BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: IL
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was incapacitated due to XXXX  then while in hospital XXXX was discover. My XXXX credit card despite multiple attempts to enroll online and by my spouse via phone was never enrolled in protection. Account was referred to GC Services XXXX and they sent letter in XX/XX/2022 and I spoke to them via phone on 3 ocassions. Each time i spoke with them they did not disclose any covid relief and stated there is no covid protection since account is past dow and demanded full balance which is now thousands of dollars higher due to interest and penalties.The last conversation I recorded and agent again states their is no program to protect someone who was in XXXX  due XXXX.XXXX  stated they can not bring account back to them without GS services authorization to enroll in program and GS services will not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We had XXXX we were out of work, Flagstar offer a forbearance program. Now we are well and able to pay, they are not offering a repayment plan. They want {$11.00}, XXXX paid in cash or they are going to foreclose. Everything online says they are supposed to modify our loan, they say that is not an option. They are not giving us any options.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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:
These accounts they've reported on my consumer profile were incorrect and I demand for the elimination of these items as soon as possible. 

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 2022-04-21
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # inquiry date/ name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX inquiry date/name XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX XXXX XXXX XXXX inquiry date/name ; XXXX  XXXX XXXX  XXXX XXXX inquiry date/name XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not have any written or signed document that states I have an account with this company, Portfolio Recovery for {$620.00}. This is invalidly reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since XXXX of 2023 I have been trying to get in accurate information removed from my credit report. I even noticed inquiries on my report that I did not recognize and told every representative I spoke to and nothing. For over 3 months I did not hear a thing. Whenever I call the automation software could not verify my information and would constantly end the call. After a month I finally got through to a representative and she herself could not verify my information. She repeatedly told me information that should be correct about myself were inaccurate. Which then she escalated the call to a supervisor, who also had a hard time verifying me but finally succeeded. Upon succeeding I decided to login to my account and it states that I have limited use of the website due to verification issues. I then would call repeatedly and almost weekly to attempt to remove these discrepancies and update the information on my report. To no avail I get the same repeated script from every single representative. It has now reached 6 months of no progress. I know each call is recorded so the proof is also in our conversations.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 2022-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
On XX/XX/2022, Portfolio Recovery added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2022-10-16
Company: EQUIFAX, INC.
State: NC
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:
XXXX is reporting a charged off account with errors again. As you will see with the attached file, XXXX is reporting three errors again. 1. XXXX is reporting to equifax that I have Available Credit remaining, 2. The creditor classification is missing again!, 3. The account designator is missing. 

The fair Credit reporting act says XXXX must be fair, complete, and accurate in reporting a bad debt to the credit bureaus. 

XXXX has been warned multiple times for this and it has been over 30 days with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Here is the problem I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.I pulled my credit report from XXXX XXXX On XXXX I mailed a certified letter to all 3 credit bureaus, XXXX, TransUnion and XXXX. 30 days after they received that letters they did not update or delete the accounts. On XXXX I sent another certified letter to all 3 bureaus again asking them to do another reinvestigation on the same accounts and again the accounts were not updated or deleted. 

Here is a copy of the original letter I sent out on XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX, XXXX and Trans Union XXXX  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX  # XXXX XXXX ) Date of Last activity : Transunion reported date XXXX, XXXX reports date XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX XXXX XXXXXXXX XXXX ) Date of Last Activity : TransUnion reports XXXX XXXX reported XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX XXXX XXXX 1 ) Date Of Last Activity : TransUnion reports XXXX XXXX reports XXXX Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




Sincerely yours, 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 2022-10-16
Company: EQUIFAX, INC.
State: MI
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 XXXXand XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated rights . 15 U.S.C 1682 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. and according to 15 U.S.C 1681 A3 medical bill should not be reported to my credit report. Section 2 ; It also states a consumer reporting agency can not furnish an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: EQUIFAX, INC.
State: NC
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 was part of both company data breaches when XXXX  system was compromised and this past year I was notified via email of the issue. I went from having 12 Inquiries that I have valid accounts for to 49 and some are done in the same day multiple times and some in the span of 3 days. I have not done the 49 inquiries. I called Equifax multiple times for help to rectify the situation and to no avail I am still in the same spot, they told me to call each creditor which I attempted to do with 5 of them but i have the same result they have no knowledge or information showing I applied and to call Equifiax back this has been on going and it just seems as if Equifax does not want to help when their system compromised my information. I have provided the inquiries below and before they send a definition of what a hard inquire is I know very well a factual record but its not factual if somebody is using your information. So I have a Security freeze on my reports now.

Below are the following inquiries : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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 status incorrect

Complaint:
XXXX, XX/XX/XXXX Good afternoon, I initially purchased an XXXX home theater system, a XXXX protection plan, and a XXXX spin XXXX on XX/XX/XXXX. The total for all three was {$320.00}. I paid {$30.00} as a down payment and an additional {$26.00} that was required. The remaining balance was {$270.00}. 

Below are the dates and dollar amounts that I paid XXXXXXXX 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} _________________________ TOTAL : {$630.00} The original amount was {$320.00}, and I have paid a TOTAL of {$630.00}. I reached out to XXXX on XX/XX/XXXX regarding proof of payment history. Almost an hour later I received an automated response stating they had received my concern regarding my account. They also stated that they would refer my issue to the correct department for handling. No response pertaining to the issue at hand. 

I reached out to XXXX regarding XXXX different concerns. In XXXX, the first issue I received feedback within XXXX days, and in XXXX, I received a response within a matter of minutes. 
My credit file shows the status CREDIT LINE CLOSED/NOT PAYING AS AGREED, shows the last payment as {$0.00}, start date XX/XX/XXXX, and closed date XX/XX/XXXX. 

My credit file should show the status as ACCOUNT CLOSED/PAID IN FULL AMOUNT, start date XX/XX/XXXX, & show the last payment as XX/XX/XXXX - {$150.00}. This is all documented with emails that were sent by XXXX confirming payment. 



Warm regards, 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXX XXXX Ar XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ar XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, phone # XXXX XXXX and 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 2022-12-28
Company: GL Financial, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had a car contract with XXXX XXXX XXXX which required a cash down payment of {$3500.00} on XX/XX/2021. This is a violation of 15 USC 1662 ( B ) and also the contract does not have any disclosure for my right to rescind which is a violation of 15 USC 1635. XXXX XXXX XXXX sold the contract to XXXX. Financial without my consent. G. L. Financial has harassed my family and use aggressive tactics threatening to seize or take my vehicle this is a direct violation of 15 USC 1692 E ( 4 ) as to a threat is fraud and illegal in the collection of any debts this is a right secured to me by this code herein and the XXXX amendment of the US constitution. 

When I attempted to verify the debt, with G.L. Financial had a lawyer 's office, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, respond back using a scare tactic to get me to back off verifying the debt which is a direct violation of 15 USC 1692 E ( 3 ) with using false and deceptive means of communication. I have enclosed exhibits for proof of all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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:
On XX/XX/2022, there were several collection accounts disputed and deleted from my credit report and my debt and credit usage greatly decreased. However, Experian credit bureau investigated but did not update my credit score according to the improvement of my credit file.

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