BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX worker stole my XXXX XXXX phone didnt put it on receipt they know this information I reported this and my info was sold to accounts receivable I am not paying this money and they keep calling and harassing I never spoke to them they know and they can research with XXXX  XXXX its all documented

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 received a letter in the mail today informing me that I was not approved for a XXXX XXXX XXXX XXXX XXXX applied for in my name on XX/XX/2022. I did not apply for this card or any other in recent history. TransUnion shows the information submitted to the company as being an old phone number ( not current ), my first and last name, and my address. My credit score dropped XXXX points for the hard inquiry due to its chronological proximity to a pull done for a credit card I opened two months ago. I did not apply for this card ; TransUnion does not allow you to dispute inquiries, so that's a problem in and of itself. The issue with XXXX is that I don't know how this bank got my information in an application and THEN failed to perform adequate checking to make sure the information belonged to the applicant.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX Collection # XXXX, XXXXXXXX XXXXO # 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 2022-08-21
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I had a Sears XXXX that was delinquent from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, Sears charged off a balance of {$330.00}. I paid the {$330.00} balance on XX/XX/XXXX. The delinquency and charge off were caused by my medical condition. I sent Sears a letter dated XX/XX/XXXX which asked them to remove delinquency and charge off information from my credit file because they were caused by my medical condition. Sears sent me a letter dated XX/XX/XXXX which didn't indicate that Sears would remove delinquency and charge off information from my credit file. I believe that delinquency and charge off information should be removed from my credit file because on XX/XX/XXXX, the three credit bureaus were no longer reporting medical debts that were paid after being sent to collections. Sears sent my account to collections but the name of the collection agency is unknown. Nonetheless, after collections, I paid in full the balance of my account. So, again, I feel that Sears should remove delinquency and charge off information from my credit file because they were caused by my medical condition.

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 2022-08-21
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is about experian, specifically the boost it advertises to raise your score via connecting bank and credit card accounts. Had used it before and it raised it by like XXXX points so it mirrored the other scores XXXX and XXXX had me at. Apparently it lost connection with my credit card account recently and my score went down more than 20 points. Re-download the app to connect my accounts again but now my credit card account keeps disconnecting daily, daily. I've cleared the apps cache like they told me to and deleted the app and downloaded again but the problem is still there. Why is it that they offer this to " boost '' my score when it's only XXXX points but when it disconnects it lowers it by more than 20 points? Doesn't seem fair they should be allowed to lower it that much, it's not like I was applying for a loan.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
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 sent a letter on XX/XX/2022 to Experian. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America is unfairly denying me access to open a personal checking account due so some fraudulent activity associated with a checking account ending in XXXX. I have tried calling them many times to try to get more information about this and to resolve this situation but they are not providing me with the opportunity to resolve this unfair treatment of myself.

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 2022-08-21
Company: CBC Companies, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I Attempted to access my CONSUMER but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Advanced Resolution Services Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I Attempted to access my CONSUMER but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My amount different for principle I paid {$510.00} over the phone date XXXX but showing only {$480.00} My loan transfer from XXXX XXXX in XXXX. I did not request for Pay off, I instructed cooper do not issue payoff with out my approval. Pay off amount should added when closing happen, i am not satisfy with Mr Cooper the why doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Affirm Holdings, 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:
On my credit report I have 6 listed dates of loans taken out from AFFIRM INCXXXX within 2 months. This is not me at all. Here are the dates/account numbers/Loan amounts below : XX/XX/2022 / {$1900.00} XX/XX/2022 / {$970.00} XX/XX/2022 / {$1500.00} XX/XX/2022 / {$410.00} XX/XX/2022 / {$380.00} XX/XX/2022 / {$2000.00} These accounts listed belong to a person I know who opened all these accounts using my social security number which is fraud that I want to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions 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:
Hello. Ive tried calling the state of XXXX to dispute this. I have never had my children take away nor have I ever lived in XXXX. Ive been dealing with identity fraud for 8.5 years. XXXX says they have no record of this account yet its showing its in collections. Experian says that its valid when I try to submit a dispute. Begging for any help youd be able to provide with getting this taken care of. I have police reports filed in XXXX XXXX  and the United States XXXX XXXX as those are all the locations Ive lived when this person has used my credit. Well, the one in XXXX is for her. Thats her address. The XXXX  police said they have active warrants on this female but can never catch her in the past 8 years. Thank you.

