BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 2023-11-24
Company: EQUIFAX, INC.
State: NJ
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need these accounts to be removed from my report, they do not belong to me and I want this to stop affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: John C. Heath, Attorney at Law, PLLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
In XX/XX/XXXX I was informed of a company called XXXX XXXX. This program was to help you find a home with selection of home to choose by number, and an agent would get in touch with you..You had to go through XXXX XXXX XXXX  and show proof of signing up with them to have an agent contact you by showing you the homes with no down payment nor closing cost only Rent To Own. NEVER happened the company has no contact, but XXXX XXXX XXXX   started taking payment out of my Checking account on XX/XX/XXXX first payment then second one in XX/XX/XXXX up until XX/XX/XXXX, contacting them they have only returned one payment, and I have nothing removed from my credit as said, nor have I seen the Agent to view any homes.XXXX was debited out of my account in order for me to use The XXXX XXXX but never has.

Thank You XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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:
XXXX XXXX To : Whom it may Concern, I was looking over my consumer report and noticed a few accounts that I need more explanation on. I'm seeing different dates on accounts that appear to be the same companies. I have asked them to verify these accounts in which they said was verified but didn't provide me with any proof of these accounts. Pursuing to 15 USC Section 1681i ( a ) if they can't provide proof of these accounts they must be deleted. Can you please check over these accounts and reach back out to me via email XXXX In Accordance with the Fair Consumer Reporting Act XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXXXXXXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

Thanks In Adavance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Inqueires received by XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry received by XXXX XXXX XXXX XXXX Inquiry received by XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to delete these unverified items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA 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 2022-09-21
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:
XXXX XXXX To : Whom it may Concern, I was looking over my consumer report and noticed a few accounts that I need more explanation on. I'm seeing different dates on accounts that appear to be the same companies. I have asked them to verify these accounts in which they said was verified but didn't provide me with any proof of these accounts. Pursuing to 15 USC Section 1681i ( a ) if they can't provide proof of these accounts they must be deleted. Can you please check over these accounts and reach back out to me via email XXXX In Accordance with the Fair Consumer Reporting Act XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX-XXXXXXXXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

Thanks In Adavance 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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, 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:
As appears in Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX This people are requesting my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. In XX/XX/XXXX I lost $ XXXX untraceable money from XXXXXXXX XXXX Coincidence? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Requested my credit report on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Requested my credit report without my consent on XX/XX/XXXX When I called them to complain about it, they immediately asked for my social security number. Imposible! I didn't provide the number, so they continue asking for more personal information, I just disconnected the call. I noticed they were clearly spam numbers.

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: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a consumer of the XXXX XXXX XXXX XXXX XXXX. I am fully aware that I can not be denied for credit ( only Insurance and employment ) you sent me an adverse action which I am totally confused by seeing as I already completed the transaction when I did the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ). Please be advised that by doing that, it is aggravated identity theft because you took my application and entered me into a consumer credit transaction ( knowingly took my credit application and opened up a checking account without my permission ). With that being said, I demand immediate approval of the consumer transaction I originally applied for. I have been discriminated against.

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: 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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act COMMONWEALTH OF VA XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I uploaded my payment record for proof of payment. My credit score has taken a major hit and I was denied credit and home loan applications because of the 10 missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, Thank you for the improvements! But I still have a damaged score because of the items that do not belong to me. I have never had anything with these companies and received bunch of inquires and collection. Tried to solve it by myself but I failed. Nobody wants to help me from those companies. Please remove these items from my report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: Jim Bottin Enterprises, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up with XXXX XXXX at XXXX XXXX in XX/XX/XXXX for a bi-weekly fee of {$25.00}. 

In XX/XX/XXXX, I submitted my verbal request to not renew my membership to an employee by the name of XXXX. XXXX assured me that my membership will not be renewed, however this was all verbal. 

I came to find that I was still being charged in XX/XX/XXXX. I disputed the charges and when I spoke with the general manager of the gym XXXX, he denied ever receiving the request to not renew the membership. He informed me that I still owed the XX/XX/XXXX charges and that I would need to submit a written cancellation with a one month notice. 

On XX/XX/XXXX, I paid the two charges that I Disputed earlier in XXXX as well as the next two weeks for a grand total of {$75.00}. 
( proof of payment attached, " XXXX CC Statement '' ) On XX/XX/XXXX I also submitted a written cancellation with month 's notice that was signed and received by XXXX from XXXX XXXX ( attached, " XXXX Cancellation Form XXXX '' ). 
Proof of receipt of cancellation on XX/XX/XXXX is attached as the cancellation form was emailed to me by the XXXX XXXX email address ( attached, " email proof '' ) On XX/XX/XXXX I paid {$45.00} for the final two weeks of the membership. This was {$20.00} higher than my membership price. ( proof attached, " XXXX CC Statement '' ) On XX/XX/XXXX, one month after submitting my written cancellation, I was charged again for {$45.00} On XX/XX/XXXX, I was charged ANOTHER {$45.00}. 
I disputed the XX/XX/XXXX and XX/XX/XXXX charges with my bank and received my refund. 
Proof attached of XX/XX/XXXX charges and XX/XX/XXXX charges + reversals of XX/XX/XXXX and XX/XX/XXXX -> " XXXX CC Statement '' Now, the financial solution company of XXXX XXXX XXXX XXXX XXXX ABC Fitness Solutions , is emailing me and calling me nonstop saying that I owe them {$210.00} This sparked an email thread between myself and XXXX XXXX  and ABC Fitness Solutions . I demanded Debt Validation 4 different times and was ignored completely by both parties. As per the attachments to this complaint, I paid all my balances and was even charged extra. After 17 emails, I have yet to receive proof of debt from neither XXXX XXXX nor ABC Fitness Solutions. Conversation is attached " Email Thread ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am in the process of buying a home. I been analyzing my credit to making sure my debt is truly mines. These hard pulls are not mines at all. I did not authorize these inquires now do I do them. The follow items are what I do not recognize and they are repeatitive : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am in the process of buying a home. I been analyzing my credit to making sure my debt is truly mines. These hard pulls are not mines at all. I did not authorize these inquires now do I do them. The follow items are what I do not recognize and they are repeatitive : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co 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 2022-07-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ATTENTION TO ALL CREDIT BUREAUS I AM SUBMITTING THIS INFO AS THESE INQUIRES are a result of identity theft I have not done business or opened any form of account with these companies. I recently discovered through my monitoring service these accounts being reported I made efforts to remove the inquires from my file as they do not belong to me. 

INQUIRES REPORTING : 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 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind with my mortgage beginning in XX/XX/2021. I was able to make some payments in XXXX but not sufficient to reinstate my account to a current status. I removed money from my small retirement account but it was not enough with being delinquent with the utilities and other household bills, including a defunct XXXX unit that required repair/replacement. I was hesitant initially to apply for a loss mitigation, thinking that I could get caught up but fell further delinquent. Upon falling 6 months delinquent, I then received a notification of impending foreclosure status if I did not pay the arrears plus over {$1200.00} in legal fees which I did not have in my possession, nor could secure with a loan as my credit is subpar. I have submitted the loss mitigation documents as of XX/XX/XXXX, where my account has been stagnant and no new activity or status update. I have called at least weekly to check the status my account, however was advised to wait XXXX business days but no new updates have occurred. In addition, I advised of my willingness to attain half of the required balance to reduce the liability however was informed that I must remit the entire balance. As of today, I have reached out several times to gain a status update and advise that no new updates regarding my account have been provided, which increases the possibility of my account moving into a pending foreclosure date.

Company response to consumer: Closed with explanation