BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely 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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 kindly request the removal of all unauthorized credit inquiries from my credit report. 

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX , XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/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 2023-12-01
Company: TRANSWORLD SYSTEMS INC
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
False debt collection, for XXXX XXXX. I do not live in Texas and have not been to Texas for over a decade. The debt is false due to identity 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 2023-10-26
Company: W&A Intermediate Co., LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXy ( medical provider ) was over paid in full. Medical provider never contacted attorney who had provided medical provider with contact information. Instead, provider sold medical debt to Wakefield & Associates who endlessly called, texted and harassed. Deplorable action by XXXX and Wakefield has now jeoparized credit score, house closing, etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 2022-09-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 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 2023-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All the three credit bureaus have old information on my credit report. I have tried to remove the old accounts from my reports but all the three bureaus have different informations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i recently check my credit report and notice some items that wasn't mine so i sent a identity theft report to all 3 CRA 's ( XXXX, EQUIFAX, AND XXXX ) REQUESTING THEM TO BLOCKED AND DELETE THE ITEMS FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS REQUIRED BY LAW. THEY HAVE VIOLATED THE FCRA BY NOT BLOCKING NOR DELETING THEM WITHIN THE TIME FRAME. 

I HAVE ATTACHED THE COPIES BELOW FOR YOUR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Albert Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am in a vicious cycle with the instant cash option with Albert. Right now- it is just {$75.00} but I live dollar to dollar. Anyways, in order to get my {$75.00} this time around ( which is less than the {$100.00} I just had withdrawn from the last round ), they forced me to sign up for some weird process that I clicked accept for. It did not seem to be a big deal till I just got an email telling me that I am now enrolled into an automatic savings account. This account will now apparently automatically take money from my checking account each day and help me save - I do not even have any money in my own personal savings account because I am a XXXX XXXX XXXX  XXXX who can barely make ends meet. 



Please help me get out of this process. I have reached out to them and received no response. 

Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, 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'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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.

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 2022-12-06
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ive been unable to open a checking account with XXXX, XXXX XXXX, XXXX or any financial institutions due to Early Warning Services LLC restrictions on my Identity/Account. I called XXXX they said I was cleared to open an account, on XX/XX/2022 I went to a local branch in XXXX, XXXX to open an account after I was instructed to by a XXXX  customer representative. When the banker attempted to open the account, an error was giving from early warning service LLC and I was unable to open the accounts. Ive been having issues with multiple banks with early warning Services LLC and I would my name cleared from there system and all my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I did not provide explicit written or permission for these companies that are listed below to report any information that you have on record. My rights and my privacy are being violated. I am demanding that you follow the laws 15 usc 1681c-2 which state that these accounts must be blocked and remove any information that I have identified as the result of identity theft. These accounts must be removed within 4 Business Days of receipt. 

XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX I send Experian a affidavit, FTC form , a copy of my social security card and copy of my id

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 2023-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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 am writing to file a formal complaint against Kia Finance concerning their reporting practices on my credit report. The issue revolves around an item reported under the account number XXXX. Despite multiple attempts to address this matter directly with Kia Finance, I have encountered persistent issues with their response and investigation process. 

Upon my initial dispute with Kia Finance, I received a response dated XX/XX/2023, indicating that they had conducted an investigation. However, the letter was addressed to " XXXX XXXX, '' which is an incorrect spelling of my name. Subsequently, I provided another dispute to Kia Finance, and their response dated XX/XX/2023, was once again addressed incorrectly to " XXXX XXXX. '' This repeated error in addressing my name raises concerns about the thoroughness of their investigation and the accuracy of their record-keeping. 

Furthermore, Kia Finance stated that I had not provided sufficient information for them to commence an investigation. However, I firmly believe that the information I provided was comprehensive and adequate for Kia Finance to conduct a thorough investigation into the matter. Despite this, it appears that they have not undertaken a proper review of the dispute.

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 2022-12-06
Company: AMERICAN HONDA FINANCE CORP
State: CA
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:
American Honda Finance XX/XX/2022 XXXX XXXX XXXX XXXX XXXX This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/2022 This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX  This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XXXX XXXX XXXX  This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Please refer to documentation/attachments that are included in this email and update my account to reflect the funds that was sent by me in the amount of {$2500.00} for XXXX and XXXX those funds was never sent back nor applied to my account The only funds that was applied to my account was from the Delaware XXXX XXXX XXXX XXXX XXXX XXXX program which covered up until XXXX ( please refer to attached documentation ) of this year in which then the non returned payment from me in the amount of {$2500.00} should have been applied. Please update my account to reflect XXXX of {$630.00} to be made by me in XXXX of 2024 which is what will be left after XXXX & XXXX is paid out of that {$2500.00}. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Figure Technologies, Inc
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My situation is critical, I am a senior, age over XXXX, an American citizen and a victim of a huge scam including my personal savings value of {$90.00} plus my credit card value of XXXX plus two mortgage loans {$57.00} and {$54.00} from Figure Lending company. I was scammed by to men introducing themselves as the government representatives. According to them they were investigating my case advising me to empty my account from the XXXX XXXX and purchase bitcoins as my future protection. After that they have advised me to increase a value of my credit card from {$2.00} to {$10.00}, and applying for two mortage loans, for them to fully succeed of catching a thief ( s ), so I did. I have invested everything to bitcoins machines. They assured me every day, that as soon as their investigate is over the money of my credit card and the money of my loans will be returned, there is no need to worry, they only do their job. Today I know their names were fake, plus their phone numbers we fake as well and money was not returned. Help me please, I am a good person, a widow, who has lost her beloved hubby XXXX years ago and this situation is the second shocking time of my life. I nedd your help so badly.The total scam is {$210.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation