BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

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 2023-10-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/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  XXXX {$21000.00} XX/XX/XXXX XXXX  XXXX XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$240.00} 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 explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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 2021-05-12
Company: EQUIFAX, 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:
I disputed in XXXX several accounts that are not mine and several others that I was never late on. Also unauthorized inquiries. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Crown Asset Management , LLC and XXXX. XXXX XXXX XXXX. for amount of {$2300.00}. I had sent Crown Asset Management , LLC a debt validation on or about XX/XX/2017 who Crown Asset Management assigned or sold the debt to XXXX  XXXX XXXX XXXX, XXXX to collect the debt. The debt validation was sent to XXXX  XXXX XXXX XXXX XXXX , XXXX and they did not respond to my demand. Now Crown Asset Management , LLC assigned or sold the debt to XXXX. XXXX XXXX XXXX. and XXXX. XXXX XXXX XXXX. is now suing me. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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 status incorrect

Complaint:
There were 2 XXXX XXXX XXXX  credit card accounts, both were closed by XXXX XXXX and referred to 2 different 3rd party collection agencies in XXXX, even though I had informed company I had been a victim of Covid19 employment loss. I am in current repayment status for the account with an original amount of {$1600.00} as a credit line. The company I am in repayment status with is XXXX XXXX XXXX. I have been paying {$50.00} per month since XX/XX/XXXX and have not missed a single payment. In XX/XX/XXXX, I found that an email had been sent to me indicating that another company XXXX had assimilated another account of mine in the amount of {$1000.00}, and XXXX XXXX XXXX  had no further ownership of either accounts. My credit score in XX/XX/XXXX suffered a score loss of XXXX points from all 3 bureaus and despite repeated disputes, XXXX XXXX is still showing that I have missed 2-3 payments on an account they no longer own. Due to this, my score has dropped so far I am unable to take out a debt consolidation loan to clear my outstanding debts. I have called XXXX XXXX, XXXX, submitted disputes to XXXX, XXXX, and Equifax, all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Unauthorized use of my credit report. Please see attachment

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 2023-03-21
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: Personal information incorrect

Complaint:
I am contacting you because I am concerned about the accuracy and honestys of your companys data. As per FCRA section 611, we must have accurate records on the file with those who rely upon them most, including customers and potential lenders and employers. 


I would appreciate it if you could take care of any names listed incorrectly in your database. My name is XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any old addresses in your system that varies XXXX XXXX XXXX XXXX North Carolina XXXX. It will ensure the database has accurate information about me.

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 2023-02-22
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-05-12
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:
I received an inquiry alert from XXXX regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been 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 2022-07-27
Company: EQUIFAX, 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 am appalled by the Credit Burueas ' ability to ignore a consumer requests for investigation and removal of the the items on my Credit Report despite the multiple letters I have been sendiong to them! The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Personal Information such as Driver 's license and SSN. I also attached the ID THEFT REPORT I have received from the FTC to prove to the Credit Bureaus that I am a victim of Identity theft. But despite all my efforts to and these attachents, I came to a conclusion that the Credit Burueaus are stubborn enough to not comply with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as an items incurred due to Identity Theft. I am submitting this complaitn through the CFPB to excerciseand protect my rights under the FCRA regulations. If the Credit Bureuas chose not to comply with the FCRA and keep on ignoring my letters, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for their incompetence and negligence. I need the following items removed as soon as possible! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX  XXXX Bankruptcy / XXXX / {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$300.00} XXXX XXXX  XXXX Balance : {$630.00}

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 2022-03-30
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Hello, I wanted to contact you because I believe I have been a victim of fraud, not sure. I was in an emergency and was applying for a funds through a third party network. In the midst of needing help- I think I may have fallen for a scam. The person gave me the following information Freedom Financial Asset Management , LLC, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX loan officer. He told me they needed to up my credit score XXXX points so to purchase a gift card with fund they deposited. I did so- thinking it was part of process. I didn't initiate any reversal for the payments I see on my card at the moment. I asked for a copy of the agreement and nothing has been sent. Id like to report this and if I need to do anything? I do not want to end up in legal issues- I didn't authorize reversals for the charges im seeing being reversed. I asked for the copy of the agreement and waiting on it. will send as soon as I get it. Im not sure who to contact in case this ends up being fraudulent, thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage balance was $ XXXX and I had originally purchased my home for $ XXXX. When my income unexpectedly stopped in XX/XX/XXXX, I immediately listed my home for sale, as I knew I would be unable to afford my mortgage payments. As it was the height of the housing crisis and banks weren't lending, I was unable to sell my home and recover any of my equity. In XX/XX/XXXX, I was no longer able to pay my mortgage as I had no income, had exhausted my savings keeping up with mortgage payments and could not find employment. After 3 months in XX/XX/XXXX before foreclosure was initiated, I received a settlement from a class action and contacted XXXX XXXX, the servicer, to satisfy the arrears and get current, hoping that the market would recover somewhat and I would be able to sell the house. XXXX XXXX told me they would not accept the payment. It has been 10 years. I was constantly applying for hardship loan modification once I found employment since my mortgage was 6 7/8 % interest only with no success. At the ultimate foreclosure trial in XXXX, the judge ruled that since I provided evidence that corroborated the banks ' unwillingness to take my payment & avoid foreclosure, they could not accelerate the mortgage. As the market recovered, I have always had some equity in the house and found buyers to pay off the mortgage but obfuscation and withholding of information by the bank interfered with the process. XXXX XXXX kept me tied to a house I couldn't afford so that now, I am actually underwater on the mortgage. XX/XX/XXXX, a new servicer was assigned to the mortgage and I attempted to work with them on a short sale. I immediately found a cash buyer for $ XXXX when the mortgage balance they were looking for was $ XXXX. It has been 3 months of runaround. I had 2 backup offers that I lost because of the delays and runaround from the servicer. This is a nightmare. I have lost everything I invested and the bank is making almost a 100 % return on their $ XXXX investment. They claim not to receive information, misplace or lose records and plain out lie. Meanwhile, every month they are looking for an additional {$2900.00} of my equity for a mortgage payment. I have done everything I could to try to satisfy the loan. get out of a home I can not afford to maintain, and recover some of my original equity for almost 10 years. I am almost XXXX years old, raising my granddaughter alone after the death of her mother from XXXX and need to get control of my financial life. My situation is complicated but I need help and feel that there is no one to go to. The legal system failed me. The attorney 's & realtors I work with are similarly frustrated. I don't know how these banks are able to do this to a person. The only one who is losing anything is me and I could really use some help. Thank you.

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 2022-09-19
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back in XXXX, I had a judgement filed against me on XX/XX/XXXX. I did not receive notice of this court date or where to appear. In regards of me not appearing to a court date that I had no knowledge of, a judgement was entered in the amount of {$1700.00} ( Cause No. XXXX XXXX by XXXX XXXX XXXX XXXX  on the behalf of Midland Funding XXXX LLC. This judgement was placed on my Business Credit of XXXX XXXX  as a Lien and on my Personal Credit Report as a judgment, Herein, this has been updated as of XX/XX/XXXX. 

I have tried to dispute this several times off of my Business Credit report. It was disputed off of my personal credit. 

However, I have recently researched that Midland Funding, LLC is not licensed in the State of Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One case XXXX XXXXXXXX ( contact for full number ) was opened to request the removal of charged interest. XXXX XXXX month XXXX  % promotional period expired on XX/XX/2023, and {$190.00} interest was billed XX/XX/2023. Seems simple enough, promo expired, payoff date was missed, so interested was billed. A request was made to remove the interest and it was denied at all levels at Capital One. The reason for the compliant ; Capital One does not disclose promo expiration date on the statements and it is not disclosed online. A call was made on XX/XX/2023 at XXXX PM ( XXXX ) as soon as the {$190.00} interest charge was seen, XXXX day after it was posted. Associate XXXX XXXXXXXX took the initial call, forwarding it to a XXXX  accounts supervisor named XXXX. They stated that the only way a consumer will know when the day the promo expires is to call Capital One. It never has and never will show up on the statement and can not be found online. XXXX bumped the request to removed the interest charge internally for further investigation ( see case # in first sentence ). On XX/XX/2023 the $ XXXX account balance was paid in full, except the disputed interest. On XX/XX/2023 the case was discussed with associate # XXXX, stating that the request to remove the interest charge is denied. All associates at all levels were polite.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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 status incorrect

Complaint:
Superior FCU should not be reporting to Equifax ; XXXX  and XXXX  a collection/chargeoff in the amount of {$570.00} on the SUPERIOR FCU partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was paid off by the insurance company and should not be reporting as a collection/chargeoff. I have attached a copy of the payment history and any outstanding balance that was due was paid by the insurance company. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus as well as Superior FCU to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in 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 2022-09-19
Company: Experian Information Solutions 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:
1 ) ACCOUNT NAME- XXXX XXXX  - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 


2 ) ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT NUMBER- XXXX DATE OPENED - XX/XX/XXXX REASON FOR DISPUTE - REPORITNG LATE XXXX AND IT IS INACURATE : 15 U.S CODE 1666 - CORRECRTION OF BILLING ERRORS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORTS. 
I NEED TO REMOVE THESE LATE PAYMENTS!!

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