BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: CA
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 an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX FL 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 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 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-23
Company: EQUIFAX, 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: 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act the following companies has violated my rights. 
XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # 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 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 2023-08-03
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: PA
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 filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf

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 2022-06-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had charges made on my XXXX XXXX account as well as my checking account while I'm in XXXX  and unable to do anything. I submitted verification of me XXXX in XXXX  and advised that my phone and wallet was stolen prior to XXXX  and I didn't authorize any of the charges and they're not actually investigating these or refunding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Bread Financial Holdings, Inc.
State: KY
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:
On XX/XX/2021 XXXX XXXX sent a refund to an old credit card, this card switched companies from XXXX XXXX to Comenity Bank. XXXX XXXX provided me with the XXXX Reference Number ( XXXX ). The refund was for an amount of {$750.00} and it was given to XXXX XXXX. 

When I contact XXXX XXXX they state that they do see the positive balance owed to me, but cant help me and tell me to contact the new card company ( Comenity ). When I contact Comenity they state that the money is at XXXX XXXX. 

I have called many many times. Sent emails and have contacted an attorney. My attorney could not get them to speak with her & I had to fill out an authorization for my attorney. 

I called again before pursuing this option and they offered no help. 

My family desperately needs this money back. I would like the full refund that was sent by XXXX XXXX to XXXX XXXX to be refunded to me and sent by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

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 XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 2022-06-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested to have my PMI waived on my mortgage based on major improvements to my home within the first two years of ownership. PHH sent me a request form and I completed it and sent in the {$150.00} fee for the appraisal. They cashed my check on XX/XX/25. Since then, they refuse to schedule the appraisal. I made multiple calls and filed an executive office complaint and no one has responded to get the appraisal scheduled. They have since requested costs associated with the improvements Ive made - this request was not a requirement of the original request form sent to me by PHH and costs are irrelevant. The appraiser will re-document improvements ; take pictures and assess the value. Costs are fluid and vary by contractor used, etc. and does not equate to value. 

Theyve had all documentation and my money for a month now and continue to refuse to get the appraisal scheduled. I went through the PMI waiver process with a prior lender within 2 years and they promptly scheduled my appraisal upon receipt of my request and fee. Im not the first customer PHH has refused to schedule an appraisal for.clearly its common practice to take customer money and do nothing. 

PMI is unorthodox for buyers who pay their bills. This is my XXXX mortgage ( perfectly paid ). I should not be penalized for paying my bills and not having 20 % down. PMI = revenue for mortgage companies and nothing more. It does nothing to protect consumers and in this instance its clear PHH wants to hang on to their additional revenue and are avoiding scheduling the appraisal. If the CFPB truly cared about consumers, the practice of PMI would be eliminated for those who have never defaulted on a mortgage regardless of down payment. 

I did not choose PHH, my lender sold my loan after only XXXX mos - lenders should be required to keep loans they originate for a minimum of two years. Another horrible practice that can negatively impact consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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 am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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:
Hello my name is XXXX XXXX and Im submitting this complaint without error or influence of any third party agency. Please see the attached documentation as it contains my request.

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 2022-06-22
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:
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

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: Bonneville Billing and Collections
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Originally post on here about XXXX XXXX about a bill received. I got a letter from XXXX XXXX and agreed to work with Bonneville collection after receiving a notice that my account was overlooked in error. I called Bonneville to make payments on auto-pay until debt was paid off. I now have a collection showing on my credit and payment as well as card is on file with Bonneville. Want this removed and someone from their department to reach out to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: C/C Financial
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company, Preferred Lease XXXX XXXX XXXXXXXX XXXX, Tx. XXXX, reported alleged debt over {$600.00} to all ( 3 ) major Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) as written off and neglected to send form 1099-C or proof of filing status for this current tax season and continues to report a late payment balance despite it's responsibility to the IRS. Preferred Lease continues to report this information to these agencies after being sent notice of violation ( XX/XX/2022 ). This adverse action against me has affected my general mode of living and has caused financial hardship to my Family and I. Please assist me and thank you for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
At XXXXXXXX XXXX Friday, XXXX XXXX, 2022, I received notification of a voice mail. I listened to the voice mail and the lady 's name was XXXX XXXX and she said she was calling from the Office of Financial Credit Network at XXXX. 

Unfamiliar as I am with this company, I XXXX  it. It turns out they are a debt collector. The Office of Financial Credit Network has violated state and federal law because I have notified all creditors IN WRITING that ALL communication with me is to be IN WRITING. I want a claim filed and to be reimbursed for the Office of Financial Credit Network violating federal and state law. 

Thank you very much for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to correct or repair the following items from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/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 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 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 2020-06-19
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent in several disputes to Rent Recovery Solutions. They are reporting to all 3 Credit Bureaus for 2 collections Account # ( XXXX For {$500.00} & {$4000.00} ) My 1st Dispute with them sent was a ( Validation/Pay to settle w/ offer_ 30 days to respond ) @ the address XXXX XXXX XXXX # XXXX XXXX, GA XXXX. Which was excepted by Return Receipt Sign by XXXX XXXX on XX/XX/XXXX I then waited and then replied back sending them a 2nd dispute to them for ( Violation of rights/ Validation Request/ Estoppel by Silence/ 15 days Respond Upon Returned Receipt ) I also waited and Sent Dispute letters to all 3 Credit Bureaus for investigation on XX/XX/XXXX. Awaiting a response from RRS. I get letters back from XXXX Verifying the dept from them. XXXX deleted the disputes. I haven't heard back from XXXX yet. I then get my 2nd dispute letters sent back to me ( Returned TO Sender ) Next I called their RRS company. The 1st associate told me she would have to take a ( Lift a Not Communicate ) with me off and transfer me to my caseworker. I explained I sent my 1st dispute and it was except at the 1st address above. asked if they have gotten the letter she said no. I then said that I sent my 2nd dispute to them and it got sent back Return to sender. she asked what address I sent it to. I couldn't remember and couldn't get to the address told her all I know was that the address had XXXX in it. She gave me the correct address. When I got off the phone with her I got home and googled the address I sent the 1st dispute to. the XXXX turned out to be the XXXX XXXX in the 1st and 2nd dispute letters sent. Found out it was still an office for them and has a website and XXXX attached to it. I made copies of all disputes sent and their websites to show they have gotten my disputes as proof. I sent it along long with the 3rd dispute to ( Failed to Validate Request/ Violation of Rights/15-day response upon Return Receipt ) etc.. to the Updated address @ XXXX XXXX XXXX XXXX XXXX  XXXX Which they Received upon Return Receipt on XX/XX/XXXX. I looked at both Return Receipts and they were both signed by the same person ( From my 1st dispute XXXX XXXX on XX/XX/XXXX ) It has been almost 18 days with no response still back from them. I have found out since then that this can be reported because of them and them not responding according to my rights. I have also been trying to file a complaint with the XXXX XXXX XXXX but I can not seem to get to where I can get them to route me to where they accept my type of dispute..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX XXXX reporting account # XXXX balanCe {$1100.00} reported credit card under my name send proof this account is no mine I need send me contract with my signature because never opened account still reinserted in my credit report violated my rights i need send me proof all your investigation because I rehuse accept this debt because never have business with this company send me letter with the address is no proof because person lost my identity I need put atention in my petition because this company danger my credit y need clean my profile because dont have made business with 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