BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: NJ
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 these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX email received about a debt owed and legs action would be taken if not paid. Despite having no loan from the company or any sub company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to bring to your attention an issue related to 15 U.S. Code 1666b. This code stipulates that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted specific measures. 

I have observed that XXXX XXXX XXXX  reported a late payment on my credit report, and I believe this may be in violation of 15 U.S. Code 1666b. The code ensures fair treatment of payments and prevents unjust penalties. 

I kindly request your assistance in investigating this matter and ensuring that XXXX XXXX XXXX  complies with the regulations outlined in 15 U.S. Code 1666b. 

Thank you for your attention to this matter, and I appreciate your efforts in safeguarding consumer rights.

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 2023-12-16
Company: Paramount GR Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Bought a XXXX XXXX from XXXX XXXX. I a loan from XXXX. The system is not performing to what XXXX XXXX said it would. The sell pitch was that the system would be designed so that I would not have to pay XXXX for power and maybe get a refund for power that I created. Now the company has closed their doors and I will have no way of getting my system fixed. I am also now paying on the loan for the system and XXXX for a system that is not working right.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX Fst XXXX : # XXXX XXXX XXXX Bank XXXX : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX 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 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 reporting 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-12-22
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXalance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX XXXX  XXXX Owed : {$680.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$550.00}.

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 2023-04-14
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$3900.00} XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found inquiries on my credit report that do not belong to me

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-06-08
Company: Experian Information Solutions Inc.
State: TN
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:
Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile.

Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile.

Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received funds from the XXXX in XX/XX/2020 deposited into CapitolOne Bank. Today, 5 months later ; CapitolOne decided to close my account and threaten to return funds due to a suspected fraudulent deposit from XXXX. They did not offer me the option to prove that the transaction is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Caliber Home Loans, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing a complaint in regards to Caliber Home loans and their management of my escrow account. It is absolutely inexcusable that I have lost my homeowners insurance policy because they failed to mail the check from escrow account in time to be cashed by my insurance agency. Then I am being asked to spend my own money to cover the period in which I am uninsured? What is the point of an escrow account! I have made EVERY mortgage payment on time and should not be dealing with the leg work of sloppy mortgage companies. When I called Caliber to attempt to resolve this issue myself they were incredibly unhelpful and did nothing to make me reassured that I was a valued costumer and that my home was important to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Experian Information Solutions Inc.
State: GA
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:
thre are several fraudulent collections accounts showing onb my report for services ive never recieved ive requested validation per fcra sec 609 and have not recieved anyting within the alloted time per fcra 611 these collections are not from services recieved by me and are hindering me from living a full fruitfull life please assist me in this matter thanks

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 2023-09-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complain is in regard to my previous complaint with XXXX XXXX XXXX XXXXXXXX I was just notified by my credit report that as of XX/XX/2023, XXXX, once again, reported to my credit report : " foreclosure proceedings started. {$7400.00} past due as of XX/XX/2023 ''. As of late XXXX, I began the reapply with loss mitigation for a 6-month deferment. As of XXXX, my application was accepted and currently under review. I have all documentation to prove my case. I contacted XXXX XXXX XXXX  and submitted them documentation of my case and they have suspended foreclosure proceedings, and they assure me that they notify XXXX. I have documentation to prove my case. I called loss mitigation in XXXX and they assure me that all foreclosure proceedings have been suspending due to my application being under review. While being review, XXXX continues to report to my credit history, false reports about the status of my account and reported an XXXX late payment. I have documentation to support my case. If this does not stop or continues false reports that continues to affect my credit report, I will seek legal action. I have attached the email from the foreclosure law firm stating their suspension as well as the letters by XXXX stating that my application had commence in XXXX and being reviewed in 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 2023-04-21
Company: EQUIFAX, INC.
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: LA
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 decided to get my credit pulled due to a couple of bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$300.00} XXXX   XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX   XXXX XXXX XXXX {$920.00} XXXX  XXXX XXXX  XXXX {$750.00}

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 2020-05-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX Comenity Bank is harassing me regarding a small credit balance that I owe. I am currently not working and informed them of this. We are going through a COVID 19 pandemic as well and they are calling me from several different numbers and Unknown. The calls are coming in at least 20 times a day over and over. It is very stressful and they are not trying to work with me during this time. 

They have gone added extremely high fees to my account and added it to my credit report. They are commenting and different fees to my credit report every week. 
This is causing so much stress and XXXX. I can't take this harassment anymore and I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit inquiries on my credit report are not mine, inaccurate information is being reported on my credit report and XXXX, Transunion and XXXX have all neglected and refused to remove false information being reported under my name. Someone else whom I am unaware of has used my information without my permission and knowledge. I have also contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX directly as advised by the credit bureau and also the companies themselves have made it impossible to get the fraudulent information removed 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