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 i sent a certified mail with my FTC Identity theft report and my and my statement along with my ID. And the sent me back a stall tactic letter stating. 

We applaud your efforts to take charge of your credit. we want you to know we're on your side and we're here to help support you on your path toward credit health. 
We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us.We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the information on your TransUnion credit report at TransUnion.comXXXX XXXX 

If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at Transunion.com/repair letter. 
You can count on us as a resource as you work to achieve your credit health goals- we want you to be able to get the financial opportunities you deserve. 

sincerely, Your TransUnion support team

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: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Toyota Motor Credit have reported multiple late payments on my credit report for 3 different account that I have with them. I have attached a letter to this complaint, naming the accounts, account numbers, and the law that states that Toyota Motor Credit can not report late payments to my credit report. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( TOYOTA MOTOR CREDIT ) Making the report is NOT INCLUEDED on my Consumer report! Please review again my letter that is attached. Violation of the law will result in a lawsuit, seeking damages of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone filed a change of address in my name to an address in XXXX Texas. Some of our utility and credit card bills along with our mortgage statement went to the new address. Using the information in them they applied for, and received, credit cards from US Bank, XXXX  XXXX and XXXX XXXX XXXX. They also applied for a card from XXXX XXXX which I disputed before the card was issued. We have contacted each of the banks involved.

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 2022-08-20
Company: BARCLAYS BANK DELAWARE
State: SC
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 received a letter in the mail today informing me that I was not approved for a XXXX XXXX XXXX XXXX XXXX applied for in my name on XX/XX/2022. I did not apply for this card or any other in recent history. XXXX shows the information submitted to the company as being an old phone number ( not current ), my first and last name, and my address. My credit score dropped XXXX points for the hard inquiry due to its chronological proximity to a pull done for a credit card I opened two months ago. I did not apply for this card ; XXXX does not allow you to dispute inquiries, so that's a problem in and of itself. The issue with Barclays is that I don't know how this bank got my information in an application and THEN failed to perform adequate checking to make sure the information belonged to the applicant.

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 2022-08-20
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX 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 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 explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TRANSUNION WILLINGLY AND KNOWINGLY VIOLATE FEDERAL LAW!! TRANSUNION UNLAWFULLY RECEIVED INFORMATION FROM A NONAFFILIATED THIRD PARTY AND FURNISHED THAT INFORMATION ABOUT ME. TRANSUNION FURNISH A CONSUMER REPORT OF ME WITHOUT MY WRITTEN INSTRUCTIONS. Please view the attached complaint. I demand a response within 10 days upon receipt of this complaint. My proper identification is also included in this 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 non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: VA
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 2022-11-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Have filed several FTC reports with Identity Theft. Gov regarding the account with XXXX XXXX XXXX XXXX XXXX XXXX It needs to be removed from my Equifax consumer report immediately as it is removed from the other 2 reporting agencies and it needs to be removed according to 15 USC 1681 ( i ) regarding Identity theft I sent the documents and they where confirmed receipt on XXXX I have it attached and Equifax as passed the expiration date of 4 Calendar days and that is a violation. 

In addition I sent them information regarding the student loan Navient that according to FCRA law 623 ( a ) ( B ) should be correct as I was in deferrment and made a payment so there is no way that I would be 90 days late. 

I want XXXX to be deleted off of my consumer report immediately as well because it has not corrected itself and its just been violation after violation and the only means to get the matter rectified is legally but regarding the consumer report they are in violation of reporting accurate information and therefore EQUIFAX must correct the inaccuaracy buy removing the 90day late payment remark. 

This has caused me to loose millions and caused me to not be able to obtain credit and I am seeking litigation starting with the violations and some damages starting at XXXX and its increasing more and more as I have lost employment and business opprotunties and housing do to equifax negligence in accuracy reporting and investigations.

Company response to consumer: Closed with explanation