BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
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 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

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 2021-11-17
Company: EQUIFAX, INC.
State: NJ
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:
Someone seems to have access to my personal information and is trying to ruin my credit. In XXXX of 2021, a debt from XXXX XXXX appeared on my credit with a balance of {$260.00}, this debt has no account number, just a po box and a phone number. I made several calls to them and spoke with a young lady by the name of XXXX. I have been unsuccessful in rectifying this problem. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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

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 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
About seven month ago XX/XX/2019. I purchase a sectional from XXXX XXXX XXXX in XXXX Florida, I did my financing through the company they used called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid my loan on time every month and made the decision to pay it off in full before the time allowed. I made my last payment in XXXX of 2019. I applied to my mortgage company to refinance my home, they informed me that I had an open account with XXXX XXXX for {$1900.00} reporting to Trans Union with a balance of {$420.00}. 
I contacted XXXX XXXX on the XXXX of XXXX of this year and spoke to three different supervisors by the names of XXXX, XXXX and XXXX all at different times in an effort to have this error corrected. Nothing has been done to date. I asked to speak to a manager and was told they did not have one for me to speak to they can only send a ticket to the manager to address the matter. I find it troubling that no manager is available at this company to address consumer complaint.

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 2016-12-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an issue with my XXXX XXXX XXXX checking account a while back my card was stolen and used and I was blamed for it leaving me owing the bank XXXX I argued but lost and eventually paid off the XXXX ( do n't have recipt ) to have my account in good standing same for my XXXX account I owed {$38.00} due to over draft fee 's but recently paid it off ( have receipt ), however when I when to open a checking account at XXXX XXXX I was unable to do so due to my Chex Systems report saying that I still owe this money both banks but they were both in fact paid in full. I was told that sometimes Chex systems fails to updated, so I am just hoping to have my reports brought up to date.

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 2019-10-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
An account was opened with US bank on XX/XX/2019 without my knowledge and fraudulently opened under my name. I have tried several times to explain to US bank that i did not opened that account but US bank keep trying to collect a overdrawn charges on that account even thoe that account was closed with my complain.why should i pay for the crime that i did not commit.please help me to resolve this problem.thank u.

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 2020-09-10
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:
XXXX XXXX is fraudulent on my credit Account on XXXX  and Transunion

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 2020-06-09
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:
I'M A VICTIM OF IDENTITY THEFT

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 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX have contacted Experian XXXX, And XXXX reporting and sending proof that XXXX a victim of identity theft Including but not limited to a official filed police Report a Theft affidavit Copy of FCRA 605B making all consumer reporting agencies aware of the violations they may have coming their way if this is not cleared ASAP!

Experian failed to Remove the Fraudulent account 1XXXX XXXX Finance 3 XXXX XXXX Experian claim I did not provide a dl or identity theft report but I indeed did 3 -4 months ago Experian have failed to protect my consumer rights and did not Remove those fraudulent accounts or fraudulent addresses below even after sending in a complete filed police report and proof of address and DL Also Experian failed to make my credit report available to me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( fraudulent address ) Experian Did not Remove XXXX FAILED TO MAKE MY CREDIT REPORT AVAILABLE WHICH IS CONSIDERED a violation Im seeking for damages in federal court XXXX : Failed to make my personal credit report available as well as reporting inaccurate information on my credit report account listed below NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX FAILED TO REMOVE THOSE FRAUDULENT ACCOUNTS AFTER ME SENDING A COMPLETE FILED POLICE REPORT AND THEFT AFFIDAVIT FOR THE FRAUD THAT OCCURED THESE ACCOUNTS NEED TO BE REMOVED ASAP AS IM NOT FILING A FEDERAL LAWSUIT AGAINST THESE COMPANIES AND WILL BE SEEKING FUNDS FOR FAILING TO PROTECT MY CONSUMER RIGHTS AND FOR THE VIOLATIONS THEY HAVE VIOLATED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : MEDICAL ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: ERC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting numerous calls which my phone tells me is from XXXX WA. I get a recorded message that tell me it is about debt collection and it gives me XXXX phone numbers to call : XXXX and XXXX. It tells me to refer to case number XXXX. I know this is fictitious because I have no debts. I have not called the number because I think this is a scam. The incessant calls are annoying. I am supposed to be on the " do not call '' list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
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:
I have requested these accounts to be deleted as they aren't mine in the past but they are still on there. Please remove them.

