BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: IN
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-02-24
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 information incorrect

Complaint:
I have a Mortgage with XXXX XXXX  XXXX, owned by XXXX XXXX XXXX and fell behind due to Covid-19s causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Interest Rate and a Longer Term offered by Mtg Co to Make more Money off me and maybe think they can get my House if I fail to make the Payments in the Future in Lieu of Foreclosure after 10 Plus Years, I was helped by a Family Member and Ended the Repayment plan after 5 Payments on XX/XX/21 and brought Acct Current as of said date, as of today XXXX  has Reported to the Credit Bureaus that my Last Payment was on XXXX/XXXX/21, continuing to Report my Now Invalid and not in Effect Higher Repayment Mtg Payment Amount of {$1300.00} instead of {$810.00}, also the {$3800.00} Payment I made on XX/XX/21 is Reporting as an Increase in my Mtg Balance instead of a Decrease even though on their Website the Info is Accurately Displayed and Current. 
This action has caused my Credit Score to Drop 47 Points making it Extremely Difficult for me to XXXX XXXX XXXX and Cut Ties with this Co, as it seems they are making it very difficult for me to leave, I think the Mtg Co is trying to get back at me and Sabotage my Credit Reporting for their Predatory Behavior I outlined in my earlier Complaint Filing # XXXX Submitted on XXXX/XXXX/21. 
I would sincerely appreciate if someone could take a look at this Co XXXX XXXX Practices towards their Customers, the XXXX. 
I am even thinking of reporting this matter to the XXXX XXXX XXXX and The NY XXXX. 
This action taken by the XXXX Co and XXXX XXXX has affected me both Psychologically and Financially Extremely. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: PlusFour, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
About 2 months ago, upon getting a notification from XXXX XXXX that there had been a change on my credit report, i discovered a collections account listed as Plusfour for {$25.00}. I immediately proceeded to look up the company and contact them to resolve the issue, as quickly as possible, since I had never been contacted by them nor did I know what this outstanding debt was for. When I spoke to a representative I confirmed my address ( which was incorrect in their system since I had recently moved XXXX ) as well as my phone number, which was still the same. At that time she informed me she could not discuss my account with me because I was no longer a XXXX resident and they were not licensed XXXX. I told her I understood and asked what i needed to do to proceed. She said they would be transferring my account to a company that was licensed XXXX and that it could be XXXX5 days. I waited almost two week and then called Plusfour again because I had still not heard from anyone and I was eager to resolve this, since this was still a negative remark on my credit score that had lowered my score by XXXX points. Once again I was told that they could not discuss my account because I resided XXXX, but the representative did provide me with the phone number with the company that was now handling my account. I went ahead and contacted the XXXX Debt company and was told by the representative that according to her records they did not have any outstanding accounts associated with my name, SSN or phone number. Once again I called Plusfour this time to inform them that the company whose phone they gave said there were no accounts for me. She verified that she gave me the correct information, which she had. I asked to speak to a supervisor and was told he was not in but that he he would review my account, contact the colorado company and then follow up with me, which he never did. 

Almost 2 months have gone by and I have still never been contacted by anyone in order to resolve this issue. As someone with a credit score over XXXX who has never had an account in Collections before this, I am now infiruated that this negative remark is still on my credit report and that although I have done everything in my power to find out what it is about or how to resolve it, i have been unable to. Plus XXXX never called me once in regards to this account before reporting it to the credit bureau, in fact they 've never called me at all. I would have resolved it before it ever got to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Made a request to have late payment incorrectly posted by XXXX XXXX XXXX XX/XX/2018 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 non-monetary relief
Consumer complaint received 2016-10-14
Company: The Collection Bureau Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX had a contract with me and a ruling was if a move a particular radius of miles away, i can cancel the membership. I have moved from XXXX to XXXX and provided sufficient proof of move by sending them documentation of my new address, they still attempted to collect the money first because they wanted me to pay more months that i did n't owe after closing the account and later they told me they did n't get the proof and when i provided them with documentation that i did, they changed their argument to my proof of address was submitted to late. A year later i had contacted them again and they had come up with not ~ {$300.00} anymore but ~ {$2300.00}. I do n't believe i even owe them the first amount because the contact was set that if i move, i can cancel the membership and i did everything accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Sherloq Group, Inc
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, XXXX canceled my appt. I exclaimed the termination and they had said not to worry, since I spoke with billing each time " no worries '' w/apologizes, now continues bills from collection agency. I do not owe, they were going to make it the one day retro active..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Concord Resolution Inc (Closed)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting the same calls saying I owe XXXX different debt, when I ask for information on them they wo n't give me any infor unless I give verify my social security number. I tell them I wo n't but just give me the name of the debt I owe & they say unless I give them my SS # they ca n't release that information. I then asked for the name, address & Company info & they refused to give it to me. The company name that comes up is Concord Resolutions. They tried this a while back but I told them I was going to report them & they quit now here they go again.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2017-03-07
Company: Southwest Credit Systems, L.P.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Southwest Credit Systems inserted a prior deleted XXXX bill, erroneous info ... date of original fraudulent account was in XX/XX/XXXX, they reported it as a new date ... disputed it with XXXX, and still there as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently reviewed my credit report and found a discrepancy with the reporting of my student loan on my credit report. XXXX was showing that XXXX XXXX was reporting that I was 90 days past due on my student loan back in XXXX of XXXX, however I could not have been 90 days past due because I entered into deferment on XXXX XXXX XXXX due to me being on XXXX XXXX with the XXXX XXXX. I entered service on XXXX XXXX XXXX. I completed an online dispute through XXXX and the results came back on XXXX/XXXX/XXXX showing that I was responsible for the late payments. The reporting of me being late with my student loan payments has aided in me not being able to obtain a VA home mortgage loan. I feel like even though I am serving my country, it is not right for XXXX XXXX to report incorrect information that is stopping me from obtaining my American Dream. I would like it if XXXX XXXX ( now Navient ) would remove the 90 day late payment from all XXXX of my credit reports from XXXX. I would also like it if they would do this in a timely manner. According to the Fair Credit Report Act, the Credit Agencies are to ensure that they report the correct information, reporting that I was 90 days late in XXXX while in deferment since XXXX is not right and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The company name is XXXX XXXX XXXX, here is their website : https : XXXX XXXX They offered me a model job through instagram, stating that they will be giving me {$5000.00} in total, but that I have to give 50 % upfront payment after receiving their {$5000.00} check. On the first day, XX/XX/XXXX, I received {$2000.00} deposit check, and gave back {$1500.00} through XXXX. The next day, XX/XX/XXXX, I received {$3000.00} deposit check, but didnt give back any money ( as the XXXX XXXX have failed and that I have realized I was being scammed ). I called the bank immediately, the bank warns me that they have given me bounced checks, and it has been proven since the first {$2000.00} have already been bounced from my bank account. Yesterday, the frauds were still messaging me saying that if I dont give back the right amount they will be reporting me as fraud, later that day the account officer of the company ( also the person who gave me the checks ) states that the Agency Accounts Department has encountered a problem with the checks sent out. We have been instructed by the FBI to hold all payments for now while the issue is being investigated. 

As Im seeing it, at least two people are involved in this. One person who contacted me through instagram, going by the name XXXX XXXX, and another account officer going by the name XXXX XXXX XXXX. 

Most likely, I have already lost {$1500.00} ( after the {$3000.00} check gets bounced ).

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 2017-02-23
Company: General Credit Services
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
We moved out of XXXX XXXX at the end of XX/XX/XXXX. Around XX/XX/XXXX, we got a letter in the mail from a credit agency trying to collect almost 3,800 from us for XXXX XXXX. Right away, I called the trailer park & spoke to XXXX, the manager, & she wax very rude to me. I asked her why she had gone almost a year without ever trying to contact me to give me a chance to discuss this matter and/or pay what damages we are responsible for & why she went straight to the credit agency, almost a year later, without every contacting me first, & her exact response was, " I do n't gave an answer for you ''. I want to stress the fact that XXXX XXXX has always had my phone number & address. I know this for a fact because, even while we lived there, we used our current address for mailing, & always recieved any mail they sent us. My phone number has never changed either. She never tried contacting me in any way to discuss & take care of this matter within the 11 months after no longer living there, & went straight to the credit agency. We moved in to that trailer park with different managers at the time who put us through so much & we ended up accepting certain damages as is, at the end of XX/XX/XXXX. I feel like XXXX, the current manager, is charging us for damages we moved into & this amount of money is absurd, let alone the fact she never contacted me within 2 weeks to inform me of any fees. We were always very good tenants & never caused any problems. I wish for this to be handled legally & with appropriate ethics, which is should be. My name is XXXX XXXX. My boyfriend is XXXX XXXX. & my phone number is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent the the attorneys, XXXX, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed these items for years and have filed with the FTC in XX/XX/XXXX and have also filed XXXX police reports since then and the companies refuse to remove and tell me that they have founded the accounts to be mine. They sent me statements after statements but I explained to them that they are not mine. I asked for a signature and they still have not sent me proof of signature or something concrete to prove the reason why they are insisting they are mine. The rest of the debtors have released the debt from my file but XXXX, XXXX, and XXXX XXXX ( comenity bank ) still persists.

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 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To be delivered to each Credit Reporting Agency. This is not a duplicate. 
On XX/XX/2017 I disputed an erroneous account appearing on my credit report. Refer to CFPB case # XXXX. The errant line item is # XXXX pertaining to XXXX. XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, this item must be immediately and permanently deleted from my TransUnion 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 explanation
Consumer complaint received 2017-03-20
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have come to the understanding that Syndicated Office Systems and Central Financial Control are one in the same. However, they are each on my credit score as seperate Company names, but with the same XXXX accounts and amounts for each. I will not pay the same bill twice through each company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021

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 2017-03-25
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a Chase card that was opened in my name that I did not apply for. The account was opened on XXXX/XXXX/16 with a {$500.00} limit. I have never received this card nor any correspondence from Chase regarding this card. To my knowledge, this card has never been used. When I called Chase directly I sat on hold for a very lengthy period of time because I did n't know my account number ( I was never issued a card! ) only to be told there was nothing they could do to help me because I did indeed open the card. I asked to speak with a supervisor to explain that my social security number has been misused more times than I can count and the only response that I got from the supervisor was that all I could do was close the account. That is not acceptable to me. I did n't request the card, I did n't open the account, and I want it taken off my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2017-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This account was deleted from my one of the credit reporting agencies that I filed the dispute with because it could not be validated but yet it stills remains on my Experian credit report and it was deleted from my XXXX and XXXX because they could not validate the debt. I will like this investigated and for this account to be 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