BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: IL
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, the following accounts/account numbers have violated my rights : XXXX. XXXX 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 US DEPARTMENT OF EDU Account # : XXXX XXXX. US DEPARTMENT OF EDU Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-07-18
Company: Siwell Inc
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed on a home on XX/XX/. Loan servicing was transferred to Capital Mortgage Services of Texas. First payment was dueXX/XX/2023. Made the payment XX/XX/2023. XX/XX/2023, I received a letter from XXXX XXXX ( New servicer ) that they had acquired my loan on XX/XX/2023. Law states that Capital Mortgage has 60 days from transfer of servicing to forward my payment to XXXX XXXX. 
On XX/XX/, I made my second mortgage payment ( first to XXXX XXXX ) for my XXXX payment. I have called Capital Mortgage of Texas 4 times now and have been told they are transferring the payment to XXXX XXXX. Each time I was told they would be emailing me proof of transfer. I have not received anything from them regarding this issue. We are now past 60 days and XXXX XXXX has stated they have not received the payment from Capital mortgage of Texas. I can not get an answer from Capital mortgage as to where my money is at. XXXX XXXX is filing a missing money case in regards to this but I can not get any correspondence from capital mortgage about when or if the money was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: SYNCHRONY FINANCIAL
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 with the fair credit Reporting act SYNCB/LOWES XXXXXXXX has violated my rights. 

15USC 1681 section602 States I have the right to privacy.

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

15USC 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.

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 2023-03-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I submitted a previous complaint XXXX regarding ALLY BANK treating my account suspiciously. 

ALLY BANK on decided to close my account on XX/XX/2023. It sent a short email stating such and no other information on how my funds are to be returned to me, how long the return of funds is expected to take, etc. 

Their ONLY communication : " We closed your Money Market Savings Account ending in XXXX '' I think, as a professional courtesy, this should be included in any communication to unilaterally close my account. During this period, they are still a trustee of my funds and should act accordingly.

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 2023-10-09
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I informed the agent that the debt was paid and not owed. And need the account removed from my report and i was told that they don't remove anything from the report but i could pay additional money and they would tell the report agency that it was paid in full.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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. 


XXXX XXXX XXXX  XXXX - {$180.00} - has violated my rights. 

XXXX XXXX XXXX - {$680.00} - has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX - {$78.00} -has violated my rights. 

XXXX XXXX XXXX XXXX XXXX - {$4000.00} - has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} -has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} - has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 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 2023-09-14
Company: EQUIFAX, INC.
State: NY
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:
I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2023-10-30
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/2021.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 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 XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$7800.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-10-30
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: Personal information incorrect

Complaint:
I have several inaccurate and inconsistencies on my credit report. TransUnion, XXXX, and XXXX have been contacted via phone and mail about any and all errors on my reports but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my XXXXXXXX XXXX report provided by XXXX and my credit report from TransUnion, A dispute response from XXXX. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

XXXX Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX but there are 2 extra addresses on my report. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
My account Balance are inaccurate and inconsistent. TransUnion and XXXX are the same, but XXXX is different. 
My payment history is missing payments on all my accounts. 
My report has XXXX XXXX XXXX accounts that don't belong to me. One for XXXX and XXXX. 

XXXX Report : My payment history is missing payments on all my accounts. 
My report has an inquiry from XXXX that I didn't authorize. 

TransUnion Report : My payment history is missing payments on all my reporting accounts. 
My report has an inquiry from XXXX  XXXX XXXX thatvI didn't authorize. 
My report has XXXX XXXX cards that don't belong to me. One for XXXX and 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 2022-12-21
Company: Experian Information Solutions 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:
I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, XXXX, Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 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 explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$1300.00}

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 2023-10-30
Company: EQUIFAX, INC.
State: IN
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:
XXXX asked all XXXX credit bureaus to all inquiries from my credit report because I did not give any written authorization for any company to run my credit report list above. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have a right to privacy under the FCRA Law.

Company response to consumer: In progress
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX I didnt give Consent to these. Ive even called these places. 

Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there

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 2023-10-11
Company: Patient Accounting Service Center
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/23 I was contacted at XXXX XXXX about an account listed with AR Strat at a dollar value of about {$420.00} for services from XXXX I had previously received a call from them on XX/XX/ at approximately XXXXXXXX XXXX, which I ignored, as I did not recognize the number. I XXXX searched the number and it was from AR Strat, a debt collection agency. I then reached out to XXXX XXXX to confirm that my account was active with them and in good standing. They confirmed that it was and said they would reach out to AR Strat to make sure that my account was canceled back to XXXX XXXX. I asked for mailed evidence that the error had been corrected, which I never received. However, I have received a paper statement from XXXX XXXX confirming that my account is active with them and the amount of {$50.00} per month was being paid. I have received no mail from AR Strat and have disputed the charge and requested evidence of their error and proof it has been corrected. I called AR Strat back at around XXXX on XX/XX/ to confirm that they had sent the account back to XXXX XXXX. They had no notes showing any contact with their client, XXXX XXXX. I reached out to XXXX XXXX, and they confirmed again that my account was with them and in good standing. I am currently waiting for a call from their XXXX XXXX employee as well as their CFO. In the meantime, I reached back out to AR Strat to gather more information and speak with their Compliance Officer about the error. They told me they do not have a Compliance Officer on staff, at which point I informed them I would be making a complaint to the CFPB as they have no employee tasked with compliance oversight currently. They said that they had duplicated my account during a system update and had two identical accounts in their system with my information attached. One that had been canceled back and one that was active in their system. This is completely unacceptable ; I am not able to afford to pay double on any bill and would not pay twice even if I could afford it. I would have been financially injured had I not known the debt was in error and charged it to a credit card or found a way to pay it using loans or by selling personal items. As it stands, I have still had to devote several hours of working time to trying to sort out a mess I have not caused. Were this to credit report I may find myself financially crippled for years to come. 
I have been told that their operations manager was unavailable but was given the name XXXX XXXX at XXXX to leave a message for as well. I left a message for her at approximately XXXXXXXX XXXX on XX/XX/ informing her of the issues and my reaching out with a complaint to the CFPB. 
Attached to this complaint please find photos of my most recent statement from XXXX XXXX.

Company response to consumer: Closed with explanation