BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
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: Investigation took more than 30 days

Complaint:
XXXX, EXPERIAN, AND XXXX ALL HAVE BEEN NOTIFIED ABOUT THE INACCURACY OF MY CREDIT PROFILE IN XX/XX/XXXX, AND I HAVE YET TO HEAR BACK FROM EITHER AGENCY. THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY FAILING TO REPLY WITHIN 30 DAYS. I AM ASKING TO REMOVE THE INACCURATE ACCOUNTS OR PROVIDE DOCUMENTATION. I OWE NO DEBT TO ANY OF THESE COLLECTORS. LEGAL ACTION WILL FOLLOW. PLEASE REMOVE THE FOLLOWING ACCOUNTS ACCOUNTS : XXXX XXXX XXXX Opened XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$6600.00} XXXX XXXX XXXX Opened XXXX {$6700.00} XXXX PLEASE FOLLOW SUIT AND ALSO REMOVE THE FOLLOWING ACCOUNT AS THIS REPORTS TO NEITHER EXPERIAN NOR XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT XX/XX/XXXX Opened XXXX {$650.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Affirm Holdings, Inc
State: PA
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 am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX  days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Snap Recovery, Inc.
State: NY
Product: Credit reporting 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:
On XX/XX/2023, I received notification from XXXXXXXX XXXX informing me that a derogatory mark had been placed on my credit by Snap Debt Recovery. I have no knowledge of the basis for this mark or why it was posted without proper information. On XX/XX/2023, I initiated contact with Snap Debt Recovery and expressed my lack of awareness regarding any outstanding debt or claims against me. Despite attempts, including my letter dated XX/XX/2023, I have not received any correspondence or verification from Snap Debt Recovery as required by the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g et al, specifically sub section ( b ).

I am requesting that Snap Debt Recovery provide the following information to substantiate the validity of the claim being made : The name and address of the original creditor, The account number and the amount owed. 
Verification of a valid basis for claiming that I am required to pay the current amount owed. 
The total debt amount, along with information on when it was sent to collections. 
Details on the method the creditor used to attempt debt resolution before collection. 
The amount of interest accrued since the debt was sent to collection. 
Any additional fees and charges associated with the debt. 
I also want to invoke my right, pursuant to 15 USC 1692d 806, to cease and desist all calls and direct contact with me immediately, as outlined in the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am puzzled that the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 

Prove to me that the inclusion of this inquiry complies with this federal law, or remove them now. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/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 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 ( Original Creditor : 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 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 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my report and I have seen numerous inquires that I didn't authorize.. Tried calling the company and they have no record of it. I called credit bureaus and they failed to help me by keep stating the company can only 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 2020-12-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS has repeatedly denied mortgage workouts following a 90 forbearance offered on my conventional private investor [ XXXX XXXX ] owned mortgage loan. They have been unwilling to offer anything other than short sale. We have significant equity in home and feel that the servicer and lender know that any foreclosure sale would bail them out, thus no incentive to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 : XXXX 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 the blocking of the erroneous information that 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 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 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 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 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 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 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 XXXX business days after the date of receipt.

Company response to consumer: In progress
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Made a dispute with Transunion on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received XXXX did not apply the payment which l received back a closing since l sold the property to get rid of XXXX due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to XXXX. l have made over 40 phone calls to XXXX asked for accounting of my account and 3 " investigations ''. I have never received a call or any letters from XXXX. l am disabled and am on additional XXXX XXXX XXXX and now on XXXX XXXX  due to the months of stress. I made a payment and XXXX never applied it and Transunion is showing maximum delinquency which is incorrect. l did my part of making a payment the most the Transunion should show is 30 day late payment however there should be no delinquency since XXXX advised me not to make a payment. The property closed on XX/XX/XXXX and XXXX  was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: MO
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:
It has come to my attention that there are multiple addresses associated with my credit history that are inaccurate and should be removed immediately. I demand that all addresses, except the following legitimate and current address, be expunged from my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information contained in my credit report is accurate, fair, and substantiated. Section 1681i ( a ) of the FCRA mandates that credit reporting agencies investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving a written dispute.

Accordingly, I am formally disputing the inclusion of any addresses on my credit report that differ from the aforementioned address. Please take immediate action to rectify this discrepancy by removing all incorrect addresses associated with my credit history. 

Failure to comply with this request within the legally mandated timeframe would be a clear violation of the FCRA. I want to emphasize that the inclusion of inaccurate address information on my credit report can have detrimental effects on my financial standing, including the possibility of impacting my ability to secure credit, obtain loans, or establish favorable financial relationships. 

ATTACHED IS A COPY OF MY MOST RECENT ELECTRIC BILL, A PHOTO COPY OF MY PASSPORT AND BIRTH CERTIFICATE

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 2022-04-21
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:
The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-20
Company: EQUIFAX, 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 realize I had damages on my report as I was trying to get a new car and a new house. According to the U.S.C. 1681 Law there should not be any damages on my report, it a defamation to my character. I tried to dispute all inaccurate information and fraudulent information, nothing has changed and its holding me back from doing the things I need to get done. I even tried to contact the all credit bureaus, that also didnt change anything. I have been sending disputes since XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion Credit Bureau ( file # XXXX ) is reporting an inquiry with XXXX which is fraudulent. Date of inquiry was XXXX XX/XX/2021 for XXXX  located XXXX XXXX XXXX XXXX, XXXX, Ga XXXX ( XXXX. I had placed both an identity theft and fraud alert with all three credit bureaus but yet somehow someone was still able to apply for a credit card with XXXX 

I am requesting assistance from FTC to help me get this fraudulent inquiry resolved and removed from my credit report as it relates to Transunion Credit Bureau ( only ). They are the only credit bureau agency that is reporting this inquiry.

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 2020-12-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This issue occurred at XXXX XXXX in XXXX XXXX, Florida. On XX/XX/2020 I purchased a new mattress in-store for {$5100.00}. I inquired about available financing offers and the sales associate informed me there was currently a limited time offer for 60 months with no interest. I agreed to these terms and the sales associate proceeded with the application process on the computer in-store. she encountered difficulty with the application process and required assistance from her manager who completed the application over the phone with synchrony bank. I was again assured by the manager that the promotional offer was for 60 months and no interest. My application was approved and the purchase was completed. I was never asked to sign any forms or financial disclosure agreements. I received copies of the purchase receipt and invoice just before exiting the store. 

My mattress was delivered without any issue. Upon receiving my first invoice from synchrony bank I discovered that the promotion I was signed up for was for 60 months variable interest with an initial interest rate of 9.99 % for the 1st 5 years and 29.99 % after if the balance was not paid off. I contacted XXXX XXXX again on XX/XX/2020 and was informed that the only interest free/deferred interest financing they currently offer is for 12 months. I was told that if I wanted to cancel the order and return the XXXX I would need to pay the {$130.00} re-stocking fee. The manager informed me that this situation has happened quite a few times where customers are told the promotion is 60 months no interest, and they find out later that its actually for a variable interest rate. The manager offered to submit a request to transfer my promotion from the current 60 months over to the 12 months no interest. I agreed that this would be my preferred recourse considering the situation as I did not wish to pay interest or a re-stocking fee. I was told that the change would take at least 1 billing cycle and that any incurred interest would be applied back towards the original principal.

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 monetary relief
Consumer complaint received 2021-05-10
Company: Experian Information Solutions 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:
In the past few months I was shopping for a loan to buy a vehicle. When I went to find out why my FICO score had dropped by over 40 points at Experian, the website showed the amount of new credit as being 'FAIR ' because these inquires. They were : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Of these financial institutions I only used one for a loan XXXX XXXX Lending, which was paid off within two weeks. 
When I called Experian on XX/XX/XXXX I was on the phone for an hour and never got an explanation on why this was a negative affect on my FICO score. They sent me from one department to another. Their explanation was that each Credit Bureau had their own method of creating a FICO or Credit score. They told me to get a third party to intervene. I told the Experian representative that the algorithm used by Experian was their problem and that they had the responsibility to explain how this effected me negatively and fix the issue. 
I find this to be intrusive upon my ability to SHOP for the best Interest Rates and length of a loan without being penalized. No one should be subjected to this disparity just because off an inquiry. If I had taken loans with each of these financial institutions, then I could understand it affecting my FICO and Credit Scores. I was also told that there was no way to have this information removed for two years. That is unacceptable. Now I have excellent credit, but what about other people who are struggling to get a loan and are also doing multiple inquires. NO ONE SHOULD BE EFFECT THIS WAY.

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 2023-06-27
Company: Experian Information Solutions 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 the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681c section 602 ( 4 ).

1 ) Acct # XXXX XXXX  Total Card, XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX. Acct # XXXX. US Bankruptcy XXXX Has violated my rights. 15 U.S.C. 1681c Section 602 ( A ) states I have the right to privacy.

15 U.S C. 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

I demand that these accounts be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 ( Original Creditor : 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 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : 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 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