BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: ALLY FINANCIAL INC.
State: NC
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:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

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 2017-08-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
InXX/XX/XXXX and XX/XX/XXXX I disputed some erroneous information in my Experian credit report with the company. Both times, the company 's response was so fast it seemed computer generated verses someone actually taking the time to investigate the disputed issue. My mortgage company XXXX XXXX  reported that I was 30 days late to the CRA inXX/XX/XXXX, but after writing them and explaining the situation, they kindly removed the erroneous information off of my XXXX, and XXXX credit reports however, Experian did not remove their data as the other agencies listed did upon completion of the disputed investigation. After speaking to my mortgage company they notified me that they sent out the removal information to the companies however, Experian did not update their system and I needed to contact them directly. I have contacted Experian via phone, and online in regards to this information but they refuse to remove the information which is affecting my personal finances and my current pending VA loan. The only response I got from Experian was an email informing me a few days later that the disputed investigation results had been completed resulting in no change.

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 2017-08-25
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivable Solutions, Inc. # XXXX XXXX XXXX {$510.00} is not my debt and I have requested on several occasions to have this account removed from my XXXX  and XXXX credit report. I DO NOT HAVE A CONTRACT WITH RECEIVABLE SOLUTIONS AND DO NOT OWE XXXX XXXX AND MONIES AND DEMAND  THESE ACCOUNTS BE TAKEN OFF MY REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of Identity Theft. Someone has placed things on my 3 credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all 3 credit bureaus along with multiple attachments as proof. By law, the 3 bureaus had 4 days to block the information relating to the identity theft. Out of the 3, only 1 has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All 3 of these bureaus should have blocked this information immediately and they have not.

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 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
- In accordance with the Fair Credit Reporting act XXXX XXXX, inc # 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 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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2017-08-25
Company: United Debt Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was called twice by XXXX twice on Tuesday, XX/XX/XXXX, 2017. I was called by a man who threatened to sue me. He stated that he was on his way to my house location to handle my situation. He also knew the type of car I drove and said he has a tracker on me and will find me and before he hung up he said " Good luck. '' I know for a fact that is not proper collection policies and definitely violates the telecommunications act. I did some researching and the name of the company is United Debt Holdings. I immediately called their XXXX number to set up payment arrangements to avoid getting sued, but once I did that I realized they tricked me with illegal talk like suing and arresting me. The XXXX number is XXXX and I spoke with a guy name XXXX He took my debit card and set up payment arrangements for a XXXX XXXX XXXX XXXX. Please understand that his definitely violated the collection policy. This is not fair how they are threatening others for a small debt like a phone.

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 2017-08-25
Company: EQUIFAX, INC.
State: SC
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:
Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , FL XXXX ( XXXX ) XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, Equifax and XXXX. 

I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Lendmark Financial Services
State: NC
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:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked XXXX XXXX XXXX to validate a debt they allege that I owe, as it is my right to do so under 15 USC 1692 GXXXX XXXX XXXX has refused to provide the supporting documentation needed for me to properly review the alleged debt. I also have requested they provide me with my wet ink signature on a document that gave them permission to report this information to my consumer report and they have refused to do so at each request which is a direct violation of my privacy as a consumer under 15 USC 1681. They did NOT exercise their grave responsibility, they have been unfair, and were patrial in the matter under 15 USC 1681 a 4.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on Transunion, XXXX and XXXX.
I do not owe this debt and this account does not belongs to me 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 explanation
Consumer complaint received 2017-10-16
Company: One Source Technology
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
shows inaccurate info

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
My social security information was exposed. These three accounts are not mines : XXXX, XXXX, and XXXX. I have attached documents that show I have a new license number and two reports that show where my information was exposed. Someone used my information to oprn these accounts.

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 2022-09-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been trying to change my name since I divorced in 2018. I have provided my decree with restoration of name. I have waited for a particular firm to be sent via us mail and not received it on multiple occasions. They refuse to send via any traceable means. I was instructed to go to a branch and the branch was not allowed to download the form for me. I filed and executive complaint as did the branch on my behalf and was told to wait for the form and this is all they can do. 

I have been with this bank for approximately 40 years and want to go back to my maiden name in which the account was initially established.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22
Company: LEXISNEXIS
State: NV
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:
LexisNexis is reporting for a long time now an accident in my driving record, every time I try to get auto insurance that accident will come up. I called LexisNexis many times and explain that accident is not mine, they are confusing me with my father. My fathers name is XXXX XXXX and my name is XXXX XXXX XXXX, the car my dad had the accident ( XXXX   XXXX XXXX ) is the car Im driving now and every time I try to get insurance that accident will come up. Please help me fix this misunderstanding, thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The problem I have was n't listed, so I choose what I thought to be the closest. My account was paid up, XXXX balance. I made the mistake of not deleting Wells Fargo from my payment calendar and on XX/XX/XXXX made a XXXX payment. When I realized the account had been paid off, I called my credit union to stop the payment but it had already been sent to Wells Fargo. I called Wells Fargo and they said they had n't received it but when they did, it would be credited back to my credit union account, in 5-10 days. On XX/XX/XXXX I still had n't received a credit to my credit union account, so I called WF again and spoke to XXXX in cust service. She said on the day I initally called, they had system problems and the transaction had not been processed and she would submit again. Check would be mailed, account not credited, in 7-10 days, by XX/XX/XXXX. On XX/XX/XXXX I called WF again because I had not received a check. I was told it had not been completely processed but as soon as it happened, the check would be mailed. I asked the man when the processing would be complete and he said he could n't give me a time frame. On XX/XX/XXXX I called again and asked to speak with a supervisor. I was connected to XXXX. He said a check for XXXX was sent to me on XX/XX/XXXX. I told him I never received a check and had no idea where the extra XXXX came from. He said an affidavit would be sent out in the next three days fo me to sign, saying I had n't received a check. Upon sending affidavit back, a check would be issued in 7-10 days. Address was confirmed. Today, XX/XX/XXXX, I called back since I have n't received anything. Asked for a manager and was connected to XXXX. He said no affidavit would be issues for anything under XXXX and that a check had been sent to me and cashed on XX/XX/XXXX for XXXX. He said there was nothing he could do since there was a check cashed and he could n't verify I had n't cashed it. I went back to look at all my deposits from XX/XX/XXXX though today and there is n't a deposit for XXXX, XXXX or from anything other than my pension, SS, deposits from my kids when I babysit my grandkids or when I transfer to checking from savings account. He insinuated I could have cashed the check, for cash and just 'forgot '. I told him if I had done that, I certainly would n't be going through all this for XXXX and informed him I was going to file with FTC. He then connected me to the Executive Office. I spoke with XXXX who has created a case with their investigation dept. Case # XXXX. Agents name is XXXX XXXX. She is suppose to contact me in 4-5 business 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
My social security information was exposed. These three accounts are not mines : XXXX, XXXX, and XXXX. I have attached documents that show I have a new license number and two reports that show where my information was exposed. Someone used my information to oprn these accounts.

Company response to consumer: Closed with explanation