BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This is a problem with XXXX, XXXX, and Equifax, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX XXXX ( copyrighted ) service. These companies refuse to acknowledge the function that " XXXX '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " XXXX XXXX '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the XXXX 's with a fax machine, they need to educate themselves in modern-day 21st century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " XXXX '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your XXXX balance due is ... ... XXXX + XXXX XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX  XXXX Balance : {$17000.00}, Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/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 2023-05-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last 4 of SSN : XXXX I have recently took a look at my credit file and was furious on what I saw and how my rights were violated. I have reached out directly to experian to remove these late payments. However I been getting the run around on how this is verified or accurate! 

Experian in Direct Violation of The Fair Credit Reporting Act ( DEPT OF EDUCATIONXXXX, ACCOUNT NUMBER : XXXX ), they violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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. 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. Remove these late payments and update this account immediately as you are in direct violation of several laws under 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 2023-05-18
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2020-11-04
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my mortgage with XXXX XXXX  in XX/XX/2020 and received notice that was mailed on XX/XX/XXXX on or about XX/XX/XXXX that my loan was being transferred to LoanCare LLC on XX/XX/XXXX. I provided my payment to them using the loan number for LoanCare on the notice XXXX provided. A week later it is still not posted and when I called LoanCare today to check on a number of items I was disconnected after talking to 3 different people. 

Not only am I concerned about my payment but I am in the middle of a refinance on this loan and my property taxes are due in XXXX. 

The first person I spoke with was not helpful as she stated it could take 10 days to find my account or to be loaded and I was extremely upset since this mess is not of my making. I asked to speak to a manager, she put my on hold then put me back into the main queue. I went through the prompts again which is difficult since they do not recognize the loan number I was given or my social and the person who picked up also said she had to transfer me to another area because it wasnt her area. I told her that was not acceptable and wanted to speak to a manager so she put me on hold and put on someone names XXXX who again tried to pull up by my social and loan number and when she couldnt the phone went silent. 

I should not have this diffculty confirming they received my payment, my taxes are being paid and get a payoff for my refinance. These delays could cost me my rate and additional cost on my refinance.

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 2023-10-04
Company: LEXISNEXIS
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis was asked to provide proof of documentation of my Bankruptcy file that their reporting to XXXX as being verified. I sent this letter out as of XX/XX/XXXX. As XX/XX/XXXX I have received the response from XXXX stating and I " Quote '' You are requesting to have the disputed items corrected or deleted from your report. At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review on XX/XX/XXXX and XX/XX/XXXX. Now I've reached out to the Bankruptcy Court house and in my the letter and they clearly states that and I " Quote '' they said ( other than a response to a specific request like the one you have made, the Court does not send files, or otherwise provide any information about any debtor to anyone! ) end " Quote ''. I'm the debtor and the courts clearly stated they don't share any information with anyone not XXXX, XXXX, XXXX or third parties period. So how can LexisNexis verify this information? IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER THEREFORE, YOU INTTIAL RESPONSE VERIFYING THE ITME WITH THE COURTS WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C 16811 ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 1. 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 U.S.C 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I WILL FILE THIS AS FRAUDULENT WITHOUT KNOWLEDGE OR CONSENT. you have bluntly lied and confirmed this has been verified by a phone call but no proof!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$710.00}, XXXX XXXXXXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$24000.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX {$12000.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$2100.00}, XXXX XXXX # XXXX {$1400.00} 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 2021-07-28
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:
Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-12-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The servicing of my mortgage was recently transferred from XXXX XXXX to Select Portfolio Services on XX/XX/XXXX. While at XXXX XXXX, I was in an active COVID XXXX forbearance program that began in XX/XX/XXXX and it was still active when my loan was transferred in XX/XX/XXXX, however, the new servicing provider, Select Portfolio Services, has not recognized my forbearance status and thus reported me as being 180 days late on my mortgage. I now have civil damages. My XXXX XXXX just dropped XXXX points while I was seeking loans to help cover costs for losses generated during the pandemic. This is not right and it should be considered criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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:
I received letter from Experian stating they have started investigating my compliant and if the companies doesn't responded within a timely 30 days manner the I would need to call the companies and arrange for the incorrect information to be removed. I told them that I never had XXXX XXXX  Account, nor do I have any credit cards in my name or in my possession. Soon after I reported the information with Experian and read their response. I then received on XX/XX/2023 a Notice of data breach. Seems to me everytime I try to dispute or challenge my credit report data. I get letters such as notice of data breach or my identity has been stolen. Is this a tactic on the part of the credit bureau. I also requested a copy of my credit report from all 3 bureaus and I only received Experian. I personally called all three bureaus to resolved these inquiries and to remove any information that was not accurate. Any they had the nerve to want me to pay them to remove my information off the dark web.

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 2021-08-17
Company: Bread Financial Holdings, Inc.
State: MN
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: Problem with personal statement of dispute

Complaint:
We had taken a loan for a XXXX issue at XXXX office for treatment. At the time of opening the account, no information was provided with regard to the account number, monthly payment amount due etc. And we also didnt receive any information via mail. 

By them the first mail arrived, a late fee had already been assessed, we tried reaching out to the bank but they refuse to accept their mistake. I strongly believe that no party is at fault here but myself as the consumer is facing a remark on the credit report. They are using their undue influence to affect my life negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2021-05-05
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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 information incorrect

Complaint:
First of all, I demand that XXXX and your credit reporting agency cease and desist this account. Secondly, Ive never owned an account with XXXX XXXX XXXX and you know this. Next I need to know how you verified this alleged account and balance. Then, I need documentation of me agreeing to this alleged debt. I need the agreement that grants you the right to collect this alleged debt. I need a copy of your license including license number. 

I want everything that I have asked you for in this letter within the next 10 days. 

You can not have me with a collection and an open account with a balance according to the FCRA.

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 2023-05-19
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: Was not notified of investigation status or results

Complaint:
I disputed inaccurate information on my credit report and Equifax refused to accurately investigate while sending correspondences back stating everything was accurate. 

TRACKING # XXXX XXXX XXXX XXXX Not only does this account ( XXXX ) remain inaccurate, However EQUIFAX failed to mark notice of dispute on my credit report.

Company response to consumer: Closed with non-monetary relief