BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
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:
XXXX ; XXXX and Transunion are reporting information on my credit report belonging to another person. Please see the attached copy of my credit report. ( I have also attached a copy of my social security card to verify my SSN. ) At the top of the credit report you will see my name XXXX XXXX - and in the section titled Personal Information you will see the name of a XXXX XXXX XXXX, D.O.B. XXXX. Continued throughout the credit report is information pertaining to XXXX XXXX XXXX. I have contacted the ( 3 ) bureaus to remove XXXX XXXX from my credit report however I have not had any success. This incorrect reporting is not only harming my credit score, it is a case of mistaken identity. XXXX XXXX has had issues with the police as well, as you can see by the attached police report. I was stopped by the police recently and when they submitted my information into their system, XXXX XXXX information appeared. I had to provide additional information to the police officer to prove that I was in fact who I say I am. This is a serious issue and I respectfully request it get corrected on my credit report and that XXXX XXXX information be completely removed.

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 2018-03-08
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Filed a complaint on this company in XX/XX/XXXX. This company sent me a letter saying i owed XXXX on a past due medical. This company claimed my date of service was XX/XX/XXXX. So I looked on my XXXX calendar and found out I wasn't even in town. i was in Maryland handling my divorce. I called the hospital and asked when did I receive their services and the HIM department said XX/XX/XXXX. Which I already knew because that's the day I went into early labor. I also called the company to let them know they have the wrong dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2023-07-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed my Value City XXXX Credit Card that was in good standing, with no prior notice. I contacted their customer service department which confirmed the closure due to negative changes to my credit report that have been resolved since they ran the 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 2022-05-05
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:
On several occasions I have requested that Experian update my credit report to reflect that ALL of the entries on my credit report, prior to XX/XX/2022, were part of a recent bankruptcy. 

However, Experian has not only chosen to update my credit report with the bankruptcy, which in and of itself negatively affects my credit report and score for XXXX  yearsbut they have also allowed each of the accounts included in the bankruptcy to remain as a separate and distinct entry on my report, which is nothing short of double jeopardy in how it affects my credit report and score. 

Experian is intentionally causing a misrepresentation of my credit report and artificially deflating my credit score in order to prevent me from being able to positively rebuild my credit profile. 

This action on the part of Experian only benefits them and the corporations, landlords, bankers, mortgage companies, car dealerships, etc., who subscribe to Experians consumer-exploitive membership. 

Experians deceptive practices will all but ensure that the wealth disparity continues to grow and the chasm deepens for those who are trying to start over and become better stewards of money and creditall while Experian and their corporate clients line their pockets with the monetary benefits of suppressing the underserved population.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2020-04-08
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
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 a complaint to the Consumer Financial Protection Bureau on XX/XX/2020 regarding XXXX 

I have repeatedly asked XXXX both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute regarding an inaccurate report of an auto loan from Credit Acceptance Corporation. XXXX  has NOT provided this information. They responded to my complaint filed with the Consumer Financial Protection Bureau by sending a copy of my credit report via first class mail. They DID NOT provide me with the requested Methods of Verification of the dispute with Credit Acceptance Corporation. 

I DEMAND XXXX provide me with WRITTEN Methods of Verification of my dispute or delete this item from my credit report permanently. I can not move forward with a police report without information including signed contract, the business where automobile was purchased, date of transaction and ID provided at the transaction. 

I have also requested this information from Credit Acceptance Corporation on MULTIPLE occassions with NO 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 explanation
Consumer complaint received 2023-04-21
Company: Selene Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Selene Finance acquired my loan in XX/XX/XXXX. At that time, they failed to pay out my property tax funds in escrow. 

I did not know this until I started a refinance process in XX/XX/XXXX. Once I got a notice of a tax lien, I contacted Selene Finance to make sure they sent the property tax funds to the tax commission. This process took over two full months and slowed up my refinance. 

I've been unable to connect with anyone at Selene Finance on my amortization schedule. I've made 5 payments with interest since Selene acquired the loan, but for some reason, I owe more than when they acquired it. The inaccurate additional interest on my loan has derailed my refinance. 

