BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: KY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 need to be updated from erroneous reporting 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

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 went to a car dealership in Texas and the car sales man told me that I may qualify for a discount if I was currently in the military. I told him that I was and showed him my military ID. He stated that he still needed to verify that I was XXXX XXXX and all he needed was my date of birth and my social security number. I later learned that he had the dealership pull my credit report as well as submitted my information to multiple lenders that also ran my credit. I have not done business with any of the below listed companies nor have I ever received and approvals or disclosures. I did not give him or the other companies permission to use my personally identifiable information to run my credit. I have disputed these items with XXXX and TransUnion. Both XXXX and TransUnion claim that they did an investigation and the inquires are accurate. I am now requesting the strict proof of my authorization to obtain, and share my credit report ( specifically the application for credit dated XX/XX/2022 & XX/XX/2022 ), which was used to verify the accuracy of these inquiries during XXXX and TransUnion 's thorough investigation.. 

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 XXXXXXXX

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 2023-04-21
Company: EQUIFAX, INC.
State: MI
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 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX account # XXXX ***********BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had XXXX dollars in checking &, About XXXX n savings. I have spoke to them with no results. I called the XXXX number as well spoke to several bankers, XXXX. XXXX. XXXX, XXXX. I have a list.they SD they couldn't help me? It is a never ending battle. XXXX SD I would get my $ during income tax? I went in bank for my accounts information & could not get em. I requested my written form numbers and was told they would be mailed to but are long over due?

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 2023-04-21
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
AMERICAN EXPRESS XXXX Balance {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
When I looked into my credit report, I found that part of the data was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the items be authenticated by the three credit bureaus. ( A ). Without providing verification within the legal time frame, it is unacceptable to treat the reporting items as unverified information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Missed a call listed as Spam. Ex husband contacted me stating that he got a phone call about a a civil complaint " out of ( my county ). 
He gave me a ( XXXX ) number Called line was busy. Noticed a missed call ( phone blocked it b/c is was " suspected spam ) Called the number and processed to go off on " XXXX " once he told me that HSBC was filing a civil suit b/c I never responded to the " letter '' regurding an XXXX  backed debt from prior to a bankruptcy I filed ( I filed in XXXX  everything but federial Sub and Unsub student loans were discharged ) they sent me. Told him that this XXXX XXXXXXXX that at no point in time did I or Have I received anything from their client. I have no outstanding debit and if I do then mail me a certified letter with the documents/ letter from your client with the information of said debit. 

XXXX then stated that he could not do that as it would not be cost efficient, and asked for my email. Rambled off an email address and proceeded to chew his " Lawfirm '' out for falsely trying to collect old debits and that again until I have a certified letter from either his employer ( lawfirm ) I'm calling XXXX. He continued to refused to send me a certified letter, that the ONLY certified letter I will be receiving is my subpoena, and that this was now my notice and that they will move forward and reminded me that " This call is being recorded " and WILL be played back in court. I went on to again request certified documentation of said debt which he replied that I'm their client and I will get said documents in court.. I called XXXX. again stating that his Client ( HSBC ) Flat out falsely reported they mailed out anything to me so until I receive a certified letter with said claims of past due debit that I'm not settling anything. Asked again what County the suit is filed in, said XXXX XXXX Told him fine I will call the court house myself to validate the suit to which " XXXX '' said it hasn't been filed yet. 

At this point we had been on the phone for nearly 25-30 mins and he told me there was no point in arguing. My response was " Why not your getting regardless " and If you want people to answer your phone calls maybe have you employeer update the phone records so it doesn't come up as spam. 

