BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried tried to unlock and unfreeze my credit file since XX/XX/XXXX. I have talked to 28 customer service representatives and my file is still locked and I can not make my purchase. I have almost 14 hours on the phone and I still do not have my file unlocked to make my purchase. This is insane.

The XXXX XXXX people do not know what they are doing and apparently Equifax doesnt either I would be in this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Green Trust Cash, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I tried to work with green trust cash on a balance owed by stating I could pay less. After I stated this and revoked all ACH authorization green trust cash then stated that they would take my money out anyways and they would have me arrested. This was the conversation over the phone on XX/XX/XXXX. Today XX/XX/XXXX I emailed green trust again asking for a reduced amount of payments and they  responded with a copy of the contract showing interest of 700 % which is illegal in the state of Alabama. By good faith i was going to pay this back but now they have threatened jail time to me and stating I will have to pay more than I borrowed cause it will charge me each day. I am afraid this company is going to get into my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: RI
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 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: ID
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:
This a second request. I have accounts on my credit that don't belong to me. Someone is using my name. I never filed bankruptcy either. Please remove it immediately. I am not a credit repair company and I sent you my personal documents to prove that it's me.

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 2022-10-20
Company: EQUIFAX, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX, Account Number # XXXX, Account Name : XXXX, XXXX, Account Number # XXXX, Account Name : XXXX  XXXX XXXX XXXX, Account Number # XXXX, Account Name : N/A, Account Number # XXXX, Account Name : N/A, Account Number # XXXX, Account Name : N/A, Account Number # XXXX and Account Name : N/A and Account Number # 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SW CRDT SYS account with a balance of {$500.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. .If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX capital one with all major bureau in violation police reported with ID theft gov violation of my rights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In reguesting my 3 free credit reports because my credit information has been affected by the XXXX data breach, TransUnion had denied my reguest stating I have obtained a free report within the last 12 months. I have not made a reguest for my 3 credit reports since XXXX/XXXX/XXXX. My reguest was made and denied on XXXX/XXXX/XXXX from TransUnion. My concern is that someone else had made a reguest and received my credit report from TransUnion. I want to freeze my credit reporting from this agency but fear it may be too late.

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 2022-05-03
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: MA
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:
Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc. 

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all

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 2022-05-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX has violated my rights. 

DEPT OF EDXXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX  IN XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX has violated my rights XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights DPT EDXXXX XXXX has violated my rights 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 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 vears.

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 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc. 

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all

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 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is XXXX XXXX XXXX account that are NOT mine, XXXX was open X/2016. This needs to be removed it is fraud and again NOT MINE

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 2022-03-01
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 am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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 2019-09-06
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My properties Hazard insurance ( policy number XXXX ) for the period XX/XX/XXXX thru XX/XX/XXXX for the amount of {$3800.00} was paid by my mortgage company, Ditech, in the form of 2 checks to the insurance company in the amounts of {$140.00}. on XX/XX/XXXX and {$3700.00} on XX/XX/XXXX. I have those check numbers from documentation from insurance company if needed. On XX/XX/XXXX I was charged {$320.00} for what was labeled Earthquake Insurance disbursement. I was  again charged {$100.00} monthly in XX/XX/XXXX thru XX/XX/XXXX. I was charged {$100.00} in XX/XX/XXXX and {$100.00} in XX/XX/XXXX. It took me 6 months starting in XX/XX/XXXX to get the mortgage company to finally admit these Earthquake disbursements I was being accessed was for forced placed insurance. I have never gotten an explanation as to why they started to charge force place insurance when they had paid the hazard insurance on the property. 

When you call customer service to ask a question you are put on hold for up to 45 minutes and then phone generally disconnects before the individual returns with your answer. Also since this company uses foreign call center s for it customer service it is very difficult to understand what they are saying especially when they are reading from a FAQ. They have limited ability to understand what you are trying to convey to them to be able to act on it properly. 

I have asked the mortgage company for a refund on the {$1300.00} they have charged me in forced place insurance when I was in compliance by having hazard insurance on the property. 
I was also charge {$15.00} in XX/XX/XXXX and XX/XX/XXXX, which I still can not get a valid explanation for yet. 

This haggling with them for over a yea to get this resolved has got to stop, please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may 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 explanation
Consumer complaint received 2017-10-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My XXXX XXXX XXXX XXXX XXXX XXXX issued XXXX XXXX ending in XXXX was closed by the issuer at their discretion in XX/XX/XXXX due to security concerns. The company confirmed the account closure in a letter to me dated XX/XX/XXXX. However charges for {$34.00} appeared eight months later on XX/XX/XXXX and the issuer allowed them to go through despite closing the account. The issuer added late fees and minimum fees to my account after this and then contacted me for payment. I called the issuer on XX/XX/XXXX and also logged into the website to discover the issuer had not closed the account and there was an available balance. I do not trust XXXX despite its letter to have closed my account and wish the department to follow up on this case. 

The person I spoke with was : XXXX Identifier XXXX from XXXX Idaho The Issuer is XXXX XXXX  at phone XXXX

Company response to consumer: Closed with explanation