BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This is the secound time that this Credidter has showen up on my report and they already lost a despute over 3 to 4 months ago. Thay showed up through anotheer cridet collecter. Thay droped my score XXXX points.I dont understand why TransUnion allows XXXX XXXX XXXX to use a thered party to report debts that have already gone through the desput prosses and lost but can still show up a secound time on my report. Thay sold my contract 2 times. XXXX, XXXX both have done a great job in keeping out these lost desput by XXXX XXXX XXXX. 

Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Active Dispute Pending Date Submitted : XX/XX/2023

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 2023-07-23
Company: Experian Information Solutions Inc.
State: OK
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I am having an issue with Experian removing XXXX previous, irrelevant, and outdated mailing addresses in the personal information section of my consumer report. I can not receive any mail or legal documents at these previous mailing address. 

Experian also have XXXX different versions of my name listed. I've submitted a request to remove all versions of my name and correct my first, middle, and last name on XX/XX/2023, and XX/XX/2023. They failed to do so. I also called Experian on XX/XX/2023 and spoke with a representative with no success. 

I've submitted a request to move all outdated mailing addresses on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Again, I called Experian on XX/XX/2023 regarding this as well with no success. 

XXXX and XXXX on the other hand, removed all of the outdated mailing addresses and incorrect/other versions of name within XXXX hours with no issues!

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX, XXXX, PA XXXX To Whom it May Concern, I recently review a copy of my credit report and found that you are illegally reporting inaccurate and False information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$4400.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION AGENCY/ATTORNEY This is a violation of the FCRA and is also in violation of requisite XXXX XXXX  compliant reporting. 

According to the FAIR Credit Reporting Act I have the right to a fair and accurate credit report, credit report agencies are require to remove any information that is not true, accurate and verifiable. 

Please remove this inaccurate information IMMEDIATELY from my credit report and send me the updated report showing your compliance with FCRA laws and XXXX XXXX reporting standards as well as this account removed. 

Sincerely, 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 2020-06-27
Company: DISCOVER BANK
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a form 1099-C from Discover Bank also Discover Card, Cancelling the debt I owed. The discharged amount became my personal income for the year XXXX and taxes were paid to the IRS per form attached. On XX/XX/XXXX I received a letter from Discover stating that I owe {$10000.00} ( Discover Card Account Ending XXXX - Same account reported on IRS Form 1099C and only account I have hold with Discover ). 

Discover is demanding full payment on my account, XXXX Account ending in XXXX ), for a debt that they cancelled, reported the IRS as being cancelled and I paid taxes. This is Tax Fraud and Consumer Fraud. I need help holding Discover and Discover Bank accountable for FRAUD. Is this happen to any person based on the amount, it will be considered a Felony. Over the years this has impacted me and my family as I was denied credit and other opportunities as Discover was reporting to the credit bureaus that I have been delinquent in paying my debt even though they issued a form 1099C for cancellation of debt. This company is committing fraud in MN, I wonder how many other people may be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a zales/commenity card to buy a ring that goes off sale today. When going through the application process it error 'd out. But I got an email that I was approved. I contacted commenity bank and was told that I would have to wait 7-10 business days to get the card to register my account. 
I contacted zales. Zales said the card should be linked to my zales account. It was not. Zales said they could link it to my account. They sent me back to commenity, who said I should go to a store and provide ID to buy a ring in store. I advised I live in a rural area and the nearest store Is approx 60 miles away and the specific ring I got the credit card for is a clearance item and unlikely to be in store. I feel mislead as I was supposed to be able to use the card immediately. If I knew I was unable to use the card until I received it in the mail, and thus unable to use it for the only item I wanted to purchase, I would have never applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: IA
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 inquired about the date of my first delinquency, and they took over 6 weeks to look into it and came back saying the last activity date was correct. They didn't even look at the delinquency date. The CFPB does nothing too. All of these companies are corrupt and do not care about anyone. 6 weeks to not even look at the one thing I inquired about. Unbelievable. They can report misinformation on your credit report for years and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: FIRST GUARANTY MORTGAGE CORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In  XXXX  of    2016  we were cont acted by First Guaranty Mortgage Corporation about refinancing our home for a lower interest rate. One year later we have a negative escrow account to the tune of more than {$2900.00} and now our mortgage payments have increased more than {$200.00} per month for twelve mon ths. We have paid our mortgage every month on time and refinanced for a lower interest rate only to be punished with a mortgage payment that we can not afford.  XXXX   XXXX   XXXX   XXXX  is servicing the loan and has continually maintained that the problem occurred at closing with the refinance through  First Guaranty..

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 2022-11-03
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: 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 U.S.C 1681. 

( Experian ) Dept of educationXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX ( XXXX ) Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/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 Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX Dept of Ed/XXXX XXXX XXXX Dept of Ed/XXXX  # XXXX Dept of EdXXXXXXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/NelNet # XXXX Dept of Ed/NelNet # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/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 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agencies CAN NOT furnish an account without my written instruction and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that 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.

15 U.S.C 1681b-2 States permissible purpose must be given to corporations to report any information on the consumer.

15 U.S.C 1681a-2 ( A ) ( 1 ) States that the transactions and experiences between the consumer and the person making the report is not to be included on the consumer 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 2018-09-14
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have sent several letters about the dispute of late payments to be removed due to misinformation form several representatives. I thought i was on a deferment back in XX/XX/17 and was assured that it was in effect until i got another response that i was not. I I followed proper steps and was filled out all the paper work. I called several time to see if i was on a deferment was told yes and when i was going to get a credit card was denied due to i have all the late payments on my report. I come to find out that they can not locate my calls between XX/XX/17-XX/XX/17 the disappeared. So i know i did call in several times and the representatives helped me with what i needed to do. I need assistance on removing the late payments I have tried so hard to get my credit score up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: KY
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:
Between the months of XX/XX/2022 through XX/XX/2022 i received email notifications that my social security was compromised and was on the dark web. I ignore it thinking it was spam however it was sent to my inbox. I received another email stating that my social security was compromised again and was on the dark web. I soon put a freeze on my credit report until i find answers on what with my social security being compromised. I temporarily lift the freeze and once again another inquiry on report again. I have not authorized any of these inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Client Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been repeatedly called by this phone number multiple times per day at all sorts of hours. Everytime I pick up no one responds. I Have returned the calls to find dead lines, no one able to assist me and flat out rudeness. I was refused to be given a business name, phone number and address on several occasions. Additionally without veryifying any information to confirm my identity someone just gave me all my personal information over the phone. 

I dont know what this is for and the few things I have placed in collections does not show this company on the chain of title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2018-07-29
Company: Berco Finance Corp
State: OR
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:
On XX/XX/18 I was shopping for a new car. I ended up at XXXX XXXX XXXX XXXX XXXX  in XXXX oregon. I found a truck that I was interested in but had a large scratch on the tailgate and was missing a headrest. I gave XXXX ( salesperson ) my number and told her to let me know if they could repair the scratch and replace the missing headrest and was in my way to look at more trucks. XXXX called me about 15 minutes later stating that her manger approved the minor repairs if I come back to buy it. I returned to the dealer and started the process to purchase the vehicle. After running my credit XXXX informs me that they will not be making any repairs and it is what it is. I told her that was not the agreement and she just shrugged. After getting a manager I was told the same thing we never agreed to that. I cancelled the transaction and will never work with XXXX XXXX again but they have still pulled my credit ( probably several times as most car dealers do ) negatively affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: DE
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

My current correct Address Street Number , Street Name, City, State is XXXX XXXX XXXX XXXX, Delaware XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.

Company response to consumer: Closed with explanation