BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
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 finished paying my car noteLast year XXXXXXXX XXXX XXXX XXXX however sometime before that, in XXXX XXXX XXXX XXXX, about a month before i made my finalpayment, XXXX XXXX XXXX ( XXXX ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from XXXX ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done. 
I recall talking to XXXX team several times in XXXX XXXX  about why my creditreport is showing more balance than it should. A team member informed me that XXXX is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. XXXX XXXX, there still was no correction yet. ( I assumed XXXX was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, XXXX will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, XXXX  quickly reported that late payment to the bureau. 
Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever. 

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my 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 explanation
Consumer complaint received 2023-06-05
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Affirm reopened my dispute after I filed a dispute with you all. The recently closed it after trying to contact the same merchant I was unsuccessful in reaching. I expressed to them I uploaded supporting documentation to show no tracking, no history of shipments, no evidence of any kind for the item. After a month of them trying they tell me they are sorry but its not they can do but advises me to keep trying to call them something they could not make successful and something I've been doing for over a yr now. This is unjust that these companies are allowed to place anything on your credit without true evidence. You'd think they would want to also protect their loans/investment but I guess not please help me get justice for this this is soooooo unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: GA
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 filed a dispute for accounts that does not belong to me XX/XX/2012 for accounts from XXXX XXXX and XXXX XXXX XXXX which does not belong to me they have not responded and its been over 31 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance XXXX {$0.00} US DEPT ED XXXX Balance : {$2800.00} Date Opened : XX/XX/2011 US DEPT ED XXXX Balance XXXX {$640.00} Date Opened : XX/XX/2011 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$6900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Since XX/XX/2021 Contacted FSA in regards to forgery with my loan illegal transfer as well. I was told I am under federal loan. 
I was informed by FSA they would not entertain assistance, if I was not federal loan, yet my loans have not been dealt with accordingly nor honorary loan pay freeze. I have interest added up making payment high now. My profession has been undermined and not categorized as a essential and XXXX XXXX XXXX XXXX XXXX, which brings the attention to why XXXX XXXX are not provided loan forgiveness as XXXX  have recently. We are essential XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Account status incorrect

Complaint:
There were a couple of incorrect items on all three bureaus. I sent a dispute letter to all three bureaus ( XXXX, Transunion, and XXXX ) on XX/XX/2022. I then sent another letter on XX/XX/2022, letting all three bureaus know that they have 30 days to comply. The 30 days have passed and I have yet to receive any response.

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 2022-11-08
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: Account information incorrect

Complaint:
Dear XXXX, On XX/XX/2022, I sent via Certified Mail Return Receipt Requested a letter to Transunion listing all the errors on my credit report that they have been reporting for years. On or about XX/XX/2022, I mailed, via regular mail, a copy of the above-mentioned letter again given that I did not receive a response from them. to no avail. 

For your ready reference, I am attaching a copy of the letter I sent to Transunion to no avail. Transunion illegally keeps on reporting erroneous information on 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 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans XXXX XXXX XXXX, XXXX XXXX XXXX , XXXXXXXX/DEPTOFED 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 2019-08-26
Company: Alliance Recovery Group
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Alliance Recovery repeatedly calls me staring from XX/XX/XXXX. This paid was paid under a settlement amount and it was back in 2011. The representative from this office, who says is a manager, is extremely rude and will not give me any information except to threaten me that I will not like what he will do if I choose not to pay this debt. He has repeatedly robotic called me at my job even though I have asked him not to and has even told me that he doesnt care if I pay this that he will continue to call me. I need to stop this harassment

