BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$7500.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX  XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$7500.00} 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 non-monetary relief
Consumer complaint received 2021-07-26
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ProCollect is not willing to help anyone understand or give accurate information on any account that they have that concerns the consumer. I have been reaching out to XXXX XXXX and he always respond with the same response and has not provided any information I asked of him or XXXX XXXX. I am accused of owing them {$2400.00} as of XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX sent me an email containing inaccurate information and never responded back to my request of information. In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). As of today, XX/XX/XXXX, ProCollect is still reporting false information 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 2023-04-24
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collections notification from XXXX for Jefferson Capital Systems and I would like verification of the original owners payment history along with original signed contract. I need the date of First Delinquency. I haven't received anything to verify this account. If they cant provide this need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX//2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have received letters from company trying to collect on a debt that was written off by the original creditor. Each letter states a different balance on the amount owed. When checking my credit report this account does not show up and it tells me that the account has fallen off. While researching online i have found out that this company tries to get you to agree that you owe the debt and they will accept a smaller amount to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: WA
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:
My XXXX-branded credit card was moved from XXXX XXXX to XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My XXXXbranded credit card was moved from XXXX XXXX to XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I am writing to a formal complaint regarding the false and misleading information that remains on my credit report. 

-- -- -XXXX -- -- - XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX -- -- -Experian -- -- - XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion has a total of 6 medical debts under {$500.00} still reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$55.00} ( This has been paid in full ). 
XXXX ) XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$120.00}. 
XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$120.00}. 
XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$65.00}. 
XXXX ) XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX ) {$87.00}. 
XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) {$34.00}.

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 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2020, XXXX XXXX reported a 56 point drop to my Transunion credit report and a 57 point drop to my XXXX  credit report. When I looked into what changes had occurred since last month, I saw an account had been closed : XXXX/XXXX. As far as I can tell, this is an account that I had no knowledge of that originated with XXXX as " XXXX XXXX  XXXX '' and was sold to XXXX XXXX. XXXX XXXX  presumably closed the account due to inactivity. I never used or signed up for this account at any time. It is unconscionable, that XXXX would close this account at random, without my knowledge of it ever existing, and deal such a devastating blow to my credit report. I filed a dispute to my Transunion report with XXXX XXXX, directly with XXXX  and now with the Consumer Financial Protection Bureau. If this matter is not promptly resolved, I will take further legal action.

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 2021-02-08
Company: General Motors Financial Company, 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:
GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$24000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$14000.00} As a customer I have privileges that are given to me to safeguard me from mis-information being accounted on the credit report. At this time I would wish to get a previous request for assessment before I check with my lawyer for tips on the way to handle inaccurate and unverifiable things that are ongoing to be tested as accurate. Please don't hesitate to have me with a copy with the contract authorized or voice conversation where I granted billing me with this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 I sent correspondence regarding inaccurate and unknown things on my credit report to this day 63 days later I have yet to receive a response. I believe I am being taken advantage of and consumer rights violated. Per section 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between a business entity not a personal account and XXXX XXXX XXXX. I demand these transactional late payments be removed immediately or I will seek litigation due to the violation of rights and breach of contract. Remove data entered XX/XX/2023 an 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 explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: NV
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 again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Please update this inaccurate account. XXXX XXXX XXXX XXXX Balance : {$9600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Capstone Credit & Collection, LLC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Needs to be removed payment plan paid in full still reflecting on my current Credit Report. 

* XXXX - Removal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2018-02-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We purchased a home in XXXX XXXX NY in 2006. When we purchased the home the old owners new/ refinance mortgage was 6 months old after moving from XXXX XXXX ( who is now out of business ) to Chase. We are now in the process of trying to sell the home and close. The new title search company is showing that the house still has an outstanding mortgage because XXXX funding apparently failed to file discharge papers with the county clerk. Our lawyer who is doing the closing states that when the loan was paid, it wasnt assigned or acquired by whoever took over the accounts from XXXX lender because there was nothing to get. We are being told that because of all the fraud in the past that we are required to give {$10000.00} to put in escrow before we close. This money will only be used if legal actions are needed to find the missing information. I am not sure why we need to do this since we did a title search when we closed in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
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:
I just pulled my annual credit report and saw two accounts on my credit file that do not belong to me and i'm not sure where they came from at this time.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have sent my disputes to XXXX on XX/XX/2022. I called on XX/XX/2022, the supervisor told me everything had been removed from my credit report that was listed on my FTC report. I see the accounts still showing on my credit reports. These accounts are not mine. I called back on XX/XX/2022. The rep told me they had to do a dispute again I have already sent all the information in for my disputes on 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 non-monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
These addresses I have listed in my letter are inaccurate, please remove these addresses and names XXXX XXXX XXXX XXXX, pa XXXX. XXXX XXXX XXXX XXXX XXXX, pa XXXX. XXXX XXXX XXXX, XXXX XXXX. Inaccurate addresses I never lived at and inaccurate names need to be removed soon as possible whom it may concern. Inaccurate addresses I never lived at or have no knowledge of are being reported to my credit report due to this concern I am not able to obtain any credit in my name. Due to my lack of acknowledgment for these accounts, I never associated with the account or addresses as stated above. Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are 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 2022-03-28
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 Agency Act XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States that 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 consent

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 2022-03-28
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I just realized I have a hard credit inquiry from American Express even though I don't have any accounts with them. I never gave them authorization to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit bureau is not updating my correct scores. Everytime my score reaches a higher score the credit bureau will decrease my scores. I am trying my best to take care of my family and because of this issue it is very difficult to find a home for my kids and I to live. I feel like it is discrimination.

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 2022-02-17
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is follow up to complaint # XXXX Navient XXXX XXXX trying to collect on a loan that was paid in full in XXXX  as confirmed by XXXX XXXX they are reporting false information and harassing my XXXX XXXX XXXX mother who lives in a senior facility. Who does this. Why wait years to collect. If something was owed say so XXXX years ago. You didnt because its not owed. Stop sending collection letters. Update our file. Report correctly to the credit bureaus both loans ending in XXXX and XXXX. Both were paid in full on XXXX They say {$2300.00} owed then send her collection letters for $ XXXX. What kind of illegal XXXX is this. Didnt you just get sued for illegal activity. This is why. You got your money. Stop trying to say you didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: ACS Education Services
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation