BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NY
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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
Portfolio Recovery Associates LLC -XXXX : This is being reported to my credit file erroneously as I have paid this debt and no longer owe this balance. This needs to be removed from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: DE
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 recently checked my credit report and i am being billed for an transaction that I'm not supposed to be. XXXX XXXX XXXX needs to send the correct bill to the correct party This is listed on my Credit Report as : {$1500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original creditor name XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This leads way to identity theft.

The definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did not provide a company ( company reporting ) with consent to share your credit card ( ID, SSN, etc ) with another entity ( Equifax ) this is a violation of 15 U.S. Code 1681s-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The information is not information relating to any transaction made by the consumer ( me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: OneMain Finance Corporation
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 status incorrect

Complaint:
Because of the Pandemic most of my accounts in my report could not be Pais. I did try to address the accounts but they didn't seem to care or understand what was going on during this time. I have reached out to One Main Financial, XXXX and many other around XX/XX/2020. They took money from me and instead of using that money to go towards the balance they used it towards the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current home mortgage is thorough XXXX sub handled by MyLoanCare. I am currently trying to finish a refinance of my mortgage. All I need it the payoff amount fax or sent to the title company. I have tried for 3 weeks to email and fill out the requests on the MyLoanCare website and I have not received any information or acknowledgement of my request. I have tried to call and there is ZERO ability to talk to a real person. I have tried to call XXXX and they just transfer me to the same automated phone system for MyLoancare and you can not talk to anybody. This should be criminal! They are holding my mortgage hostage while I have to pay a higher interest rate!

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 2023-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive tried multiple attempt to have information on my credit report blocked. Due to collection agencies not following proper protocol pursuant to my right as a consumer involved with Title 15 U.S.C. These companies have not been doing what is fair and equitable to me as a consumer, as my rights have been violated. I have sent dispute letters explaining the issues, and no proper remedies were made. 

Dates I contacted these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax CRA ) XXXX XXXX XXXX For reasons of inaccurate reporting of accounts on my credit file. 

They did respond just not in a timely manner but informing me that all account were accurate but with no proof of any kind shown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Strategic Alliances, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Step 1 : What is this complaint about?

Attempt to collect bogus charges that were not in my Doctors ' agreement. I have attached the formal letter that went to all patients from my Doctor.

Step 2 : What type of problem are you having?

Attempt to collect bogus monies ( {$1200.00} ) for XXXX XXXX ; a company now in bankruptcy. During a call with the collector, I was told that if I don't make payments, they will need to report our debt to one of the three major agencies. I have NEVER seen a bill for these charges, and if I had, I definitely would have addressed it swiftly. I have worked too hard to obtain my FICO score of XXXX. Also, my Doctor sent formal letters to all of her patients informing us of the bad faith practices of XXXX, and that these charges are at no fault to Doctor or their patients. 

Step 3 : What happened?

When I spoke to XXXX XXXX XXXX via telephone, I told them that I would not be making any payments until they send me a Validation Notice to Prove the Debt. As of this date, I have not received that document. However, now that I have been notified by my Doctor, I seriously will not pay the bill due to their underhanded collection practices. 

Step 4 : What company is this complaint about? 

Original Debtor : XXXX XXXX. Company attempting to collect payment : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Step 5 : Who are the people involved? 

XXXX XXXX XXXX and XXXX XXXX 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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 following accounts have violated my federally protected consumer rights and confidentiality under the 15 USC 1681. 

XXXX  Finacial XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, 15 U.S.C 1681 Section 602 A, State I have the right to privacy 15 U.S.C 1681 Section 602 A ( 2 ) 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.

15 U.S.C 15-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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.

And in accordance with the new law put in place with the cares act any accommodation given to a consumer...

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 2019-08-07
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 in an attempt to reduce the amount of interest charges on a current credit card debt I read over a mailer I received for a Discover It Business card offer. The terms and conditions listed that Balance Transfers are offered at 15.24 % APR and a fee of 5 % of the transferred amount followed by the rules/regulations governing balance transfers. Knowing that this cards rates and fees will save my company money in interest charges, I applied online. During a required phone conversation I was approved for the card, at which time I inquired about the Balance Transfer procedure. The representative replied with this card doesnt offer Balance Transfers. Thinking that the rep had made a mistake I informed her that the mailer I received said otherwise. She apologized and said their must be a typing error ... our business card doesnt offer Balance Transfers! Of course I was angered by this, the sole purpose of applying for the card was because of the advertised Balance Transfer options! Not only was I misled by their fraudulent documents, they have placed credit inquiries with XXXX  that will affect my credit score when applying for a card that does offer Balance Transfers. I have canceled the card and simply want Discover to take steps to remove the inquiry from my credit report! To which they have responded that they can not. 

This is false and misleading advertising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: SC
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 following accounts have violated my federally protected consumer rights and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A, State I have the right to privacy 15 U.S.C 1681 Section 602 A ( 2 ) 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.

15 U.S.C 15-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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. 

And in accordance with the new law put in place with the cares act any accommodation given to a consumer...

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 2022-07-26
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$160.00}

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 non-monetary relief
Consumer complaint received 2023-01-07
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX has two accounts posted to my credit report stating they were opened in XXXX, they didn't even show up on my credit report till XXXX though & are definitely purchased old debts that are closed, ( as seen on my reports ) & over 7 years old or more. They are far too old to be on my credit report. The company itself has not reached out to me personally, ( in fact, I wouldn't have known about it if it wasn't for self-credit monitoring ). However, just as with the previous company I reached out to you about, reporting it for dispute with the credit companies, failed. The fact that they have reported it as in their possession for 4 years without payment, even though we never spoke, much less agreed on payments, is just dragging my credit down BAD. I've worked extremely hard to repair it, ( as I believe my recent, factual history shows ), what this company & others like it are doing is just immoral. The first they are reporting is from ; Original creditor : XXXX XXXX XXXX  The Second is from ; Original creditor : XXXX XXXX 

Which brings me to another issue, a second company, MIDLAND FUNDING is also falsely reporting an old debt as opened in XXXX, ( Never received anything from them either ). They are doing the same as the company I mentioned first, lying about the date the account was opened, lying about missing payments & reporting to the three major credit bureaus every month since XX/XX/XXXX. Yet, I've never spoken to anyone! This company also claims to have the same original creditor : XXXX XXXX but with a slightly, VERY slightly different balance. 


So, to review, company one is, Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Phone number : ( XXXX ) XXXX Company two is, Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is all new to me I have not lived at the addresses listed on my credit report. I had my ID stolen in XXXX and I was compromised again when I moved to XXXX XXXX. The following addresses are unknown please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX My name and current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I have never had this many numbers in my life please delete them : ( 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

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 2023-04-20
Company: HUNTINGTON NATIONAL BANK, THE
State: AK
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:
on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. Huntington National Bank states they have no record of it yet they are appearing on my XXXX account. XXXX XXXX  has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2022 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 2022-11-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There are accounts in my report that I don't recognize. I want the information removed and I have already sent out letters for more than 30 days ago. Until now, I did not receive any response and I think the bureau is not taking action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: HW Holding, Inc
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company Hunter Warfield calls nearly every day, twice a day and leaves a robo voice mail that they are calling about a debt. However, when I have answered the phone there is just dead air space. This company does not appear on my credit report.

Company response to consumer: Closed with explanation