Company response to consumer: Untimely response
Consumer complaint received 2020-03-17
Company: PCR Group
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection company sent me documents stating I owe a debt, but as I realized the debt owe isnt accurate. The estimate done by XXXX XXXX XXXX is false. XXXX XXXX XXXX XXXX paint home 4 walls 2 coats ( {$1200.00} ) But the the RTI home inspection from XXXX XXXX say whole house painted interior double coat ( {$1200.00} ) is also false signed off by a former Property Manager ( XXXX XXXX ) The photos circled in the report isnt of my house but the collection agent by the name of ( XXXX XXXX ) from ( Account Adjustment Bureaus ) told me on a recorded call that the Vice President of XXXX XXXX verified that the photos was of my home, when I asked for his/her name she said she cant disclose that information. I have the pictures circled that do not belong to me with the exception of one ; it shows the front entrance which isnt the same as the front entrance next to my entrance picture with the orange walls, theres also a bathroom circled that isnt my home, I can tell because the sink tile is different and the cabinet is darker, the other photo, that area wasnt in my home at all. Last but not least the company ( XXXX XXXX XXXX ) IS NOT A REAL COMPANY located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its the address of someone private home they have no idea who this company is at all. Please understand Im a XXXX XXXX XXXX and I was able to retrieve additional information, but the nonexistent company can also be looked up by anyone. The phone number is also fraudulent ( XXXX ) XXXX XXXX no such company exists in XXXX XXXX or anywhere else. I believe this is a scam and I will like to pursue further information on where this estimate actually came from, why did a property Manager sign off on a fake company estimate and why did the Vice President of XXXX XXXX make such a false statement? I will be reaching out to the Vice President and other parties of XXXX XXXX with all details, paper work and information collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This is the second complaint I've had to file because my intial one was closed. I experienced a temporary hardship that caused me to fall behind on my payments and have me with a past due balance of {$1400.00} and threats of repossession. I filed a complaint a few weeks back and was told that they couldn't help me because they thought I had an " ongoing '' hardship and an extension wouldn't solve the problem. My wife then called them and explained it was a temporary hardship and I am now able to make my monthly payments, I just need help with the past due. She was basically told that an extension still wouldn't be given. So why they made a point of differentiating between temporary and long term hardship in the last response is beyond me. My wife was advised to call this week and set up an arrangement to pay the entire past due. 

That is something we are unable to do! And now with work shutting down for weeks due to the coronavirus and facing a TEMPORARY loss of income again, I'm hoping CFPB can help me set something up with them. I can make my regular payments, even with the covid-19 shut down, I can make the regular payments, but I need help with this backlog. They are one of the only companies out there that I know of refusing to do anything amid this crisis. To be clear I can continue to make my regular monthly payments. I just need an extension for the past due. Will also be filing a complaint with 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 2023-10-17
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
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: Information belongs to someone else

Complaint:
In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : 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 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 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 2023-06-05
Company: Experian Information Solutions Inc.
State: IL
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:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, IL XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2019-07-12
Company: Capital Accounts, LLC
State: MO
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'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

1 ] Capacctll {$940.00} 2 ] XXXX XXXX {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: AMERICAN HONDA FINANCE CORP
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I'm concerned about the interest rate being very high being that my credit score was over XXXX and I actually leased the car from XXXX and it looks like at the end of the current loan I will have paid Acura {$44000.00} dollars. Is this legal? 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX B XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: MO
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:
These accounts are incorrect on many levels for one I do not have an contract with ( 1 ) XXXX XXXX {$580.00}, or ( 2 ) XXXX XXXX {$240.00}. And secondly these accounts are obviously fraudulent because they definitely not mines and I'm demanding that they be removed immediately, or I will be filing suit for harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: ENOVA INTERNATIONAL, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received an email date XX/XX/2018 from XXXX XXXX XXXX XXXX, ( located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX Illinois ) indicating that they had received my application for a line of credit from them ( for which I did not apply. ) I called to tell them that I had not applied for such line of credit. They informed me that the application was actually submitted by XXXX. I asked for contact information for this company and was placed on hold. The customer support person said she would consult with her Manager XXXX and get back to me. They never did. I called again this morning and spoke to XXXX and got the same response. I need to know who is applying for credit in my name without my permission.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation