BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  Inquired on XX/XX/2020 I Tried To Get A Apartment From This Guys

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 2022-08-24
Company: Credit Fresh Holdings Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I sent an email to the company on XX/XX/XXXX revoking authorization of automatic debit payment from my checking account. They once again drafted another payment of over {$200.00} from my checking account on XX/XX/XXXX. I sent another email on XX/XX/XXXX demanding them to cease automatic debits from my account and to reverse the previous payment. I have not received a response nor have they reversed the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the XXXX at the state of California at the end of XX/XX/XXXX and ever since I lived in the state of California. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Public record information inaccurate

Complaint:
I applied for the XXXX XXXX XXXX Credit card on XXXX  XX/XX/2022 through XXXX XXXX. On my transunion credit report it is showing 3 inquires when I only applied 1 time. I contacted Transunion and they told me to contact the lender to get a deletion letter. I contacted XXXX XXXX  and they said they only show 1 inquiry and that they couldnt help me and told me to contact Transunion to get it removed and when I explained I had already contacted them they told me there was nothing they could do. Can you please help? Transition said I could also have a report from the FTC to get this removed.

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 2022-09-30
Company: EQUIFAX, INC.
State: NC
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 another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items 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 are not 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, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WAS NOT EVEN IN THE COUNTRY AT THE TIME OF THIS TRANSACTION THERE WAS A PRIVATE STUDENT LOAN PUT IN MY NAME FRAUDULENTLY BY A COMPANY IN LOUISIANA INWHICH I NEVER LIVED THE ACCOUNT NUMBER IS XXXX AND THE AMOUNT IS {$12000.00} THE NAME OF THE ACCOUNT is XXXX XXXX XXXX IT DOES NOT BELONG TO ME AND SHOULD BE REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY IT IS IN VIOLATION OF FCRA CODES SECTIONS 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 2022-09-30
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: LoanFlight Lending, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I worked with XXXX XXXX at LoanFlight lending. In XX/XX/2021 he was the loan officer who facilitated the refinance of my primary home loan, from cash-out ( XXXX ) to conventional ( XXXX ). This refinance was only for a rate-change as resulted in no cash-out or extraction of home equity, as a matter of fact I paid closing costs. 

Upon applying for HELOC ( with two different banks ), I was informed that the XX/XX/2021 mortgage was actually processed as a cash-out mortgage ( XXXX ) and not as a rate/term change ( XXXX ) per my request and expectation. As a result, I am unable to access my home equity based on Texas ' property law that allows only one XXXX loan per property. So, I can only leverage my home equity if the mortgage is refinanced at current mortgage rates of XXXX %. 

XXXX, as the representative of the mortgage company ( Loanflight ) states that I was required to specify the loan designation of " XXXX '' for them to process accordingly, otherwise it is processed as the prior loan designation ( XXXX ) - even though is technically a XXXX loan structure. As a fiduciary, Loanflight has accountability to process my loan per my request and expectation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ; XXXXXXXX XXXX XXXX  Account : # 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.

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 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX I made two settlement arrangements to pay off two credit card accounts held by Bank of America. It is important to state that prior to this I was a preferred client for 12 years and was always in good standing, an unfortunate event happened and my husband was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the day after XXXX on XX/XX/XXXX. He was the sole provider as I am XXXX. Long story short, approximately {$1200.00} was paid to each account and when I realized that I would not be able to make the second payment on time I called to speak with an agent who wrote lengthy notes and I was said to be given an extension unfortunately this was not the case, I explained that I was waiting for a friends XXXX to finalize as I had no other means of obtaining a loan on my own. A second payment was taken from me to hold the account, again I had no clue the accounts were charged off. I have pleased and escalated my case as I now have the funds to settle but BOA will not negotiate and deduct what I have already paid into the original settings, they are lowering the original offer amounts by {$120.00} and {$160.00}. They insist that this is working with me, how is this trying to help me, Ive been a loyal customer in good standing for years.I wish to settle these accounts but I need help I have limited funds to do so and without what I already paid it is an impossible task. This is not how you treat people who have made numerous calls to note an account, I was given wrong info as well, I did not deliberately default, where is the common decency of this company. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
on XXXX I sent a letter regarding inaccurate and unknown inquiry on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate this item within 30 days gives a reason to immediately remove this item from my credit report it been over 30 days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the TransUnion data breach and XXXX have got into the hands of the wrong person.

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 2022-12-24
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is followup on complaint # XXXX dated XX/XX/2022 ISSUE : company stated that " Its important to note, the attachment included in your complaint does not include the terms and conditions where this information can be found. '' MY RESPONSE : Yes, that was/is my point - these conditions were absent in the original offer and you are basing your decision on conditions that were added/amended later - compare the footnotes ( attached ) in the original offer and the footnotes of the later offer ( attached ) wherein the footnotes vastly different and clearly amended/updated in the later offer - XXXX ) to XXXX ) and the specific step of verification and other wordings were added much later and was not present in the original offer - therefore they should not be applicable and the offer should be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding LLC is attempting to collect a debt that was fraudulently opened. Original creditor XXXX XXXX XXXX XXXX  has removed trade line due to fraud. Debt was sold to XXXX XXXX XXXX  which then sold to LVNV. Please provide original application showing my signature for debt validation or remove fraudulent trade lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX BANK has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 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 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 2022-08-03
Company: EQUIFAX, 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:
So i sent a letter off on XX/XX/2022. Here is my tracking # XXXX remove personal information that l don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Capio Partners, LLC
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:
On XX/XX/2022 a report was made in the amount {$1400.00}. Due to consumer reporting law 15 US 1681 ( a ) ( 3 ) this action has been deemed unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
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: Personal information incorrect

Complaint:
There is incorrect information on my credit 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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ; XXXXXXXX XXXX Account : # 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.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-03
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$14000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XXXX dollars XXXX dollars, XXXX dollars lots of day they did this but everytime they say sorry our website is not working properly. It was always a excuse. And charge hundreds of dollar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware of this debt. This company has not proven that this debt is in fact mine and just placed on my credit report without proof. Also it is a XXXX violation. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 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/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX  XXXX Balance XXXX {$6200.00} XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} 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