BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$1500.00} I DONT RECOGNIZE THESE INQUIRIESXXXX  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 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: MO
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:
Hello. I have XXXX issues. I had a credit card with XXXX XXXX XXXX XXXX. My credit card was canceled without warning because I was a little over XXXX  days late on a separate loan. These are XXXX separate accounts, I feel that that excuse to cancel my credit card isn't valid. 
XXXX. After that credit card was canceled I was late making a payment of {$40.00} to pay off that card and XXXX  dinged my FICO score by almost 50 points for a missed {$40.00} payment. This seems really excessive. My score only increases by a few points for on time payments. Please help me to understand if this correct practices or not.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX CHAPTERBANKRUPTCYDISMISSED XXXX XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$590.00}

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX reporting inaccurate information including charge offs. According to FCRA 15 USC.1681s 2 ( A ) ( 1 ) ( A ) A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

IRS defines a charge-off as gross or ordinary income. Income does not get reported on a consumer report.

I was affected by the pandemic. Due to code, 15 US code 168s-2 Responsibilities of furnishers of information of information to consumer agencies : 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to XXXX or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 
( XXXX ) Duty to provide notice of dispute Based on these laws, XXXX XXXX is in violation of the law by reporting inaccurate information and late payments to bureaus. 
Transunion may be engaging in illegal debt practices. It has been the most difficult to remove inaccurate information from this bureau after several attempts, illegally adding and keeping information on the report that 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 2021-11-08
Company: LD Holdings Group, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Can not get through to someone who can help me login to make payment. Old login is not working and when I try to make a payment. When I call in, they tell me I should not be upset and are more concerned about my attitude then helping me. I spoke to someone who was very rude to me. I would be hung up on if I treated the employee the same way they treated me that way. This is absurd to be spoken to the way this company does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 i went to a store XXXX XXXX to purchase furniture. I bought two items totaling {$850.00} as i was going to pay i was offered a 3 month payment plan through their creditor Acima. I accepted it and was aporoved for {$1700.00} line of credit. I paid {$50.00} out pocket that day. Then they set up my payment plans to XXXX monthly for the mentioned time of 3 months. Calculating the payments they did not add up to the total amount, but i had no way of contacting thr company, other than the seller. My contract was not sent to me via email nor eas it uploaded on.the website. Til almost the last month when i had to update my card info, and they contacted me i was explained that my remaining balance was way more than what i bought. The reason being that was supposed to pay the remaining amount without knowing to cover the total amount purchased in 3 months. This is a fraud because they intentionally put my monthly payments to XXXX instead of the amount totaled divided in three. This being because if the total was not payed the amount of XXXX would extend 12 months more without notice. I was never noted this from thee seller nor the company. A {$850.00} total now is being added {$1000.00} plus tax. I believed i was lied too, to lure me in their system by falsely promoting a 3 month pay system when they intentionally make it not payable in the 3 months mentioned and extreme interest maki g them gain so much from their clients. Im sure im not the only one. This company needs to be stopped. Its not fair that during these hard times companies like this one are taking advantage of us by falsely advertising promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: GA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/. 
Inquiry from XXXX XXXX on XX/XX/.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: NC
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:
I was denied usage of a debit card by XXXX. They said I should contact Equifax Information Services LLC for a free credit report to investigate the decline. I tried to create an account with my.equifax.com, but was told I could not and had to contact the company by telephone. I called and spoke to a representative. She asked a series of questions and I provided my mobile phone number, email, address, date of birth, social security number and uploaded pictures of my id card and a selfie. After doing this 2 times, due to " errors '', it was successfully uploaded. However, the rep instructed me that it did not work and that I would need to mail the documents and my SS card to XXXX Georgia for further verification. 

I asked to speak to a superviser, as I do not trust sending my Social via snail mail. I was placed on hold for XXXX minutes. I was kept on the line as they agent promised each time that I would only need to wait XXXX more minutes, which turned into a much longer wait. 

I finally gave up and hung up the call after XXXX minutes of wating. 

The reporting service has an obligation to protect credit information and privacy by using modern tools to provide fast and secure service. This apparently is not how Equifax operates today. 

