BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific inaccurate information in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
2018 XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, 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 2022-07-30
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
When I looked for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was gathered by an aggregation website, which encouraged me to examine the website 's FAQ section before contacting around nine separate websites. I was ashamed by the fact that I had to request that my items be taken, as I respect my privacy. I discovered unauthorized fraudulent accounts on my credit record ; I would like these accounts to be erased and rectified. Remove any fraudulent and bad accounts from my credit report. This has impeded my capacity to obtain financing. I am making every effort to regain control of my life. Please help me eliminate any bogus accounts. Please inform me of any other steps that can be taken to remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am submitting this complaint on my own behalf, without any connection with a third party. I am submitting this complaint against Gurstel Law Firm , P.C . for committing identity theft. I have never given Gurstel Law Firm , P.C . permission of any kind to use any of my identifying information, and as such, they have committed mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with U.C.C. Article 9 that the assignment of a defaulted note is illegal. The assignee and assigned are liable for violations under 15 U.S.C. 1692e ( 12 ). I am legally refusing to pay this debt via the rights granted to me under 15 U.S.C. 1692c ( c ). I am demanding a cease and desist of all illegal activity, and any communication and collection activity, of this alleged debt and any other alleged debt until Gurstel Law Firm , P.C . can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced, and Gurstel Law Firm , P.C . continues its collection efforts, I will file for litigation for damages caused, and Gurstel Law Firm , P.C . will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of this notice, Gurstel Law Firm , P.C . is hereby notified pursuant to U.C.C. 1-202f. Your prompt attention and response to this matter are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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. 


XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-07-30
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to CREDIT BUREAUS to remove XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, XXXX XXXX Balance -, and XXXX XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$130.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after XXXX XXXX letter I sent. .Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: DISCOVER BANK
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
received a new debit card for Discover bank - had my name and address but I didn't open it, called discover they stated some of my personal information matched but not all of it, 1 that did was my social security number. they said they would close account and report but want to make sure nothing else is out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : 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 2022-07-30
Company: Experian Information Solutions Inc.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion and XXXX XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against TransUnion and XXXX if they do not validate the account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX 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 2022-07-29
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-11-02
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have the proof payment was made and they never took the payment and applied to the balance. {$5500.00}. paypal credit

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 2022-12-07
Company: SILVERGATE CAPITAL CORPORATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I wire transferred a total of {$13000.00} to who I thought was my attorney. I soon learned it was a fraudster-controlled client account with Silvergate bank in XXXX. I immediately notified my bank, XXXX XXXX to recall the wires, but Silvergate says there are no funds and they are not accepting any responsibility for the cyber attack. I have called and sent multiple emails to their Fraud department asking Silvergate bank where my funds went because my attorney did not receive anything. As we now know, it was NOT my attorney, but a client of Silvergate who posed as my attorney. Silvergate needs to accept responsibility. Nothing on the account was real except the bank name, account number and XXXX number. Everything else was false. I am out {$13000.00} because Silvergate bank which deals with XXXX companies and cyrptocurrency is allowing criminals to hide behind their cloak of protection. I am a XXXX XXXX XXXX woman who doesn't even know what XXXX and cyrptocurrency are. I would like to report Silvergate Bank with violating terms of Federal Reserve laws as well as Computer Fraud and Abuse Act. Appreciate any help you can provide, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Crow Creek Sioux Tribe
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
THIS HAS BEEN A TOTAL NIGHTMARE! I used a loan app because I lost my job and needed to pay rent so I took out a {$2500.00} loan. Ive made 12 payments of {$230.00} and only about {$1.00} has went to principle!!!!! When I called to get a payoff quote I found out that I was getting hit with almost 500 % interest and now owed them {$2700.00}!!!! Ive already paid back the amount that I received and when I call to make a settlement they deny it unless I give them {$2000.00} more dollars on the same day. I understand interest but this is downright unethical. There was no disclosure on the loans interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-02
Company: PRESTIGE FINANCIAL SERVICES INC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Approximately XXXX got a vehicle through Prestige Financial Services originally living in the state of Kansas. Hardship occurred. As Clients myself and husband tried selling the property and working out a deal but no resolution. Vehicle was repossessed and although I was not the primary on this account. This company has tried calling different employers of mines and my husbands impersonating HR Personnel, Maintenance Staff, & Insurance Agents, trying to obtain information. Reporting inaccuracies to the credit bureaus and at this point harassing us for an old debt, that I would think is in statute of limitations at this point since debt originally occurred in Kansas and over 7 years old. They continue to have their representatives call leaving aggressive messages on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have reached out to ALL XXXX credit bureaus- TransUnion XXXX XXXX XXXX XXXX XXXX times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.

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 2022-09-02
Company: LEXISNEXIS
State: MD
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 received my LexisNexis file reinvestigation results on XX/XX/2022 and there are still inaccurate information showing so emailed documents show the inaccurate information. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information. 
However, such information shall not include specific factual information on a consumer 's 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Took new mortgage with Loan Depot took almost 60 days to finalize secured loan first payment due on XX/XX/22 for {$2900.00} ( LOAN # XXXX ) to date all payments on timereceived latest monthly invoice which stated monthly payment is now {$3500.00} a nearly 20 % monthly payment increase of which I can not afford apparently the companys ESCROW DEPT miscalculated my ESCROW and is putting the onus on me for their mistake loan only a couple of months old and they arbitrarily raise it {$500.00} per month they need to use their errors and omission insurance TO COVER THIS LOAN DEPOT MISTAKE whether it be the ESCROW or TITLE DEPT of LOAN DEPOT. 

PLEASE CONTACT ME RIGHT AWAY SINCE MY new payment just became due. 

Thank you for your valuable time and effort in this time sensitive matter, A very upset XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/200 I received a notice from Amsher Compassionate Collections, stating that they're attempting to collect an amount of {$260.00} for XXXX. I emailed the back with proof of payment on XX/XX/2022 - showing my proof that this debt was paid. I made a first attempt to pay XXXX on XX/XX/2022 ( referemce # XXXX ), then I saw a refund of this on XX/XX/2022, from XXXX, I only noticed this issue because I received the notice on XX/XX/XXXX stating that I still owed. I made the payment on XX/XX/2022, of the amounts of XXXX ( reference number XXXX ) and was withdrawn from my account on XX/XX/2022. I emailed Amsher collections with a follow up on XX/XX/2022, and requested confirmation of receiving the email because I did not hear back from them within the first email and on my follow up email XXXX XXXX ( XXXX ) responded and confirmedreceipt and stated it was forward over to client service department for review. I thought that this would be settled since I paid the debt owed to XXXX. However, I received another notice on XX/XX/2022 from my credit bureaus and XXXX that on XX/XX/2022, I was reported for a derogatory mark on my credit which knocked me down XXXX points, I resent another email XX/XX/2022, to XXXX XXXX and Amsher customer support email XXXX ( Also is in the notice they provided ). I have yet to hear back from anyone... Very poorly handled from XXXX XXXX Amsher.I would think given the name Amsher Compassionate Collections- you would think they actually care/ be what they're name as?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation