BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: PA
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 15 USC 1681. Act Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-09-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I mailed a Certified Debt Validation Letter to Midland Credit Management company via United States Postal Services which was delivered on XX/XX/2023. I waited 30 days to receive a response from the company ; however, I did not receive a response. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX and it was delivered on XX/XX/XXXX giving Midland Credit Management 15 more days to validate debt. However, we are now passing the 15 day mark with no response from Midland Credit Management. After several attempts to validate this debt, I still have not received any communication and this unknown debt remains on my credit report which is a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-03-01
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:
I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX Account Number:XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 writing to express my deep concern and frustration regarding the fraudulent items that persist on my credit report, despite my previous attempts to address and rectify this matter. This is my second attempt to bring your attention to the inaccuracies on my credit file, and I am disappointed that the issue remains unresolved. 

I submitted a formal dispute regarding the fraudulent items on my credit report. I provided detailed information and supporting documentation to substantiate my claim. However, to my dismay, the inaccuracies persist on my credit file. 

I understand the importance of accurate credit reporting, and these fraudulent items are adversely affecting my creditworthiness. I have taken all necessary steps to verify my identity and provide the required documentation to support the removal of these items. I expect a timely and thorough investigation into this matter. 

I request that you promptly reevaluate my dispute, taking into consideration the evidence I previously submitted. I also urge you to communicate the results of your investigation in a clear and transparent manner. If additional information is needed from my end, please inform me at your earliest convenience. 

I am prepared to cooperate fully and provide any further documentation required to expedite the resolution process. I believe that the prompt removal of these fraudulent items is crucial to maintaining the integrity of the credit reporting system and ensuring fair and accurate credit assessments. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a late payment from XXXX I requested a copy of my disbursement from earlier of this year. I am in the middle of a refinance for my property and this Late payment is holding me back. I am requesting the removal of the 30 late payments.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Trans union. Credit reporting Has refused to correct. Information. On my credit report and. Because of this. I have been denied. Credit and. Have paid. More in interest. $

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 2023-07-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I recently noticed my credit score went down. On my credit report it states closed by creditor on my credit card accounts. When in fact it should state included in bankruptcy. Some accounts do show included in bankruptcy, and some do not. Please correct items. 

I thank you for removing bankruptcy but my score doesnt reflect adjustment from removing bankruptcy. I thank you in advance to fix items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wallet was stolen in XX/XX/XXXX between XXXX XXXX and XXXX XXXX  in downtown XXXX XXXX. I discovered this because a charge went through at the nearby XXXX store for {$1000.00}. The person then continued to try and charge the rest of may cards all throughout the night ( thankfully those were denied as the limit was too high on them to allow the charges ). I reported this to my bank, XXXX  XXXX and called XXXX immediately and blocked my card online using the mobile app. In order to pay for things until I got my new card, I used online services ( XXXX, XXXX, XXXX XXXX ) while unblocking to make the transaction and then blocking again once I had to ensure no further unauthorized charges going through. I filed a police report, sent in documentation of my attendance at a makeup appointment that lasted from XXXX to XXXX XXXX ( the charge came through at XXXX XXXX ) and provided the makeup artists name and number to my bank. I also sent the other fraud notifications that I received. I can prove where I was the entire night through various other records but none of this was requested by the bank before they denied my claim outright, stating that because I used the card after the false transaction occurred that there was no error. This is patently false as I explained that I was using the card online, not my live card. I had no other way to pay for things since my card was taken. After explaining this, they reopened my claim, but have yet to provide any service around the fraud report, will not answer my emails and gave me an exploding deadline of XX/XX/XXXX, the week of XXXX to provide " more information that substantiates my case '' but have given no guidance about what information they need. To this reply I sent the evidence that the purchases made after the fraudulent transaction were made from my phone and not with a live card as the fraud person claimed. I am very frustrated and also out {$1000.00} after being financially abused by this person, and then my bank. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is called XXXX XXXX XXXX/ My Loancare. Ever since our mortgage was sold to them 2.5 years ago, they consistently do not pay our property taxes on time which results me in having to call and beg them to pay on a quarterly basis. Every 3 months like clockwork we receive mail from our town stating our tax payment is overdue and we are being accessed late fees, or even worse, that our home will be " advetised and sold under the provisions of N.J.S.A 54:5.19 ET SEQ, which governs the enforcement of the collection of all unpaid taxes ''.

We have more than enough cash in our escrow account, there is no reason why they shouldn't be paying our tax bills on time. Our tax bill this quarter was due on XX/XX/XXXX. We reached out to them first on XX/XX/XXXX and asked them to pay, then again on XX/XX/XXXX when we received the tax sale notice. The assured me they would and would send the check overnight. We get a call today saying they sent the check via regular mail on XX/XX/XXXX and could not confirm it was paid. When we called our city 's tax department, they verified they have not received the payment. They said my taxes have been sold and there is now i lien on our property.

Now our credit score 's are damaged because of this company 's inability to pay a simple tax bill for us. We are sick and tired of fighting with them every 3 months about the same exact thing.

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 2023-09-19
Company: Climb Credit Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX  XXXX XXXX ( from here on Climb ) has unfairly increased the principal of my student debt by {$3900.00}. They acknowledge that it is a mistake that occurred on XX/XX/XXXX, but they havent solve it. Meanwhile, everyday I accrue interest on the wrong principal. 


I took a loan with Climb for {$15000.00} disbursed on XX/XX/XXXX. This money was disbursed directly to XXXX XXXX to pay for the software development bootcamp offered by that institution. On XX/XX/XXXXXXXX  XXXX XXXX paid Climb {$3900.00}. This reimbursement was made by XXXX XXXX because it closed its on-site bootcamp and the students affected were reimbursed part or whole of the tuition depending on whether they accepted or declined the online option. I accepted the online option and I was partially reimbursed. 


On XX/XX/XXXXXXXX  I checked my online Climb account and I found that the money paid by XXXX XXXX had been reversed. Meaning the negative number that lowered the principal by {$3900.00} had been offset by a positive number of the same magnitude marked with the word Reversal. 


On XX/XX/XXXXXXXX  I made a call to XXXX XXXX XXXX which is the number published on the Climb website. They told me that the reversal occurred on XX/XX/XXXXXXXX  but they did not tell me why. They also couldnt tell me why I hadnt been informed or when the problem was going to get solved. They only said that they were sorry, that an error had occurred, that they were investigating and that they would contact me once they had an update. Since then I have made several calls and written multiple emails to Climb and I always get the same response : They are sorry and they will contact me when the issue is solved. Today I checked again the account and the Reversal is still there. 


I want to highlight that the problem is not only that the principal is higher than it should be, but that the interest is being accrued incorrectly EVERY day. 


I have exhausted all the channels provided by Climb but they havent reversed the error. Any advice on what to do would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has repeatedly sold a fraudulent debt to collection agencies who in turn have reported the debt to my credit report. I have repeatedly filed fraud alerts, placed a freeze on my credit file and previously reached out to no avail. I have filed a dispute with XXXX at this time and will file an identity theft case yet again with local law enforcement.

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 2019-11-18
Company: Experian Information Solutions Inc.
State: CA
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 a notification on XX/XX/19 that I had a hard inquiry on my Experian credit report from XXXX XXXX. This was not me and I did not authorize this, I would like this removed please : )

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 2020-11-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TRANSUNION, XXXX, XXXX ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!

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