BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-08-18
Company: Experian Information Solutions 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:
Unauthorized Inquiries Did Not Give Permission for these companies to pull my credit. 

XXXX  ... .XXXX XXXX XX/XX/20 XXXX ... XXXX XXXX ... XXXX Experian ... XXXX XXXX ... XX/XX/20 Experian ... XXXX XXXX ... XXXX Experian ... 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 2022-10-24
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im the wife of XXXX and all my phones are in my name. I received a text on XXXX XXXX XXXX. I called and spoke to the person who called themselves a debt collector or mediator. Because my husband is hospitalized.After asking questions I was told that the Company who was taking me to court on XXXX XXXX is ChecknGo. And I verified myself to them telling the mediator or collector who I am. Still the collector assumed it was me that he was collecting for. 
I told the collector that XXXX  doesnt have a debt with that company. 
Then I was told that I was being served when in fact it wasnt the person that they were looking for. After trying to ask further questions I was continually told that Im being served without any further explanation. 
I looked up the number to Checkn Go in my area and gave my husband name, telephone number, address and all info that was requested. I was told that there was no Loan taken out with the information that I gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-03
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX  bill pay takes my payments out my account to send to ally financial bank on my auto loan that is paid monthly well when they sent my payment electronically they were provided a confirmation number which means they received it but never posted it to my account now it shows past due and ally financial keeps giving me the run around and something needs to be done because they did receive the payment but they keep on giving me the run around and what they are doing is theft

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: 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: Account information incorrect

Complaint:
I'm contacting you to please help me resolve this issue. On my report I found inaccurate information from XXXX XXXX XXXX. They reported inaccurate and false information of a debit I never agreed to. The debit was listed at {$340.00} that was opened in XX/XX/2021 on account XXXX. After filing a complaint with the bureau. This same company created a new debit with a new account number. They also add {$200.00} to {$340.00} to the last statement to create {$540.00} out of account XXXX. Under 15 USC 1602 ( p ) Method of verification is highly demanded. XXXX XXXX removed the debit of {$340.00} but add on debit of {$540.00}. The other bureaus did not comply at all to my request of Verification by producing a signature of contractual agreement debit. Also i sent in a second letter to update my private information and take off inaccurate hard inquires.

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: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit.

XXXX XXXX XXXX XXXX XXXX XXXX**** BAL : {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from 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 2020-08-18
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called Freedom Mortgage back XX/XX/2020 and spoke with XXXX XXXX. During this conversation we discussed my financial situation and that I was looking to see if I would qualify for a VA loan. I told him my financial situation and I gave him authorization to pull a hard pull on my credit report so that he could review it and give me pre authorization for an amount on a loan. Right now times are crazy with buying a house and there are multiple offers being put on homes. On several occasions I spoke with Mr. XXXX about my approval making sure everything would be good for the loan. He even went to the extent to send me Closing worksheets so I would know exactly what I would need at closing. My real estate agent even had many conversations with him in regards to the approval. So, I had no change in my job or financial status everything stayed the same. I had to put {$500.00} of due diligence money down with my offer on a house. The contract here in NC reads that it is not contingent upon me getting mortgage approved. Well, I would have never given the money if I knew that there was any chance that the loan wouldn't go through. I was told to go find a house and make an offer so we could move forward. I found a home made an offer gave them my due diligence upon the advice of Mr. XXXX and thought all was good. Then after sending contract to him I get a call saying that I would need {$24000.00} in reserves or a co-borrower. First of all with a VA loan the only co borrower would be my husband which is not employed at this time. They knew that, so {$24000.00} in reserves?? So, I contacted other mortgage companies and in the pre screeening they told me they would advise me to wait another year with good credit for my score to raise and also to fulfill the requirements of the VA loan. During my prescreening I feel that Mr. XXXX didn't properly screen me, so now I am out of my {$500.00}. Even Mr. XXXX has called me and apologized and admitted his wrong doing and that he will now be asking more questions when he pre qualifies anyone. I then spoke with the Branch Manager with Freedom Mortgage here in XXXX NC and he basically told me that my contract I signed was wrong and that the sellers owed me the money. I sent him a copy of the contract and then he just kept saying he would check with his legal department to see if they would pay me the {$500.00} I put out on the professional advice of Mr. XXXX. He has not responded to me and I have filed 2 complaints with Freedom Mortgage Corporate and I have gotten zero response. I think that if your representative is not knowledgeable in VA loans he shouldn't be representing your company and give false advise. Please help me in getting them to accept the full responsibility by paying me the {$500.00} back that I lost.

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: CCS Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$52.00} XX/XX/2022 I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform this type of investigation or locate all of the records to investigate this dispute, please update the credit bureaus to remove the information. 

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. Then I may conduct my own investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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:
A medical collection was placed on my credit report and I called the creditor and was told that they were going to have it removed. Transunion has not removed this. This is medical and it violates hipa.

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: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was informed that I owed a full month 's rent for damages incurred to an apartment rental until. I asked how the amount was determined and asked for an itemized list of repairs as the charge was for " dry wall '' and " paint '' repair for pictures that I had hung. I was told by the apartment manager the bill would be updated when the final repairs were made. My deposit was taken ( {$350.00} ) and I was told I was to receive an itemized bill which was never provided. Instead the company sent the debt straight to a collection agency. I have asked ProCollect Inc to work with XXXX XXXX to document the actual bill, but they refuse to and tell me I must provide proof I do not owe the debt. When I ask what that would entail, they do not answer but repeat " Nevertheless, the debt is due XX/XX/XXXX. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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:
EXPERIAN continues to violate my rights by being noncompliant United States Code title 15 chapter 41 and title 15 chapter 94. EXPERIAN continues to report unverified, inaccurate, and prohibited information. By communicating unverified, inaccurate, and prohibited information EXPERIAN is acting in the capacity of a debt collector. By communicating unverified, inaccurate, and prohibited information EXPERIAN is discriminating against me. EXPERIAN is communicating my nonpublic personal information without my permission. EXPERIAN never gave me the opportunity to opt out of certain information being communicated. I sent EXPERIAN a letter requesting changes be made to my report. I called EXPERIAN after i received the certified mail return receipt for an update and i was told that the information congress prohibited will still be communicated.

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: 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:
So i sent a letter off on XX/XX/2022. Here is my tracking # XXXXTo remove personal information that l don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. 


These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA 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 2020-04-17
Company: EQUIFAX, 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:
XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX  XXXX Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX  Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, Elan Financial Services, a division of US Bank, elected to close my credit card accounts in 30 days. When I prompted them for more information, XXXX XXXX XXXX, Retail Payment Solutions, Office of the President at Elan Financial, sent me a letter on XX/XX/XXXX indicating that my accounts are in " Default '' under the terms of these accounts. According to the letter, my accounts are " in Default under subsections e and f, '' because of " false statement in the maintenance of your account '' and " the Account is in danger of, or is being used for fraud. '' These claims are baseless, and I was not given any opportunity to answer them. I have made no statements to anyone at Elan or US Bank, false or otherwise, to maintain my credit card accounts. Alleging that I was involved in fraud is a serious charge, commonly defined as " criminal deception intended to result in financial gain. '' Frankly, I am flabbergasted by this assertion! My account originated over six years ago when Fidelity awarded Elan the contact for this service. Most of my family 's daily spending goes thru the account ending in XXXX, so there is a clear and continuous record of my family 's spending patterns. Over the nineteen years, I have had a Fidelity Credit Card, I have never missed a payment or had my account out-of-order. XXXX calculated my credit score this month is over 800. When did Elan Financial detect that I was somehow involved in criminal activity? When I spoke to XXXX XXXX on XX/XX/XXXX, he would not provide any information on how Elan or US Bank reached this decision or evidence supporting these assertions. 

Elan Financial and US Bank acted in a disturbing, arbitrary, and conspicuous manner to close my credit card accounts, which is inconsistent with the agreement. They should not be able to make summary judgments about credit card accounts without providing the consumer with clear and convincing supporting evidence. Furthermore, I was not afforded due process consistent with being a valued, longstanding client.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
this account is not mines and is a result of identity theft. my last name does not even match

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 2022-12-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My Password and email Got Changed for Equifax XXXX And Trying To Freeze my Credits bureau

Company response to consumer: Closed with explanation