BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have found myself in a difficult situation since someone stole my identity. I feel I have exhausted all my efforts and need additional help. I have submitted to each of the credit bureaus a copy of both a police report, my identity theft affidavit, and a copy of my personal information i.e. my drivers license, copy of my passport, and my social security card. Additionally, I sent in a letter disputing the inaccurate information and got no response at all. It has now been over 30 days and I have yet to hear any response from them regarding the matter. I am now submitting a complaint to request additional help in rectifying the situation. I know the credit bureaus are each in violation of federal statute, and the only request I have is for the fraudulently reported information to be removed and blocked so that I am no longer affected by it. It has been interfering with me being able to get credit, gain additional employment, and hindering the quality of life I deserve to live.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: CT
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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX  XXXX Balance : {$350.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX/XXXX XXXX Balance : {$0.00} ; 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 2022-07-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX Pl # XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Experian, Under FCRA the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation.

XXXX  XXXX  # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation.

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 2016-06-26
Company: ECMC GROUP, INC.
State: OR
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
My taxes of {$7400.00} were taken and being a single mom needing to move to better my life this was definitely a huge barrier. Please review to see if any money can be returned. thanks and XXXX bless!

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 2016-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/XXXX, I was informed by my credit card company XXXX XXXX XXXX that someone has been using or attempting to open credit card accounts using my name, date of birth and social security number without my permission. The suspect has already opened several credit card accounts and committed the crime of theft in XXXX California. The suspect stole my identity by using my name, social security number and date of birth to commit theft and avoided payments and capture from the law. I reported the incident to the XXXX credit card bureaus such as XXXX, XXXX and Experian. I had to place a security freeze and a fraud alert in order to prevent the suspect from opening further credit card accounts without my permission. I had to dispute numerous fraudulent charges against me committed by the suspect in XXXX California. I filed a XXXX XXXX Police report on XX/XX/XXXX and gave copies to some merchants or credit card companies along with my driver license and personal information in order to prove my real identity. I also gave the police report to Experian and other personal information in order to place a 7-Year Fraud Alert and Security Freeze. Experian refused to assist me and refused to place a 7-Year Fraud Alert based on my request. I requested Experian for the XXXX Fraud Alert because I do NOT want the suspect to steal my identity for the next 7 years and continue the crime of theft. Experian refused to assist me and ask for more personal documents. I already sent Experian the copy of my driver license, my social security card, my DMV bill and property tax bill verifying my true identity. Experian refused to assist my request. I would like Experian to be fully investigated and would like to know why it still requesting more personal documents. I need help and Experian refused to assist me after I reported being a victim of identity theft. I disputed the fraudulent charges against me because I never lived in XXXX California. The suspect committed these crimes of theft in XXXX California and provided a false or fake southern California address in XXXX, California. I ONLY live in XXXX XXXX since XX/XX/XXXX and NEVER in XXXX California such as XXXX, California.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My date of birth is wrong on my credit information and it is not allowing me to use my credit or get my credit report. I have sent a comment email to annualcreditreport.com but I dont know if they can do anything. How do I get this fixed immediately? How will this continue to affect my 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 2022-07-21
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX Balance : {$1100.00}

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 2020-10-06
Company: Asset Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to contact JH portfolio to get verication of debt and have yet to receive any information from them. I tried for months to contact them but via phone and could never get anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I subscribe to Experian and on XXXX I received an email from them notifying me that my credit score had decreased to XXXX from XXXX or XXXX points. The agent I spoke with said it was for high revolving credit usage. I saw this on my credit report and it concerns me. My XXXX credit card record shows that this account is paid in full every month and that I have never had to pay any interest on this account. They have this information since they do keep a credit file on me. My bill was due on the XXXX of XXXX for about {$500.00} but I paid the complete balance of {$730.00} earlier on XXXX which is what I do every month. 
Since they have the information of my payment history with this one and only credit card account that I have why would they be so quick to use a term such as high revolving credit usage to drop my score XXXX points? They do n't react as fast to raise a score. Since their credit scoring formulas assume so much in determining scores why would they not assume that I am going to pay in full on or before the due date as I always have in the past. XXXX assumes this because they have raised my credit limit on this card from {$500.00} to {$2500.00} in just the last few months. I want my score left alone when there is really no activity deeming my score be decreased. I think they should be fined when they make this kind of stupid unwarranted decision.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: LA
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 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-09-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I filed a Chapter XXXX XX/XX/XXXX-the bankruptcy was paid in full and closed XX/XX/XXXX. HSBC-XXXX/Mortgage services has been over my mortgage since XX/XX/XXXX when my house was purchased. According to the credit reports on file-XXXX, XXXX and XXXX, my mortgage has been paid in full. I have been paying my mortgage each month with no response from HSBC. I have not received any statements showing they have been receiving the money or any statement indicating this account has been paid in full. Please let me know if you can help me get my mortgage information from HSBC. The address for the bank where I have been sending my payments is : HSBC Mortgage Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX my Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I have made a research on how to remove the fraudulent accounts 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 accounts 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 is the list of accounts which do not belong to me or were opened without my permission ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX N.A. ) XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : WFS ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2015-11-19
Company: First Data Corporation
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have a Health Savings Account ( HSA ) with a local bank. Sometime early in the year the bank was sold to another regional bank. I had always paid for my prescription drugs with a check from the Health Savings Account. Since the change to the new bank XXXX of the local drug stores - XXXX and XXXX will now not accept my check from my HSA. At issue is Tele-Check Services which both of them use to validate checks. I talked with the agent from Tele-Check who said that they did not accept checks from HSA accounts. I have used an HSA account for over 5 years before writing checks for prescriptions, doctor visits, etc. Once my bank was bought they returned a few checks and I paid both since they were written on the previous bank check. The bank said that is no issue because they still honored the old check and the account or bank routing had not changed. I am mystified why these drug stores would use a check validation system that is so clueless about HSA accounts. TeleCheck even tried to say it was a XXXX drug company problem. I knew that was not true because they denied it at XXXX also. I am responsible for funding my own HSA so I ended up having to put the cost of medicine ( not cheap ) on my personal credit card which defeats the purpose of having a tax free HSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and BMW FINANCIAL SERVICES with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate collections account on my Transunion credit report. FTC ID Theft report # 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 2015-10-14
Company: Empowerment Ventures, LLC
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
RushCard was to perform maintenance on Monday from XXXX to XXXX Today is Wednesday and I still can not access my account. When you try and reach customer service the line rings and rings. My direct deposit was supposed to post and I have not received my funds. This seems to be affecting XXXX people and there is no correct communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted multiple disputes with Experian regarding acct identifier : XXXX. This acct was closed in XXXX and was Paid in Full on XXXX. With every dispute the status of the acct got worse culminating in XXXX when this fully paid and closed acct showed up with an Open - Collection status which caused me to be denied for credit by XXXX ( inquiry on XXXX XXXX, XXXX ) due to " recent or current delinquency ''. Experian finally corrected the status of the acct to Paid, Closed but NOT the Payment History where it shows a " C '' mark for XXXX meaning the account is still in collection. This is contrary to the acct status of paid, closed. I called XXXX XXXX who insisted they report correctly. As it stands now, I ca n't even file an online dispute with Experian. I do n't know the reason and it is not stated when they reject me from filing a dispute. I also called Experian who blamed it on XXXX. I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that Experian is at fault for willful negligence in not removing the Collection mark for the month of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation