BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ME XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EXPERIAN XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Subject : Request for Assistance with Unauthorized Inquiries and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to seek assistance regarding unauthorized inquiries on my credit report, which I believe are a result of identity theft and a data breach. I have made several attempts to resolve this issue by contacting the credit bureaus and various banks, but unfortunately, the unauthorized inquiries still remain on my credit report. This situation has been adversely affecting my credit and my financial future, and I kindly request your jurisdiction to step in and help me address this matter. 

I have diligently reached out to all three major credit bureaus, Experian, XXXX, and XXXX, to inform them about the unauthorized inquiries on my credit report. Moreover, I have also contacted several banks, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX consolidated, and XXXX XXXX, in order to report the identity theft and the data breach that I have become a victim of. Despite my efforts, the inquiries have not been removed from my credit report, and I believe this is unfair and unjust. 

Given the impact these unauthorized inquiries are having on my creditworthiness and financial standing, I kindly request your intervention in this matter. I urge you to investigate the situation, assess the evidence I can provide, and take appropriate action to ensure that these unauthorized inquiries are promptly removed from my credit report. Additionally, it would be greatly appreciated if you could facilitate any necessary communication between the credit bureaus, banks, and myself to ensure a swift resolution. 

E I am grateful for your attention to this matter and for any assistance you can provide. Should you require any further information or documentation, please do not hesitate to contact me at XXXX or XXXX. I eagerly await your response and resolution to this pressing issue. 

Thank you for your time and consideration. 

Sincerely, 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 2023-12-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15usc6508. per Per the FCRA as a federal protected consumer. I am now opting out of any and all authorizations. I the consumer my have given your written and Unwritten Verbal or non-verbal per 15usc6802.

Fair credit Reporting Act 1974 15usc1681, 15usc1681a, 15usc1611,15usc1602,16cfr 313.6, 16crf 313.7 ,15usc1681,17cfr424,5usc522a, hjr192,15usc15usc1692a,15usc1692 ( 2 ) 15usc1692e ( 2 ) ( a ) 15usc1681 ( 6 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: SC
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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. 
XXXX XXXX  XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$12000.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX OF XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  Balance : {$14000.00} XXXX XX/XX/2022

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Company: Experian Information Solutions Inc.
State: AZ
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
Company: Experian Information Solutions Inc.
State: TX
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 am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the disputed items which I want to removed by the Credit Bureaus : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have enclosed copies of documents that support my claims, including attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address correction. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: UT
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-29
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I woke up this XXXX  to multiple emails stating that an account was opened in my name, a direct deposit firm was completed, and multiple transfers were initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a letter from Mohela on XX/XX/2023 stating that my student loans were forgiven and that changes would be made to my account within 90 business days. That would have been on or around XXXX XXXX. That date has long come and past with no resolution. I have called Mohela at least a half a dozen times and get varying and unhelpful answers. They tell me that they are waiting on the Dept. of Education and there is nothing they can do, but when I call the Dept. of Ed., they tell me I have to call Mohela and have to work with my loan servicer. It is a completely frustrating circle of dysfunction. 

Meanwhile, student loan payments have restarted, and I am now incurring interest on loans that were supposed to be forgiven. I also originally received a bill that included the forgiven loans. I called Mohela about that and they placed those loans on an " administrative forbearance. '' I think received a letter from Mohela stating that such a forbearance can negatively impact my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I was alerted by an apartment leasing office agent that a recent credit report of mine, showed that I had a debt of approximately {$260.00} owed to XXXX XXXX. Under this account, services ( by XXXX XXXX ) were provided from XX/XX/XXXX to XX/XX/XXXX at the address : XXXX XXXX XXXX. Apartment B, XXXX, TX XXXX. 

I have never subscribed to services provided by XXXX XXXX, nor am I familiar with the address related to this account. During the time of service ( XX/XX/XXXX through XX/XX/XXXX ), I was living in XXXX XXXX, XXXX  and XXXX XXXX, XXXX The balance due has been in collections since XX/XX/XXXX, though I found out about it yesterday. 

Eventually, XXXX XXXX sold the debt to Transworld Systems INC ( TSI ). The TSI account number related to this debt is XXXX. 