The rep name was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXefferson Capital have been sending me letters stating I owe a debt that I do not owe. I have no binding contract with their company. I have never done business with Jefferson Capital. I have sent them letters asking that they validate the debt and instead they continue to send me letters giving me payment options to settle a debt that is not mine. This negative account is reporting on my consumer credit report tarnishing my reputation and its becoming depressing/stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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. 

Account name : XXXX  Account XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 a 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 2023-08-10
Company: Cascade CISS Holdings, LLC
State: CT
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 don't know what Xactus is and why they on my credit report XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Kentucky Higher Education Assistance Authority
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Kentucky loan authority bought the loans from New Jersey. I did not sign the contract and they are trying force me into a contract. My loans are current and now they demand payment of the loan balance in full. Even though under the Cares Act I could defer my loans I have not. I continued to make loan pay me ts in time. Strong arm tactics and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB agent, I opened a case with US bank and I was very frustrated on how they handled my case. It was a violation on my Client agreement with them when I opened the account and for some reason my account information or data was changed or manipulated by the bank 's Fraud Dept : 1. ) On Overdraft Coverage/Protection : I never opted for an overdraft protection when I opened the checking account I filed a case on, There was no verbal or written authorization from me. Despite that that they paid an ACH item for {$5000.00} on XX/XX/2020 that was unauthorized. They took {$4200.00} from our savings account to my checking account to cover a {$5000.00} ACH item that overdrew my account - {$710.00}. I made sure through online banking that I did not have an overdraft protection. I never had overdraft coverage on all our accounts and on XX/XX/2020 I received a message from the bank that my account was changed to a marked " YES '' for an overdraft protection coverage, this was the same date they denied my claim.I never changed any of my banking terms on-line. We can investigate on this and get an audit log of the who is made the changes. 

2. ) On Alerts via text or email messaging : I opted for this and we've been getting alerts but not on the {$5000.00} item that was paid on XX/XX/2020. 

3. ) On the Fraud Dept errors : I opened a case on XX/XX/2020 but it was declined then closed, and the item was returned with " insufficient funds ''. I was told that the item the case was opened with was the wrong item since there were other {$5000.00} items returned unpaid on the same date, also unauthorized. So they opened a new case on the correct item that went through and paid. XX/XX/XXXX. Then it was again declined and closed. There was a total of 4 cases opened and declined due to bank errors 4. ) On Provisional Credit : I have received the form to be signed a day before they expired for a provisional credit, this happened 3 times. To meet the deadline I faxed these signed forms at the branch. They also instructed me to send the original via certified mail and I did. They never gave me the credit despite their mistakes. 

This has been very stressful to me and I told them they will hear from my lawyers and will report them to CFPB. I want you to do what you need to do since you are the authority responsible for unethical and negligent acts of this financial institution. How they're handling the case and treating me has been discriminatory. I hope CFPB is far from discriminatory as expected. 

Mrs. XXXX XXXX XXXX ( XXXX ) XXXX Realtor/Loan Officer XXXX  XXXX XXXX XXXX XXXX XXXX DRE # XXXX NMLS # 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 2023-09-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt validation letter was sent to CREDITORS COLLECTION SERVICES ON XX/XX/2020, certified with regard to a debt that appears on my credit report. CREDITORS COLLECTION SERVICES responded by letter that was received by me on XX/XX/2020. A response letter was sent back to CREDITORS COLLECTION SERVICES ON XX/XX/2020. The response that was sent to me a statement not a signed invoice had two different amounts on it for XXXX, and then XXXX for patient balance due, and then XXXX on my credit report. I have not received a response from CREDITORS COLLECTION SERVICES with the proper documents. 

What is reported on credit report : XXXX XXXX OF XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted requests to have an inquiry to be removed from my Experian Credit Bureau report ... .no response from Experian . I will attach the letter with this complaint.

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 2020-08-13
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have these on my credit report reporting on my collections. I have two exact same amount from XXXX  and FRANKLIN COLLECTION SERV. I never got anything in the mail or was contacted about this. I am not sure how old this is or if it even belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: MI
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:
Theres two inquiries from XXXX on my credit report that I do not recognize. XX/XX/XXXX and XX/XX/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 2020-08-13
Company: DISCOVER BANK
State: MI
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:
Inquiry from Discover Financial on XX/XX/XXXX and XXXX, XXXX, XXXX. I do not remember giving authorization to this lender to do a hard inquiry.

Company response to consumer: Closed with non-monetary relief