BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2018-05-02
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit today and saw Southwest Credit ( SWC Group ) about a balance on my credit. They stated it was reported in XX/XX/XXXX but when I advised I moved from location in XX/XX/XXXX she then continued to advise me they received the debt in XX/XX/XXXX. I informed them that I never received any calls or notification from them in reference to the debt. She then told me they're a data company and don't have to send me a validation of debt. I asked her if she was a debt collector and she stated yes. I then advised her I was a collector and she then confirmed they are a collection agency but then quickly changed her response back to they don't have to send me anything. She then said she's going to transfer me to someone who's going to tell me the exact same thing. Was placed on hold and nobody ever came back to the line. 

I never received any communication of them having the debt and was refused a validation period. 

SWC Group Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NC
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
To Whom it May Concern : I have previously disputed ( Chapter XXXX Bankruptcy XXXX ) With you. And in response, you verified the item as accurate, stating that you have verified this information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U.S $ 1681I ). And the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( CREDIT ACCOUNT REPORTED INACCURATELY AND ERRONEOUSLY MUST BE REMOVED IMMEDIATELY ) 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 2023-05-20
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:
15 USC 1681 Section 602 states that I have the right to privacy. 
15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions. 

I am writing to dispute the following information in my credit file. On XXXX XX/XX/2023, I retrieved a copy of my credit report and discovered multiple inaccurate inquiries that I had no knowledge of. I did not apply for credit with these creditors and I have also tried to reach out to the creditors multiple times asking if they can remove the respective inquiries from my credit profile. 

If you also find that the inquiries are invalid, I am requesting that it be removed from my credit report as soon as possible. If the creditors can prove that the inquiry is indeed valid, please provide written proof and description of the investigation was conducted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello ..in accordance with the Fair Credit Repoting Act.This creditor has violated my rights.Under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose..so I'd like to delete any off my credit report. Thank you so kindly..XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: VA
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 urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
After successfully paying off my vehicle loan, I received an email and all the necessary documents from the company confirming that the loan was paid in full. They even sent me a congratulatory letter and closed the account. Additionally, I obtained the ownership title from the DMV, officially recognizing me as the owner of the vehicle. However, unexpectedly, the account was reopened, even though my bank statement clearly shows that the loan has been paid. This situation is negatively impacting my credit score, so it is crucial to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
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: Account information incorrect

Complaint:
I sent a notarized Affidavit of Fact and letter to Experian with specific instruction and updates that need to be made on my consumer file and credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains on XXXX and Transunion. Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2021-08-31
Company: Aspen Yo LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past 2 years, Gregory Funding, my mortgage collector has not made timely payments on my property taxes resulting in interest charges and fees. My City is demanding payment for these fees or I will have a tax lien against my home. I have reached out to them via phone and there is a 2+ hour wait. I sent an email through their Contact Us form and no response. I submitted the bill via an email I had previously with a tax issue and no response. These fees need to be paid by them, not out of my escrow as I did not create this problem. They are causing un-needed stress and financial problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Securities Fraud and Breach of Contract. On XX/XX/XXXX, I sent the amount of {$15000.00}, via mail as prepayment/credit on my personal wireless account to XXXX XXXX corporate offices. XXXX did not credit my account. I sent an additional amount of {$2700.00} on XX/XX/XXXX to remittance center in XXXX, XXXX, XXXX did not credit my personal wireless account. On XX/XX/XXXX I spoke with a XXXX service representative concerned about my service being disconnected, and was told she would note the system so my phone would not be turned off. On XX/XX/XXXX, I received text messages to make a payment. On XX/XX/XXXX, I emailed a Notice of Dispute and Arbitration regarding credits for the account, and received no response. On XX/XX/XXXX after XXXX received my Notice of Dispute and Arbitration, my personal/household wireless phone account service was disconnected. I am being force to make online payments via floating rate notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: LendingPoint Holdings LLC
State: OR
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 called LendingPoint to ask if they could help with my payments as I lost a job in XXXX of XXXX. 
I asked for interest only payments or some plan to ensure I stay current. 
I made it clear I could make my payments but would like help to preserve cash flows until I got a new job or received unemployment. 
They said they could pause my payment. 
They made no mention they would report my payment as late to credit agencies. 
I never agreed to that plan if they would have said we will pause the payment but affect your credit. 
I made it clear I could make my payments and did not a want my credit affected knowing I could make the payments and would have income soon. 

They then paused my payment and 2 months later reported me as late on the payment even though it was auto drafted and paid. 

On XX/XX/XXXX, I called to speak with them about the issue and they said they would open a claim with the QA department and contact me within 72 hours. I also stated that they need to hear the recording so that they know I did not agree to the plan if it affected my credit or that they did not mention it would affect my credit as I would not have agreed to that. 
I did not receive a call back within 72 hours or at all. 
The information is still on my credit. 
I called back on XX/XX/XXXX and they said the claim was submitted but no other information was given except that I missed a payment. They had no other info and would not offer any info on the recorded call or what was agreed to or not agreed to. 
They said a QA department reviewed it in secrecy and would not disclose the details of the call. They stuck to their claim my payment was late. 
Not only are these actions illegal but immoral and wrong. 

Ive made my payments. 
They need to remove the late payment remark on my credit fully, not add a not but remove it and reinstate paid on time and fix my credit. 

My credit score dropped XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have asked and provided enough information to transunion to delete personal wrong information from my 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2021-08-31
Company: EQUIFAX, 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:
I disputed and submitted an FTC report for fraudulent accounts on all 3 credit bureaus. None of the accounts were deleted. 

Equifax - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to XXXX  and TransUnion. XXXX  has deleted this account but TransUnion continues to report. I have not received an updated credit report as requested so at this time I have not received a response from TransUnion LLC. 
Please see attached documents.

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 2023-06-09
Company: AMERIS BANCORP
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX purchased my home, over paid escrow til XX/XX/XXXX. taxes from escrow were sent to county and formatted incorrectly. county sent them back. Now ameris bank is telling me they are not sure there are any funds to pay this. I had to pay taxes 5 months late. due on XX/XX/XXXX i paid them out of pocket in XXXX. Bank is now refusing to reimburse me because it has been being researched since XXXX. no one will contact me. bank will not allow me to speak with tax or escrow department. this is Ameris bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX All bills and receipts from the county were sent to research dept XXXX XXXXXXXX XXXX XXXX He has confirmed he has them, but only responds to emails 1 time a month. Same statement each time and that is " no resolution, we are still researching this ''

Company response to consumer: Closed with explanation