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 2019-12-12
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I searched on line for Bank offering bonus to open checking account and Key Bank was offering {$300.00}. I tried to open on line using codes XXXX, expired, then XXXX which said I would have to go Bank to process. I did that XX/XX/2019. Spoke to XXXX XXXX. I asked her if I met qualifications for the bonus, and she said " yes ''. Since opening the account I have checked my balance regularly hoping to see the bonus amount. I checked in with the customer service around XX/XX/XXXX and they said it COULD take up to 90 days. On XX/XX/XXXX, I called customer service and they advised me that my account was NOT opened with a bonus offer!!! On XX/XX/XXXX, I went to the bank, spoke to XXXX XXXX, he said there was nothing he could do but would let XXXX ( the manager ) know. I expressed my disappointment, said this sounded like a bait and switch, and the bonus was why I was opening the account. I also said that I liked the friendliness of the people there. I told him I was going to do all I could to fix this. He, very non shalontly ( sp ), said basically nothing could be done. So, I left. I intend to try to speak with XXXX, but I left my number with him for her and haven't heard from her. If this isn't fixed, I have to say their advertising online is deceiving and fraudulent. It should be changed if not true. I am anxiously awaiting for your response and I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, XXXX a XXXX account number XXXX XXXX XXXX bank had been re-inserted onto my credit as a negative item. XXXX is required to notify me within XXXX days of re-inserting a previously updated item. I did not receive any such notification. I am asking that this item please be updated immediately on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the fair credit reporting act Experian, XXXX, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section a states I have the right to privacy. 
Delete these addresses they do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 a letter from XXXX XXXX XXXX XXXX was mailed to me with a claim that I owed a total of {$2900.00} for a Citibank credit card that I have never owned. 

I contacted XXXX XXXX XXXX on Thursday, XX/XX/2020 to dispute the charge and was informed that I should contact Citibank directly because that is where the account originated. 

I contacted Citibank on Monday, XX/XX/XXXX to trace the alleged credit account and was informed that there was no record of me having an account. 

Please inform me of next steps! 
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 2016-05-05
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company ( ERC XXXX XXXX XXXX, XXXX FL XXXX ) has threatened my credit rating, by assigning this debt to me without any proof, and no prior notice. This is not my debt. This is just an illegal attempt or scam to see if I would pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2016 I paid the REMAINING BALANCE of my mortgage in FULL via XXXX check in the amount of {$1.00}. 
On XXXX/XXXX/2016, " XXXX '' informed me my payoff could not be applied to my account until a {$41.00} recording fee was paid. 
On XXXX/XXXX/2016 the {$41.00} recording fee was paid via XXXX check. 
Today, XXXX/XXXX/2016 I have received a late fee of XXXX for the {$1.00} remaining balance because XXXX XXXX/ '' XXXX '' never applied my payment to my account ( violation of FCRA ). 
My {$41.00} recording fee was never applied to my account either ( violation of FCRA ). 
My loan has failed to be reported as PAID IN FULL to ME or the credit bureaus ( violation of FCRA ). 
It is almost XXXX and BSI continues to sit on my payments instead of applying them in hopes of squeezing out late fees from consumers ( violation of FCRA ). 
Today, I called BSI and refused to get off the phone until I had emailed proof of application of payments. " XXXX, # XXXX '' and " XXXX, # XXXX '' hung up on me on two different occasions as I sat in front of my computer waiting to receive this " promised '' email. 
I finally received a " payment history '' from XXXX XXXX, however the payments still show as unapplied! 

BSI has a long history of refusing to apply payments and charging late fees to consumers, not to mention daily harassing phone calls ( 3-5 per day ) starting the XXXX of each month when consumers have a grace period until the XXXX! 

When will someone DO SOMETHING about the XXXX and XXXX caused by this company on honest, hardworking, PAYING consumers like me!!!!!???? 


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 2020-06-09
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: Their investigation did not fix an error on your report

Complaint:
I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.

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 2016-12-08
Company: Nationwide Debt Management Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I obtained a loan thru XXXX XXXX for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as Nationwide Debt Management. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following Friday. However, the agent ( XXXX XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am XXXX from all these calls demanding payment. No consumer should have to be treated this way. 

Sincerely -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation