit cards 1. JXXXX XXXX - XXXX, XX/XX/XXXX On XXXXXXXX XXXX end there was an issue with autopay/payment due date changes. Payment was received as soon as I was notified of the issue. Was falsely assured Id have no issue with my credit report 2. XXXX XXXX, XX/XX/XXXX On my end autopay failed and I didnt recognize, HOWEVER, the account was paid in full ( actually a few dollars over ), days later. I was never over 30 days overdue. XXXX and XXXX where paid in full as well 3. XXXX XXXX, XX/XX/XXXX I was hospitalized with XXXX but I never missed a payment.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Reporting act 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

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 2022-08-02
Company: EQUIFAX, INC.
State: OH
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:
There are 5 hard inquiries on my equifax credit file that are not mine can not be proved they are mine but they refuse to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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:
First and foremost, Experian has been reporting and updating XXXX  which is a closed account on my credit report. I have written and requested several times to investigate and reinvestigate information on how and why this information is accurate. I have requested how they obtain this information, who they have corresponded with and what information was provided that the information listed is indeed correct. 
Secondly, This account has not had a status change or updated since XXXX of 2017. So, where is Experian getting this updated information from?

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 2022-08-02
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 XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number 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.

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 2022-06-09
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:
The account listed below is being reported inaccurately on my Experian credit report which has caused financial distress and is against the law. Ive ask several times for the account to be verified by showing original signed documentation no response. 

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
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, My name is XXXX XXXX. I'm in the process of trying to buy a house and I am having a difficult time doing so due to my credit. I am writing this to delete the following information in my life. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX I had a mortgage with XXXX XXXX of {$96.00} dollards, XXXX XXXX  was been investigated for fraud. In XXXX this bank recorded with the county clerk of records of Florida a {$160.00} XXXX mortgage this mortgage was a fraud, was never advanced to me at this time XXXX XXXX  was found guilty of predatory lending it was orded to close all fraudulent accounts and XXXX millions dollars penalties, on XX/XX/XXXX this bank was last day in business.this bank send me the ORIGINAL PROMISORI NOTE ( blue ink ) and A MORTGAGE SATISFACTION ( blue ink ) plus a tax number for me to pay my own tax. They sent this documents to me following the federal investigation orders, after they sent theses documents I received a letter asking me to sent my monthly payments to U.S BANK. this mortgage was never assigned or endorsed to this bank, they enforced this mortgage with not even a single legal document. I have sent all my payments to them since XXXX I have asked them for copys of the assignment from XXXX XXXX  and they sent to me a fraudulent assignment from XXXX DONE ON XXXX they went to Wisconsin XXXX XXXX of XXXX they ILIGALLY RECORDED. in XXXX and XXXX XXXX  WENT OUT OF BUSSINESS IN XXXX.i stopped this payment on XX/XX/XXXX I told them I was going to have them investigate them and that after that my lawyer was going to contact them, the got scare and they suspended this mortgage they sent me a check for {$230.00} dollards XXXXXXXX XXXX and XXXX dollards suspending this account, I have all documents to prove this case.I 'm looking for a LAWYER at this time. 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 2022-10-24
Company: Experian Information Solutions Inc.
State: PA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 called XXXX XXXX XXXX and asked for amount needed to pay off the loan which I owed them. An amount was provided for which I agreed to pay them off. XXXX XXXX XXXX requested that I bring a certified check in order to pay off the balance. I complied and in my view, all went well. Thereafter, I noticed that my credit score dropped by over XXXX points instead of rising. On verification, I was made tom understand that XXXX XXXX XXXX reported to the credit bureaus that I had settled the debt for less than full amount. XXXX XXXX XXXX explained that there were accrued interest which was deferred in the past and needed to be paid. Long story short, I explained to them that there was a communication problem, and as such, my request was either not well understood or I did not understand their explanations So I wish to pay them all their money because I need to clear my record in order to apply for financing for an industrial project. I had paid off the amount asked of me, and the {$900.00} remaining was not an issue. I want to pay it off as well so my record could be clean. 
XXXX XXXX XXXX has refused to do anything to correct this. I need them to collect their money and report it to the credit bureaus as paid in full - being what I was assking from the beginning. 
Please, step in to assist me to correct this. I have the funds to pay their money in order to free me proceed me with my life.

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