BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: Experian Information Solutions Inc.
State: KS
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 settled a collection account and paid the balance. Then I asked the 3 major credit reporting agencies to updaye the account showing that the balance was paid. However, Experian is insisting the balance is still {$610.00}. I disputed with them and sent them documentation showing the settlement snd payment, but they did not correct the account.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights. 15 USC 1681 section 602 a state I have the right to privacy. 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason

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 2022-09-12
Company: EQUIFAX, INC.
State: VA
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 XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights. 15 USC 1681 section 602 a state I have the right to privacy. 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnishing account without my written in instructions 15 US C166B a creditor May not treat a payment on a credit card account under any open in consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
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  year 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 2016-07-08
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Complaint : XXXXI am rejecting this response because : I have sent a new response via mail to this business. 
The " photos '' do not show the driver of the vehicle as requested in the original request for validation. 
The photo of " Time and Date '' are only clearly legible in XXXX photo. The photo is too small to show any such validation. 
Neither photo shows a location or mile maker of where the car was located on " XXXX XXXX ''. 

The original letters very clearly stated to ONLY contact me AGAIN with the Validiation as REQUESTED which was 1 ) A photo of the driver of the vehicle- which was NOT sent 2 ) A photo with the vehicle located on " XXXX XXXX '' - which was NOT sent My cease and desist was VERY CLEAR- if you could n't provide the validation as REQUESTED then DO NOT CONTACT ME. You absolutely denied my cease and desist request by sending " documentation '' that I DID NOT request. You only sent what you " wanted '' to believe is " validation '' to continue to " pursue '' a debt that has yet to be properly " validated '' Additionally- I never received a bill from XXXX XXXX which appears to be a " known issue '' in consumer reports and ripoff complaints. Sending a piece of paper does n't prove they were actually put in the mail or that I actually received them. There is no way to justify an {$80.00} bill for " claiming '' that someone had traveled on a XXXX XXXX twice. 

" XXXX XXXX '' has been under scrutiny several times and I will NOT partake in the scam. They are known to send people to collections before sending bills and then by the time people are " notified '' theres added " collections fees '' and " attorney 's fees '' and then blame it on " computers '' or people " moving and not updating addresses. '' Well I 've been at the same address for 7 years ... so explain that XXXX. Their cameras are " high tech '' yet their " computers '' XXXX up XXXX of bills ... read the XXXX reviews on XXXX OR the following articles XXXX I can see why " XXXX XXXX '' wants to collect as much as they can and rack on fees when they are {$450.00} XXXX dollars in DEBT XXXX Since the " attorney 's '' at XXXX XXXX and XXXX may be able to read a cease and desist request- they severely lacked the comprehension to understand the request ... and they proceeded to send me " information '' I did NOT request after receiving a cease and desist demand ... 

I 'm tired of being harassed. 
I can provide documentation of my letters requesting the Cease and Desist if my validation documents COULD NOT be sent as requested. 



Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: VA
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 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 non-monetary relief
Consumer complaint received 2022-09-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX 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.

The account was also paid in full.

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 2022-04-14
Company: SYNCHRONY FINANCIAL
State: NY
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:
These companies are not authorized by me to run the credit. do not authorize these inquiries on 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 2020-04-03
Company: Experian Information Solutions Inc.
State: AZ
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove all inquiries which I listed in identity Theft report.

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 2015-12-18
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continued calls, they will not leave a message, No one there if I call back. I had to search the internet to see who they are. I do not know of any debt that I have that is outstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Experian Information Solutions Inc.
State: DC
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:
Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requested m y credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y credit score.

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 2016-02-04
Company: Linebarger Goggan Blair & Sampson LLP
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail from Linebarger Goggan Blair & Sampson , LLP claiming I owe {$97.00} to XXXX XXXX XXXX XXXX. First of all my name is not correct, and secondly I have not lived at the listed address of XXXX XXXX XXXX XXXX XXXX in eight years. That being said I have never recieved written correspondence regarding any debt owed to this so called " XXXX XXXX XXXX XXXX. '' and I dispute any validity to this claim as this supposed " collection firm '' is nothing more than a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
i never received a call, email or letter in the mail stating that i owed anything. I 'm an amateur in understanding credit and just recently looked at my credit report for the first time and do n't understant anything. But i saw a debt of collection on my credit report. so my question is, how do you pay off a debt and how would i know if its the only debt i need to pay?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
someone applied for a credit card via Bank of America, using my name, address and social security number, but not my email address I did not apply for this card I was notified about this by XXXX through XXXX XXXX which monitors my credit reports I spoke to XXXX, they reported it as fraudulent and I spoke to Bank of America, they cancelled the application and marked it as fraudulent as well It was advised that I report this through FTC.gov and got directed from there to CFPB

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 2022-09-12
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:
My name is XXXX 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: National Bureau of Collections, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they are calling regarding a debt my son owed from XXXX  ... .THIRTY THREE YEARS AGO - i have repeatedly told them I do not know where my son is, TO LEAVE ME THE XXXX ALONE but they continue harrassing me- calling both of my 2 numbers.. 
PLEASE MAKE THEM STOP HARRASSING ME OVER A DEBT OF MY ADULT SON FROM 33 XXXX  YEARS AGO!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$3500.00}

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 2016-07-25
Company: Shellpoint Partners, LLC
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
None of the above choices fits my actual situation. 
I have a personal unsecured loan of $ XXXX that is currently paid down to {$11000.00}. Payments are approx. $ XXXX/mo. and continue for another 11 1/2 yrs. The account is current. Shellpoint Mortgage Servicing in XXXX, TX is the monthly collection firm on behalf of their investor client..who I was once told was XXXX XXXX XXXX. XXXX but have no confirmation. 
Because of a health issue and my age, I made a written offer in XXXX, 2016 to Shellpoint Mort. Serv. to pay off the balance at a reduced amount. I was told this offer was forwarded to their investor client for a decision. 
It has now been four months without the courtesy of any reply whatsoever on this cash offer. I continue to follow up with the representative at Shellpoint ( and later his Supervisor as well ) to get a response and am always told it is beyond their control and the decision rests with their investor client. They never provide any details on their follow up efforts after my phone calls nor do they ever keep me informed of any efforts on their part to get a resolution from their investor client. 
I 'm sick of the constant delay to respond to my letter and offer and my recent follow up phone calls. There is no excuse for not replying in four months. 
Your help in getting the matter resolved is very much appreciated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery is reporting on my credit reports a debt they say I owe of {$430.00}. After two letters asking them to validate this account with viable evidence, bearing my signature that this account is mine, they have not complied and repeat saying the debt is mine. I requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them and they ca n't come up with any documents. Furthermore, I have requested they make this account disputed on my credit reports but they have not ( copy attached ). If they can not validate this debt then it is a violation of the Fair Debt Collection Practices Act and they must delete all reporting of this account to all credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of Identity theft and experian has not removed any items on my credit report and it has been well over 30 days.

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