BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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:
These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in XXXX separate re-investigation requests to Equifax for the following inaccurate accounts : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, Equifax has ignored my requests, which is my right under the FCRA. XXXX XXXX XXXX  has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts. I have disputed these alleged accounts with Equifax, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
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 called in XX/XX/2023 to ask the company when my payment due date was the guy told me over the phone that the account was open on the XXXX so I had 30 days to make a payment, Yesterday morning I get an alert from XXXX saying that my score dropped XXXX points and that my credit usage had went up 36 % although I did use the card I was alerted of a payment due date so I assumed it was on the XXXX I called the company the lady told me that when i signed yup they gave me a XXXX I did not see that the XXXX or the XXXX was my due date so my account got reported as 36 % credit usage which I wouldve paid before the XXXX or XXXX had I been informed whenever I called I would like my scores to go back up 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 explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For several months, I have been blocked in trying to obtain my annual credit report from Experian. I have tried to have this fixed through multiple calls to Experian. They have not taken the time to look into this issue. I have spent multiple hours on the phone with them with no success. I not only can not obtain my free online credit report bay can not dispute online and am having issues with lenders and potential banks due to them not being able to identify me through Experian. 

This issue has been going on for months and and I feel that it is my right to be able to obtain my actual credit report as mandated by law, Currently, I have having issues opening accounts and can not prequalify for a mortgage due to some block that Experian has on my file. My credit report is unlocked and there is no fraud alert in place. 

Thank you, 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 2022-03-10
Company: Experian Information Solutions Inc.
State: MO
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 accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 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 explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: AZ
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 am concerned about the validity and accuracy of the recent investigation done by the XXXX and Experian..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

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 2022-03-10
Company: EQUIFAX, INC.
State: VA
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:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Convergent Resources, 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:
XXXX, I had identity theft and told XXXX what happened because everything was done online and my social security card, birth certificate and my D.L was stolen and somebody bought phones and lines in my name so I told XXXX and filled out there claim and they contacted me back and said we investigated and we are dropping this, however I have cleaned up my credit and even settled for less for things that are not mine and than XXXX shows up 3 years later saying I owe them XXXX which I thought was taken care of, so now there is a 3 month old bill that is really 3 years ago so it looks really bad on my report. I explained to XXXX 3 times and they keep saying is its denied because XXXX says its validated. I contacted XXXX and they said they were investigating but I don't trust anybody anymore I need this deleted or I will settle for less just to clear this but the date is not right. It docent take 3 years to put a report in that should be suspicious to the credit agency. also I need help so that nobody puts anything else on my report I need action taken because I still have inquires that are coming up like 45 and they are incorrect, XXXX, XXXX  and XXXX  said they would take care of these but its not happening. I have worked so hard to get this better, I pay my car almost double payments for 1 year at 28 percent and I need to refinance but I can't and I also have two credit cards that have never been late but I can't apply for new correct, my husband and I are trying to open a business and we can't if we don't get approved because they check credit so please assist me and ask the credit agencies to please properly investigate and take these inquires off. I got a car, they said there would only be 1 ding well there are way more than that and all the new ones except like 3 are not mine because I am scared to apply. I would never apply for XXXX XXXX ever again, or XXXX  or XXXX, these credit cards charge annual fees. Please help me 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 2018-10-06
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Company is asking for over {$1400.00} Payments are 76 days passed due currently. In order to be able to afford my super high {$420.00} a month payments I had to switch car insurance from XXXX to XXXX. It took my entire paycheck to get the insurance switched. I had put in two requests for extensions which I have to put in the requests to even see how much it'll cost me. After submitting requests in order to check the prices on a one month and a two month extension XXXX then blocked me from submitting another request. I'm currently waiting on a payday loan to go through to pay for an extension. I want XXXX to drop my late fee charges due to hardship and want to be able to aquire a two month extension for {$250.00} in order to allow me to pay ahead. As I stated in a previous complaint I recently got custody of my XXXX year old daughter and I'm trying to get caught up financially. I was out of work for two months and am now a licensed health insurance agent with a decent job. If XXXX cant do this I want there to be a way to re-negotiate what I pay every month to lower it so I can get the car to good financial standing and not have this issue again. That car is my only means of transportation to and from work. Its also the transportation for my daughter to see her dad. I'm doing everything I can to get things back to where they need to be. If my dreams were to come true XXXX would put the total of what's due and passed due at the back of my loan and allow me to start fresh from 0 days passed due. Dreams dont come true though. My request for a two month extension at {$250.00} and all current late fees be dropped and my car not be put through the repo process I feel is reasonable. I'm getting on my feet again its just slow. At XXXX years old a repo on my credit would ruin me and I want to be a home owner someday. I know how my payments have been this passed year. I'm ashamed and embarrassed ive been out of work as much as I have. The current position I have is stable and I plan on getting things back on track but I need some assistance. If the car gets taken. I won't be able to work and XXXX wont be able to get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions Inc.
State: LA
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 have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

Experian credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be deletthese companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable.

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 2020-12-04
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/XXXX2020 I purchased XXXX XXXX XXXX used car fr XXXX  XXXX  XXXX XXXX Located XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX SALES PERSON SAID YOU ARE APPROVED CAR LOAN HE SAID HE DON'T KNOW FOR RATE & INTEREST WHEN WE FINALLY FINISHED paper work i find my cr scores was XXXX they charged me 19 % interest i couldn't believe it i said my self when I go home chk my cr score again I come home I checked my self my cr scores was XXXX XXXX  XXXX XXXX XXXX XXXX XXXX i called DEALERSHIP 3 times to fix this problem they didn't do & said anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge or dealing or ever signing any contract and agreement with MIDLAND CREDIT MANAGEMENT who flagged my CRA account as Collections on XX/XX/XXXX 
Source : XXXX XXXX : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$5900.00} I am currently under the status of Civil Relief Act ( SCRA ), 50 U.S.C. 3952 AB 3212 and will have to work with the MILITARY SUPPORT DEPARTMENT of XXXX, where you have no jurisdiction as a third-party vendor to flag my CRA accounts XXXX I have already sent all creditors certified mail and cced all CRA bureau. Have whomever you are collecting debt for contact me directly as a ServiceMember under uniform code 50 U.S.C. 3952 AB 3212.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit score dropped 15 points with no explanation other than reported positive notes. No new inquiries, debts, public comments, missed payments etc. 

Unable to speak with anyone regarding specific report. After calling 5 or more numbers I spoke with someone at Experian. She was unable to provide me with information as to why it dropped. The agent advised me to call XXXX who again could only tell me general information on reporting, nothing specific to me or what information I didnt already have access to. 

For a score that can dictate your livelihood, it should be very clear the reason your score dropped with data/facts as to why to support it not an algorithm! Furthermore, someone at the company should be able to address these concerns, review, and correct immediately if its an error.

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 2020-06-13
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Renewed my homeowner 's insurance 20 days prior to the expiration date. Sent a fax copy of the policy to the company on XX/XX/2020. I received a letter from XXXX XXXX  saying the end of XX/XX/2020 saying my insurance was expired and they were going to purchase insurance for the property XXXX XXXX XXXX XXXX XXXX. I called the insurance department and talk with a staff member who was very rude. I requested to talk with a manager who stated that they had not received my renewal. I confirmed the fax number XXXX the same as I had. I told the manager I was current on my insurance and will re-fax with the address, loan number and my name. I re-faxed and had gotten confirmation a second time. On XXXX XXXX I Received an insurance policy in the male from XXXX XXXX with a letter stating that they had purchase homeowners insurance for my property. I went to the XXXX office and had XXXX re-faxed with a confirmation. I addition, XXXX XXXX stated the had opened up an illegal escrow account in my name and has increased my mortgage payment. I had fought XXXX XXXX  with your help last year to discontinue my escrow account considering they had not paid my taxes and insurance 2 consecutive years with last year finding out I had no insurance on my property XX/XX/2020 as they over padded my escrow account and did not pay my homeowners insurance after receiving payment billing from XXXX. I request to close my escrow account and was told I had to pay 1 of the mortgage. I then seek your help in closing the account. They did return my balance IN my escrow account with some threatening words. This company constantly intimidate its clients. I know they got my faxed 2 and denied it. I sent a third time and is requesting you take a look at this company. I have several friends who have this mortgage company and is having similar problems. I have gotten a lot of harassment from this company since they have taken over my mortgage 4 years ago. This is the company that I requested to close out my escrow account initially when they bought out my mortgage and on several occasions thereafter with the answer been each time I had to pay them 1 % of my mortgage to have that done because they own my escrow account and not me. My request at that time was made verbally via phone and in writing. I had to seek government assistance last year to have my escrow account close out without paying 1 % of my mortgage a fee to have its closeout. Now they have decided to reopen my escrow account illegally and have purchased homeowners ' insurance and charge it to me. I would like this account to be a close and illegal increase in my mortgage payment stop. I will be paying the amount I pay monthly for my mortgage and not a dollar more over that for an illegal escrow account. I am not going to absorb the cost of that second insurance.

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 2017-06-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'am currently in the process of obtaining a home loan and I am experiencing allot of trouble with getting info regarding my credit report for Equifax. I 've sent over my personal info such as driver license, social security, pay stub, and XXXX forms to show documentation showing that I'am who I'am. I 've spoken with reps at there office numerous times and also had my info faxed over as of recent. I faxed over that info on X/XX/17, and sent overnight on X/XX/17. I was told that after I did this I could gain access to credit report. Now I am being told that it will take another 30 days to investigate and made corrections, I was mislead to believe that i would get info in shorter time after i was told i would have access to my report. There saying that there i'sent anything on my file when i do have credit and my mortgage company has other 2 credit reports from the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report 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 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
my personal information has been compromised due to XXXX  data breach. I notice multiple accounts showing on my credit profile I never opened

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