I am concerned that my identity has been stolen in order to open the account with XXXX XXXX. I am also concerned that the debt has negatively impacted my credit score. Please help me resolve this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Westlake Services, LLC
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:
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( WESTLAKE FINANCIAL SERVICES ) company. I requested that they send me the written '' Permissible Purposes '' document, with no response. I suffered injury to my consumer report and credit score. 15 USC states that written Permissible Purposes must be given by the consumer and no other.

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 2023-09-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
NEW INFORMATION NEW UPDATE Notice of default and opportunity to cure. 

On XX/XX/2022 a claim was presented to Equifax violating my rights and unathorized disclosure pursuant to 15 USC 1681r. Equifax failure to comply within the 30 days required by Law. See Exhibit A.

I conditionally accept your offer upon proof of bona fide claim.

I have the right to Clear, Complete and Accurate information regarding my consumer report and consumer file. I also have the right to ask questions and you have a duty to answer them.

Notice Pursuant to 15 USC 1681b ( 2 ) -Permissible purpose of a consumer report. 

1. Do you have the authority to furnish anything on my consumer report or consumer file without my consent or written instructions? If yes, in good faith or under Penalty of Perjury please produce or provide sufficient evidence or documentary material facts to support your claim.

Notice failure to comply under law leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability of a XXXX XXXX dollars ( {$100000.00} ). 

Notice Pursuant to 15 USC 1681r further reporting of inaccurate or incomplete or unauthorized disclosure of alleged account reporting in question if you knowingly and willfully continue to be unlawful i will file a claim against you by way of Trespass, FRAUD, Breach of Privacy Rights, Dishonor and unauthorized disclosure by unlawful officers or employees of Equifax and shall incur a penalty and/or criminal liability of {$10000.00} a day upon receipt of this offer. 

Regards, XXXX XXXX a man

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-10-30
Company: World Acceptance Corporation
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
We live here in XXXX mississippi XXXX my father pays mortgage every month however he passed away last XX/XX/2023, so i have to continue paying the said mortgage and since My father passed away and its me now paying the mortgage under my ssi income.. i am requesting to transfer the deed trust under my name. yet the public people 's finance company here in XXXX Mississippi doesnt seems want to do it. I am now seeking an assistance how can i go about that? Im under XXXX and im only defending from my social security income and i am hoping that there would be assistance from government that is available for me? Please answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, I am writing to lodge a formal complaint against Discover Bank and their collection agency, XXXX and XXXX XXXX, for non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their handling of an alleged debt. 

Description of the Incident : The sole correspondence I received regarding the alleged debt was from XXXX and XXXX XXXX, representing Discover Bank. This initial contact occurred on XX/XX/2023. Subsequently, I sent a written request for debt validation to XXXX and XXXX XXXX within the required XXXX period, as outlined by the FDCPA. This request was dispatched on XX/XX/2023 via certified mail. A copy of this letter is included in the attachments for your reference. 

Violation of FDCPA : Under the FDCPA, collection activities must be suspended upon receiving a written request for debt validation until the debt is confirmed ( 15 U.S.C. 1692g ( b ) ). However, neither Discover Bank nor XXXX and XXXX XXXX has acknowledged my request or provided the necessary validation, yet they continue with their collection efforts. This behavior is a clear violation of the FDCPA. 

Violation of FCRA : The FCRA mandates accurate credit reporting. The continuation of reporting this unverified debt by Discover Bank could potentially be erroneous, adversely affecting my credit score and report. This situation may constitute a violation of the FCRA 's requirements for accurate and fair credit reporting.

Request for CFPB Intervention : I respectfully urge the CFPB to investigate these potential violations. The ongoing collection activities and credit reporting, despite my unacknowledged request for debt validation, are concerning and may negatively impact my financial health. 

Attachments : Enclosed are copies of the correspondence from XXXX and XXXX XXXX, my written request for debt validation ( refer to the attached letter sent to XXXX and XXXX XXXX ), and any other pertinent documents. 

Conclusion : I seek the CFPB 's assistance in resolving this matter and ensuring my rights under the FDCPA and FCRA are protected. I am available to provide further information as needed for your investigation. 

Thank you for addressing this important issue. I look forward to your prompt response and a favorable resolution.

Company response to consumer: Closed with explanation