BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: Experian Information Solutions 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:
I am writing to dispute inaccurate and inconsistent late payments on my auto loan with Ithink Financial, as reported on my credit reports by Experian and XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account. I have not received the requested bank statement/ledger from the lender to show dates of payments. XXXX is reporting 30 day late payments for the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and 60 day late payments reporting : XX/XX/XXXX Experian is reporting 30 day late payments for the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and 60 day late payments reporting : XXXX, XXXX XX/XX/XXXX See XXXX credit reporting info I understand my rights under the FCRA and the duty of credit reporting agencies to conduct a reasonable investigation into disputed items. I also expect that any information found to be inaccurate, unverifiable, or incomplete will be promptly removed from my credit reports. Given the importance of maintaining accurate credit information, I request that you address this dispute as promptly as possible. Timely resolution of this matter will enable me to maintain a fair credit standing. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied for a loan today XX/XX/2020 because I need help catching up on some bills but I was not approved because apparently there are accounts reflecting badly on my credit report. There are more than ten accounts in negative standing on my report that do not belong to me. I did not open any of those accounts and I did not allow anyone to open those accounts in my name. I do not have any written or verbal contract with any of those companies nor did I benefit anything from any of these accounts such as money, goods, services or any other benefit. I never made any payments towards those accounts and I have already filed a police report and a complaint with the consumer financial protection bureau.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX The XXXX XXXX XXXX. Sent in multiple disputes no knowledge of this account and noticed activity dates are different from XXXX and TransUnion.

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 2023-06-04
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2020 a credit of {$16000.00} from a cancelled trip was applied to my Citi visa card ending in XXXX. 

On XX/XX/2020, I requested the credit balance to be sent to me by check. I was told that the check would be sent to me by XX/XX/2020. 

I have made numerous calls to Citi Visa each with a very long wait time and so far no check has been issued to me. The $ XXXX credit balance remains in my account. I realize in this time of the virus pandemic there are staff shortages but it has been too long for my money to be withheld by Citi.

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 2022-03-04
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I'm writing to lodge a formal complaint against Freedom Mortgage, the company that services our mortgage. Since Freedom became our servicer ( something over which we had no control, like everyone else ), we've been barraged with both paper mail and phone calls " offering their services '' to refinance, etc. I've repeatedly told them over the phone that we are not interested in their marketing and explicitly demanded they cease from contacting us with marketing material. I still receive constant paper mail and phone calls. They even continue to call me and asked that I validate my loan information in order to receive their follow-up sales pitch! And how am I to know it's a sales pitch vs. a legitimate issue with my account until I've provided personal information? I understand that they need to validate whom they're speaking with but my mortgage servicer calling me and asking to validate my personal information for a marketing call ( which I've already refused ) is deceptive and insinuates that they're calling me about a legitimate issue with my account. I can confirm that there have never been issues with the status of our mortgage. I live in a " hot market '' so there's absolutely zero incentive for Freedom to stop this behavior unless the CFPB steps in and slaps them on the wrist. I'm already coughing up thousands of dollars a month to Freedom Mortgage : I shouldn't have to endure their incessant greedy shake-down on " additional services. '' I appreciate the Bureau 's attention to this matter. 

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 2023-11-02
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with XXXX XXXX XXXX, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer right. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: NC
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 purchased and financed a vehicle last XXXX ( 2019 ). Everything was fine at first, and then I started having problems with the finance company in the summer of 2019. I continued to make my regular, on-time payment every month ; but I discovered that the finance company had applied my payments to another customer with a similar name. The result was that my account started to report as delinquent in XXXX of 2019. When I spoke to the dealership about the mistake, they said they saw the problem, and would fix it. Despite their promise to correct the problem, they have continued to report me late each month. I have paid my loan on time every month, since I financed this vehicle. But despite that, this company continues to report my account as late, and is destroying my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company listed below states that they are a creditor and that I owe them {$3500.00} for one account and {$2900.00} for a second account and this is reported on all three credit reports. I submitted a dispute with XXXX regarding this matter and the company in question has not returned an answer for my dispute. I never received any written documentation or have been notified by any means regarding this debt that the company claim I owe. I do not have knowledge of this debt and the company has yet to prove that I owe it and have reported this collection debt to all the credit bureaus and state that I owe {$6400.00} in collections on my reports. This is false and they can not prove it and have not yet answered my dispute. This is illegal and do not meet FCRA requirements. The company states the account was opened in XX/XX/2018. 

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX  Balance : {$6500.00}

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 2018-02-13
Company: EQUIFAX, INC.
State: NJ
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 XX/XX/2018, I have asked XXXX, XXXX and Equifax verification and validation of a Negative Public Record : XXXX XXXX XXXX XXXX XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over XXXX XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is showing a past due balance of XXXX to complete credit solution. According to the FRCA I have a right to an accurate credit report. Please remove this item immediately from my credit report. Also want to do the same thing with the The first premier bank account is showing a past due balance of {$650.00}. And the last account showing a past due balance is acceptance now. Showing a past due balance of XXXX. According to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), I have the right to dispute any inaccurate or incomplete information on my credit report. Please remove these items immediately from my credit report. Please provide a copy of my new credit report reflecting this account removed upon completion

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 2020-04-07
Company: EQUIFAX, INC.
State: NC
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 purchased and financed a vehicle last XXXX ( 2019 ). Everything was fine at first, and then I started having problems with the finance company in the summer of 2019. I continued to make my regular, on-time payment every month ; but I discovered that the finance company had applied my payments to another customer with a similar name. The result was that my account started to report as delinquent in XXXX of 2019. When I spoke to the dealership about the mistake, they said they saw the problem, and would fix it. Despite their promise to correct the problem, they have continued to report me late each month. I have paid my loan on time every month, since I financed this vehicle. But despite that, this company continues to report my account as late, and is destroying my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 purchased and financed a vehicle last XXXX ( 2019 ). Everything was fine at first, and then I started having problems with the finance company in the summer of 2019. I continued to make my regular, on-time payment every month ; but I discovered that the finance company had applied my payments to another customer with a similar name. The result was that my account started to report as delinquent in XXXX of 2019. When I spoke to the dealership about the mistake, they said they saw the problem, and would fix it. Despite their promise to correct the problem, they have continued to report me late each month. I have paid my loan on time every month, since I financed this vehicle. But despite that, this company continues to report my account as late, and is destroying my credit rating.

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