The " Law office " Is XXXX XXXX ( which I only found 1 and they deal with timeshares ) The debit was for like {$2300.00} ( give or take ) Client HSBC. Guys name was XXXX. And there was a voice mail with a call back # XXXX XXXX XXXX XXXX. Stating in regards to a civil matter couldn't really make out the rest but female stated that " I've been notified " All phones listed the XXXX, XXXX and XXXX were reversed look up and no information on any of these number except the XXXX was listed as XXXX, XXXX Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: TX
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 to the Fair Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 602 A States I have a 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 non-monetary relief
Consumer complaint received 2023-09-24
Company: Partners Financial Services Inc
State: AR
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: Was not notified of investigation status or results

Complaint:
I asked Partner Financial for debt validation for a debt I allegedly owe i sent certified mail on XXXX it was signed on XXXX with no reply back to inform me on the validity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disputed a collection on my TransUnion credit report. I contacted company XXXXXXXX XXXX collection agency using the information TransUnion has on my file and the XXXX told me they don't have any collections against me. They verified using the last four of my social security number. It is a medical debt from an hospital in Indiana. I have never been to Indiana and have health treatment through the veterans department. TransUnion has refused to provide any documentation. I have asked online and through phone calls several times. They have not investigated at all. It was very easy for me to use their info to verify it's not mine.

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 2023-08-21
Company: Exeter Finance Corp.
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: MO
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 Collection account : Creditor : XXXX XXXX Amount : {$1200.00} Account number:XXXX Date opened : XX/XX/XXXX Account type : Collection Creditor : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Account numberXXXXXXXX Date openedXXXX XXXXXXXX, XXXX Creditor : XXXX XXXX Account type : Collection Account numberXXXX Date openedApr XXXX, XXXX Account type : Collection Creditor : XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

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 2023-08-21
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They had sent me a trial forbearance agreement during the process of my bankruptcy, but the payment was still too much and it was impossible to get a hold of my one point of contact. Their employees make misleading statements to make you think they are helping and they are not. I sent in proof of insurance to get them modify the past due amount and they never responded. Another time an employee named XXXX told me to send the documents to XXXX and they would make the changes there. They are a predatory mortgage lender and their employees are a reflection of their deviousness. 

Then, I submitted a loan modification application on XX/XX/23 to Selene Finance and they refused to review saying there wasnt enough time to review it before the auction sale which was XX/XX/23. The opening bid was XXXX and it was sold back to the beneficiary which is Selene Finance. I believe they violated my homeowners rights and they also never posted a notice of the trustee sale on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove all these other addresses off my report that are as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
My name is XXXX XXXX XXXX. Please remove any other aliases. 

XXXX XXXX XXXX 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 2023-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple Debt Validation Letter to This Company XX/XX/2023 and also XX/XX/2023 they have responded To My Letter without showing sufficient Proof I Owe There Company I havent seen any Of My Signature On Any Documents were I Agreed To pay this company or obligated to pay this company!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
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:
The following accounts are not mine and unverifiable. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX I have asked all three credit bureaus to provide me with the proof, bearing my signature, holding me liable for this account they have all failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The following accounts are not mine and unverifiable. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX I have asked all three credit bureaus to provide me with the proof, bearing my signature, holding me liable for this account they have all failed to do so.

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 2022-12-22
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: Personal information incorrect

Complaint:
Failed to update correct adress over the phone Website failed to upload my correct adress After I tried to upload documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Affirm Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
At XXXX Pacific Time on XXXXXXXX XXXX XXXX I noticed there is a {$260.00} charge of direct payment on my XXXX XXXX checking account. This payment 's merchant is AFFIRM INC AFFIRM PAY. This is weird as I never had an account with Affirm and have never authorized Affirm to take payments from my account. 

I called XXXX phone line when they are opened, at XXXX PT to dispute these charges, which XXXX mentioned they have done so for me. ( I am still waiting for XXXXXXXX XXXX confirmation email that this transaction has been disputed ). XXXX told me that this charge was done through my routing and account number. 

I then called Affirm to find out why was I charged and how did the have my routing and account number information. Affirm talked to me on the phone and was able to confirm that I do not have an account with them, but were unable to provide me with any more details.

Company response to consumer: Closed with explanation