BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE

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 2022-12-17
Company: EQUIFAX, INC.
State: UT
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:
The following accounts are incorrect and they are adversely affecting my livelihood Previous Address : XXXX XXXX XXXX XXXX XXXX, UT 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 2022-12-17
Company: Experian Information Solutions 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 researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$220.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00XXXX 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 explanation
Consumer complaint received 2018-04-18
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an outstanding bill of {$310.00} that I am disputing. I have been dealing with XXXX XXXX XXXX  and XXXX XXXX customer service teams sinceXX/XX/XXXX. My issue started when I initially tried to do a transfer of billing responsibility. After numerous 60+ min phone calls with their XXXX  lines, I eventually went into an ATT store, where they advised me to just cancel my account and start over. They ensured me that I would not be charged for the months I was without cable ( XX/XX/XXXX) - however, I recently received a bill from a collection agency in XXXX. Followed by numerous harassing phone calls from the Collections Agency ( they've called me 12 times today alone, in the past hour ). When I did try to settle my bill with them, XXXX, the bill collection agency, was incredibly rude and threatening.

Therefore, I tried to call XXXX XXXX XXXX and XXXX   to resolve the bill directly with them, neither of who will actually take responsibility and offer any helpful solution. They are stating I have an outstanding bill for two months of service that were never paid. However, I did not have cable in my house from the months of XX/XX/XXXX In XX/XX/XXXX, my service was finally re-installed per XXXX XXXX XXXX XXXX  suggestion, to set up a new account. I should not have to pay for two months of service I did not have, due to lack of record keeping. They are trying to say my services were not turned off until XX/XX/XXXX- which is not true.

All in all, this has been the most miserable experience. There has not been a single customer service representative who has been able to provide me with a helpful solution, and instead I've been passed off from department to department, just to have to start my explanation over. I originally signed up for XXXX internet + cable, but through the transfer of billing responsibility, my bills were split and my headache began. I was never provided with a XXXX account number, login information, etc., I also called numerous times to have the information on the account switched, to which lead to never being saved. So, when I called to get assistance, I would spend 45 min just trying to log into the proper account because XXXX has no insight into XXXX XXXX  and vice versa.

Let me end by saying I have been dealing with this headache since XXXX XXXX XXXX, coming up on 9 months now. I am exhausted and would just like to a resolution. I don't feel its right I pay a $ 300+ bill, for services I did not have and an experience I deemed so terrible I ultimately *paid more* to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an authorized user, XXXX XXXX XXXX  card for several months. I disputed with XXXX, Transunion, XXXX  and with XXXX XXXX. XXXX XXXX representative " XXXX '' says there is nothing can be done. 

The problem is that I never authorized anyone to add me as an authorized user and this is FRAUD. I found out about this when I checked my credit report. I have asked that this account be removed from my credit report but none of the companies will do anything about it.

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 2022-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account Number XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX  Account Number XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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 confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A . States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-06-27
Company: EQUIFAX, INC.
State: AL
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 my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXXXXXX  Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... CREDITACPT XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit 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 explanation
Consumer complaint received 2021-03-15
Company: Mountain Run Solutions, LLC
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Bread Financial Holdings, Inc.
State: MN
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:
Comenity Bank has not reported several of my credit cards to the credit bureau since XXXX of 2022 which has a big impact on my credit report because I paid off all 3 cards, but they are still reporting high balances. I emailed them in XXXX and they said it would be fixed soon but it's still not updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying since XX/XX/XXXX to remove a security freeze that I do not recall placing. To date, I have been unable to remove this freeze. I've called the number only to get circled around in the voice mail XXXX. Several times it says I can place a freeze but I can't remove one which is exactly what the online data said. Everytime I apply for credit that uses Equifax, they aren't able to process my application but it still counts as a hard pull on my credit report. I applied for a XX/XX/XXXX card 2 weeks ago and they weren't able to verify my identify and my credit score decreased 11 points just due to this. I've applied for credit four times in the last 2 years that uses Equifax and no one has been able to verify my identity and yet it still lowers my credit score. Again, I've tried multiple times to remove this including the online system to no avail. The online system asks me my name, address, SS no, birthdate and then proceeds to tell me that they can't find my credit file BUT it asks me if I want to PLACE a credit freeze and actually will allow me to do so BUT to remove a freeze, they suddenly can't find my credit file. This is ridiculous! I've been trying to remove this freeze since XX/XX/XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: TN
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 tried contacting all 3 credit bureaus to drop these inquiries. XXXX is no help even after speaking with a customer service representative. I can not get experian or XXXX  to take them off either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2022 I wrote to XXXX XXXX XXXX in regards to my auto loan being reported as late for XX/XX/2022 as all three ( 3 ) credit bureaus show it was late. On XX/XX/2022 XXXX XXXX XXXX sent me a letter stating that based upon their research they are not reporting any delinquency for XX/XX/2022. I want this negative reporting removed from all three ( XXXX ) credit bureaus immediately as it is inaccurately reported on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: AL
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 Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2022 - I phoned Midland Credit Management , Inc to change the debit card information in their system. A payment plan had been set up to resolve this very old debt. The company employees became very uncooperative when I told them that I need to change the debit card number on the payment arrangement. 
The arrangement was {$50.00} per month for 3 months and {$100.00} every month after until paid off. 
The company told me that because I had filed a complaint with CFPB and they had until XX/XX/2022 to respond that they will not resolve the payment plan to change the debit card number in the arrangement. 
They told me the only way they would cooperate is if I withdrew my complaint. I said that I would not because I am looking for affordable payments for debt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to address this organizations refusal to assist with credit reporting. As with many others I was severely impacted during this past year. After losing a company, a job, my brother, and my father to XXXX, I like many others found myself unable to meet my obligations. America First Credit Union advised they understood what I was dealing with at the time and agreed to defer payments and limit collections on account during this time. However, they failed to provide any real options for assistance and instead have reported this account as being delinquent for the past year. How can an organization that is doing business in America during a pandemic absolutely disregard the needs of its consumers and continue to report detrimental information after advising they would assist. It is of no help to offer to hold off on payments and collection proceedings due to a worldwide pandemic, however still lack in the actual real help provided to people during such a difficult time. After burying my brother and father within a few months of each other I have been able to get myself back to current however am attempting to address the substantial delinquent claims being made to my credit reports. I have attempted to contact America First to discuss this discrepancy within their claims of assistance however was met with an unwillingness or desire by its associates to assist in correcting this. I will ask that America First review its decision to refuse assistance with regards to credit reporting based on the multiple hardships and losses that I personally faced this year and to please review and reverse its decision for negative credit reporting. To provide assistance to its consumers it must fully understand the position of its customers and adjust its practices and procedures during times where the whole world has had to make concessions based on a virus that has crippled the economy and set records for the amount of lives lost. I am able to provide any and all documents that would be requested of me to validate my claims of loss and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Sequium Asset Solutions, LLC
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
discover offer my, one year 0 interest with 2 % fee transfers, my bank XXXX XXXX offer my same offer, I decided transfer to my bank, my bank pay to discover {$5000.00} dollar for the total, but '' discover charge another {$5000.00} dollar, total {$10000.00}, after 2 month and many time to call all and they toll me they send a check to my home, that is 2 month ago, discover continuable lying to me and not send any check, they damage mi credit, my My score credit was XXXX, now for this problem is down to XXXX, discovery doing this action wend someone no continue used they credit card after the one year offer. I Ready speaking with a supervisor name : XXXX : phone : XXXX XXXX XXXX, same problem, lying to me

Company response to consumer: Closed with explanation