BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: CO
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:
This account is with XXXX XXXX XXXX, it is outdated and out of the statute of limitations to report this debt. I have ask the credit bureaus and the creditor to remove this tradeline due to this inaccuracy.

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 2022-02-17
Company: Experian Information Solutions Inc.
State: AZ
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 opened an Experian dispute for my XXXX account balance not being reported correctly. The creditor was not honest during the dispute investigation and has refused to update my account balance with Experian for over XXXX days. The creditor has been reporting the wrong account balance for several months since the loan was awarded in late XX/XX/XXXX. According to my online account information, I have a zero balance. Because, of the last payment received by the creditor in late XX/XX/XXXX in the amount of {$3500.00}.

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 2022-07-13
Company: Platinum Holdings Group, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT Dear CCS Collections, I demand that you cease and desist all attempts to contact me. I have not provided a permissible purpose for CCS Collections to correspond with me. You have violated multiple provisions that you are required to adhere to under the FDCPA. This act was created to protect my rights as a consumer from companies like yours. I have not provided my wet ink signature to you or XXXX for this alleged debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. I have not signed a legal binding contract with XXXX or CCS Collections. I HAVE NO KNOWLEDGE OF THIS ALLEGED DEBT I DONT OWE YOU ANYTHING! I have contacted the Attorney General, CFPB, and the XXXX XXXX XXXX to inform them of your unfair, abusive, and deceptive debt collection practices. I DISPUTE THE ENTIRE AMOUNT OF THIS ALLEGED DEBT.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 years.

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 2023-03-25
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:
In accordance with the Fair Credit Reporting act XXXX 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 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL, XXXX XX/XX/2023 Notice to Correct Credit Report 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 U.S.C. 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I am writing to dispute incorrect information in my credit profile, which you furnished to credit reporting agencies. I am not happy with the way your company is handling my consumer report. I have disputed and reached out numerous times with no resolution. I was trying to get an apartment and realized I had damages on my credit report. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy, there should not be any damages on my report. It is defamation to my character and is fraudulent. These items must be removed due to the fact that the incorrect information that is being reported is hindering me from succeeding in society. If items are not deleted IMMEDIATELY I will continue to pursue the matter and contact my states local Attorney Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The current class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. I have also filed a complaint with my states attorney general in regards to the settlement. I originally requested relief in XX/XX/XXXX but didnt receive.

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 2018-10-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2018 I had opened a Credit Card Account with Citi Card. In which they have deducted {$200.00} dollars from my Checking Account with XXXX  XXXX XXXX. 
I have received the credit card, with the {$200.00} limit, for the amount I paid them to place on my credit card credit limit. 
I used the card, and made around 3 or 4 transactions only. ( small ) I tried to place the card information on my XXXX under XXXX wallet so I contacted them, and the recording asked me to verify the information, which I did. The Representative asked me for my phone number and my name, I gave that to her. Then she asked me for a landline number, I informed her I did not have a landline, but I gave her my husbands number. 
They told me they were not able to verify my information based on this information, and it turned it into a Fraud Alert. I asked the customer service rep in the fraud department, if I could verify my information in any other way? by my social or any other way, she said no, that they would have to verify my account in this way, and they would be sending me a letter. I asked to speak with a Supervisor, and she informed me the same thing. Now my card is locked, I am not able to pay the bill or use it, I finally was able to pay my bill on XX/XX/2018, I contacted the credit card company on XXXX XXXX when my bill was due, and they told me until I receive the letter, they were not able to do anything on my account. I finally received 2 of the same letters on XX/XX/2018, and they both said the same thing. The said to contact the company because my account was being placed on a fraud alert. It did not give me any indication other than to contact the company and I did, and on the same day XX/XX/2018, I contacted the Citi Card Company, and informed me that I was supposed to receive another letter with a code on it, and I informed them, that I had not, I spoke to someone named XXXX   ( supervisor ) I asked for the Corporate Number, but she told me that she was not allowed to give me Corporates number. I told her that I needed to contact them, and I wanted to suspend this account. Again she said that there was nothing she could do to verify my information and I would have to wait on this particular letter. 
I am very fustrated about this whole ordeal, I believe Fraud on their part is happening. 
I would like to report 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 2023-03-25
Company: EQUIFAX, INC.
State: VA
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:
According to current law, medical debt under {$500.00} should not appear on an individuals credit report. XXXX XXXX has a collection entry on my credit report with Equifax for {$180.00}. I notified Equifax of this error and their response was that it was corrected but all they did was change some information and left the collection. I called them to appeal the decision but was told that nothing could be done. I have been damaged by credit decisions based on this error including denial of credit. Please fine them and send me restitution. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$220.00}