Further, because I was in the middle of a refinance, I delayed my XXXX payment because I thought we'd be closed before my payment was late. Since Selene didn't provide accurate payoff details or an amortization schedule, I went ahead and made the XXXX payment on XX/XX/XXXX ( as confirmed my a customer service rep over the phone on XX/XX/XXXX. For some reason, that payment wasn't applied until XX/XX/XXXX and now I have a 30-days late ding on my credit report. 

It's been impossible to get in touch with anyone at Selene Finance to discuss the payoff details or amortization schedule. The property tax department failed to submit my property tax funds and then was astonishingly slow in resolving the matter.

Selene Finance has singlehandedly derailed my refinance and hurt my credit score. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Once i noticed the inquiries in my report i called the 3 credit bureaus and informed them that they were not mine and appeared to be fraudulent. The bureaus said that they could not remove the inquiries. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: DC
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 sent XXXX, XXXX, and Equifax a debt validation request several times about two accounts. Those accounts are XXXX XXXX and XXXX XXXX XXXX. I have informed this credit reporting agency that I do not have any knowledge of those accounts and I have asked for them to send me written agreements from these companies because this is not my debt. I recently tried to dispute these accounts again and XXXX, XXXX, and Equifax responded that they are not going to re-investigate my dispute. As a consumer, I do not think that is fair for credit reporting agencies to report inaccurate information. Items contained in a person 's credit report has an affect on housing, employment, and any other personal needs. I have been disputing these accounts every 30 days starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more recently in XXXX. I sent these request for investigations on these accounts using certified mail and to date, I have not gotten anything to show that this debt belongs to me for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To Whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2020-04-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.

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 2020-04-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion XXXX TransUnion and XXXX XXXX XXXX has been reporting that I have a collection/charge-off account with them and they are putting derogatory information on my credit report that in error. After being frustrated with this situation I decided to do some research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account 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 2023-06-04
Company: Experian Information Solutions Inc.
State: OH
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 am writing to formally complain about the recurring issue regarding the display of my account balance on my XXXX ( XXXX XXXX XXXX XXXX XXXX Credit Card. The balance has been consistently displayed incorrectly by a large margin. Currently, the discrepancy is greater than {$12000.00}, which is having a significant detrimental effect on my credit score. I have made numerous attempts to rectify this issue. Unfortunately, the problem persists despite my efforts. Not only is this affecting my financial credibility, but it is also causing me considerable stress and inconvenience. I am therefore seeking your assistance to investigate this matter and take necessary actions. I also request the following : 1. A detailed explanation of how and why this discrepancy occurred. Specific information on the steps that were taken in investigating and attempting to resolve the issue. 2. An assurance in writing that this problem will be rectified immediately and will not recur in the future. 3. Compensation for any damage that this may have caused to my credit score and reputation, if applicable. I believe that as a consumer, I have the right to receive accurate and consistent information regarding my credit card balance. The constant misrepresentation of my account balance by XXXX is unacceptable and must be addressed.

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 2022-05-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
please remove the personal information that i dont want on my credit file according to fair credit reporting act 15 usc 1681 i have the right to privacy and also according to 15 usc 6802 no financial institution is suppose to share my information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX has placed a {$3000.00} from a XX/XX/2018 medical bill in collections with Medicredit. The hospital refuses to submit the medical bill to my health insurance company to pay the claim. For two years, Ive requested this bill be sent to my insurance company who is willing to pay the claim. Each time Im told the bill will be sent but never is. Ive explained this to the collection agency who continues to report this debt on my credit report even though the my insurance has never had the opportunity to pay the bill.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: KY
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-07-24
Company: LFG Data Services Holdings, LP
State: SC
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:
I did not give LCI Consumer Center my writing instruction to report any items on my XXXX consumer report. This section is very clear that LCI must have my written instruction and they don't have it and i didn't give it. This is pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Hi, my name is XXXX XXXX. I am a current customer of td bank. And I applied for a td fit loan on XX/XX/2022. As a result, after I provided information for the loan. XXXX of the agents demanded more information need to be submitted as this is not the first time I received a td fit loan but this is the first time I was treated with disrespect and discrimination regarding what needs to be submitted So I stated that I am not home at the time she wanted me to submit the required information I will do so when I return home. As I got home and logged into my application and it was an automatic denial stated something in my credit report which was untrue. So I called the td fit loan department and they stated they couldnt verify my identification which was also false. This is disgusting how your employees represent your company in this type of manner and it is unacceptable.

Company response to consumer: Closed with explanation