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 2018-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a XXXX payment on complete accident. I called on XX/XX/XXXXand asked for it to be returned. I even made XXXX $ to cover the minimum payment. They finally said they would do it and took my DDA info over phone. I was very unclear on the expected timeframe. I called today XX/XX/XXXX and they said it was declined. I talked to a " manager '' XXXX  ID XXXX. Who was incompetent and clewrly not well trained. He could not tell me why my request was declined. All he could REPEAT was to wait for the letter. I can't believe you don't have to software to tell me why or see the letter. I filed a formal complaint with him. This CFPB Complaint and will be faxing. I demand the money that is mine to be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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 am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified an erroneous account that is negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate this account and make the necessary updates to ensure that my credit report is accurate. The listed accounts is erroneous and should be removed from my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX and I were traveling home and attempted to make payments on the mortgage before XXXX to avoid a 30-day late negative on our credit report. We have documentation where we paid the mortgage past due amount on XX/XX/ but was operating on PST time. We were not aware this time difference would cause our mortgage to be 30 days late. I am XXXX and have just recently finished XXXX school. We have previous conversations with Freedom Mortgage about options to get a forbearance. XXXX and I was able to make the payment ON Freedom Mortgage 's website when we were able to receive service at the XXXX XXXX ON XX/XX/ from our bank that was released from our bank on XXXX The time on my phone shows the payment was made at XXXX EST and XXXX PST ( while the location was in PST ). Due to the confusion regarding timelines in which payments are posted, our credit has taken a significant hit. We were planning on refinancing later or taking out a HELOC but will no longer be able to do this due to the negative reporting of 30 days late. May there be a review of our account and a one time exception to not have this payment considered late? We have documentation of our travel, time of actual payment and payment releasing from our bank account. Thank you for this consideration.

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 2018-11-19
Company: FC HoldCo LLC
State: PA
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:
Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report. 



XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX  - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX  - XX/XX/2017 XXXX XXXX - XX/XX/2017

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am submitting this complain for you to correct the inaccurate accounts on my credit file which are unknown to me. Please investigate about this matter and have actions about this. Kindly correct also the accuracy of my account. XXXX and Transunion credit bureaus are required to authenticate this account. These are thew following accounts that are needs to be corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00}.

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 2022-07-13
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The complete accounting requested in my CFPB complaint # XXXX THAT did not include any interest THEREFORE WAS INACCURATE AT THE TIME IT WAS DISCLOSED TO ME ON XX/XX/XXXX, ALLEGEDLY. I am requesting a COMPLETE ACCOUNTING OF ALL OF THE LOANS INCLUDING INTEREST ACCRUALS. 

I HAVE BEEN REQUESTING THIS INFORMATION FOR ALMOST 9 MONTHS NOW. I WAS RECENTLY INFORMED THAT THE INFORMATION MAILED TO ME DID NOT INCLUDE ANY OF THE INTEREST FROM XXXX TO XXXX. THEREFORE THE DOCUMENTATION AND ACCOUNTING SENT IN THE XXXX REQUEST WAS NEVER FULFILLED OR AIDVANTAGE IS COMMITTING FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Southwest Credit Systems, L.P.
State: MD
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:
Hello. I got the credit alert that I have negative report by SWC.

I never opened any SWC or XXXX   account.

So I called XXXX  and SWC ( southwest credit system ).

SWC they couldnt find any of my info. even I let them know my full SSN ( They asked me ) Of course they dont have the record. I never owed money.

" looks like Mixed-record " thats what they said.

I checked SWC company reviews and reviewers are saying they never delete the record. ( even its not mine )

Company response to consumer: Closed with explanation