BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
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: Information belongs to someone else

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
on XX/XX/22 I disputed negative student loan accounts on. There are upwards of XXXX plus marks that are hurting my credit history. These XXXX and XXXX have both deleted positive accounts on my report that were not suppose to be removed and left all negative accounts that I did dispute on my report. This was not what I ask for these companies to do. Experian as always has yet to respond to any of my demands. These companies have not been playing fair or even taken any of my demands seriously.

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 2023-05-12
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:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
So I was sent a instrument in the mail on XXXXOn The instrument there is a unconditional promise to pay fixed amount of money. Once I receive the instrument I endorsed it and sent it to the company by mail an fax. On the instrument I gave Pacific instructions the company dishonored the payment. And it was never sent back with verbiage of why they dishonored the payment and payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is Lakeview Loan Servicing , LLC and working with this mortgage company has been a nightmare. It's impossible to speak with a representative, my account is constantly wrong, and when I report these issues to XXXX, they report my account to the Credit agencies. My credit is not high enough to switch to another provider. 

My calls with XXXX began in XX/XX/XXXX as I noticed my mortgage payments had quadrupled. I was able to speak with a XXXX Representative in XXXX, who instructed me to contact my countys City Government and request a corrected tax bill. Upon sending the tax bill to XXXX, I could then request an escrow analysis ( theres a credit on our tax account ). Upon updating the escrow, this would change our mortgage statement. I complied and was successful in getting a corrected tax bill from my City Government. 

I sent emails to XXXX from XXXX - XX/XX/XXXX as well as several letters via the XXXX Postal Service in XX/XX/XXXX to request corrections, so that I could make payments. I have not received any response from XXXX, other than auto-generated emails and incorrect statements, and letters indicating that I moved ( which is odd, as my address has been the same since XXXX ). 

XXXX has not been responsive in updating my escrow account or my mortgage statements. This is the second time we experienced this issue. The last time was in XXXX. I have called several times only to be on hold for 30 minutes to an hour. I have been transferred only for my call to be dropped or just to be on hold again. 

XXXX sent someone to my home. However, I did not receive a call or anything to indicate when someone would come to my home. I work outside of my home, and normally, companies provide a window when a representative would visit. 

A corrected tax bill from my countys CFO - Tax and Revenue office was submitted to XXXX and I requested that XXXX contact my countys government office ( this information was included ), to get a refund for the escrow. 

I asked that XXXX credit my account and issue a corrected mortgage statement. I sent proof of a corrected tax bill from my Countys office of tax and revenue. I sent instructions on how XXXX should request the refund. I also requested removal of all late fees as well as negative comments on my credit report. Instead, I received an email stating that my address changed ( although I have lived in my home since XXXX ). If they can send the statements to my home, why would it be assumed that my address is different? Working with XXXX has been a nightmare that I wouldnt wish on anyone. I am reporting their practices, because it has been very difficult to communicate with them, receive help, and get answers.

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 2022-07-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights.

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 This account was dismissed in 2019 by XXXX County. The judge found the case on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Personal information incorrect

Complaint:
Upon reviewing my consumer report I noticed incorrect personal information and unauthorized inquiries. the incorrect information and unauthorized inquiries will be listed below. I also attached my FTC report along with my identification. 
incorrect personal information Name XXXX XXXX correct name XXXX XXXX XXXX Incorrect addresses 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 Correct address XXXX XXXX XXXX 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 2023-08-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has been taking payments every week when they are supposed to be taking payments every XXXX weeks. They are reporting that my payments are behind but can not provide me the proof. This has affected my credit to where I have been denied a home loan. They continue to harass me and call me daily about a balance that is past due when in fact it is paid and they are not updating the payments on their end. I have sent them multiple letters and even called them to fix this on my credit and they still refuse. Hopefully me filing the complaint will work.

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 2023-01-24
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:
I am intrested in disputing all incorrect information from my credit report with experian.

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: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Affirm has reported on my XXXX report and certified twice, the last time was XX/XX/XXXX, that I owe {$90.00}. However, I paid the creditor that they sent to the account to, XXXX XXXX a debt settlement of {$63.00} on XX/XX/2023 to settle the account. I provided documentation of these payments and a screen shot of the payment updated in Affirms system to XXXX along with the dispute but Affirm has stated both times that no payment has been made. My account should be updated to {$0.00} owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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: Information belongs to someone else

Complaint:
I disputed fraudulent information being misused and being reported to my credit score with XXXX, XXXX XXXX and Equifax. I received notification that items were deleted. When i checked my credit report things on my report were changed and on positive accounts and old negative account were added back to my credit report. it seems as if the credit bureau is deliberately lowering my score. every time I send in a dispute letter, I provide identification and proof of address. They are always respond saying they need verification when I send in disputes. I am a 100 % XXXX veteran and my address if confirmed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: PNC Bank N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Have been with bank XXXX years Credit card was set to expire at the end of XXXX Called PNC XXXX XX/XX/2022 to inquire - told it was being sent Called PNC on XX/XX/2022 to inquire - told it is being sent on the XXXX Called PNC XXXX XX/XX/2022 to inquire - told it was sent - and not to worry about the end of the month, and it would be automatically extended as they were having problems with their vendor Started getting emails about Credit card not working on XX/XX/2022 from reoccurring charge businesses Called PNC XXXX XX/XX/2022 was told to bad - nothing they can, or will do about it except, send another card, ( 2 to 3 business days ) - at no charge- and again reiterated that it was a problem with THIER vendor XXXX 
I was asked about other cards- I informed them that their DEBIT card I have with them will not allow me to use it as a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX # XXXX, XXXX # 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 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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 NOTICIED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASE SEE ACCOUNT LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ALSO I NOTICED XXXX IS THE ONLY BUREAU THAT REPORTED LATE. EQUIFAX AND XXXX REPORTED THIS ACCOUNT AS PAID AS AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: MI
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 submitted multiple complaints before for the fraudulent Bankruptcy. But now, I am submitting a new complaint for the UNAUTHRIZED and FRAUDULENT Inquiries because there are MULTIPLE fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CEASE AND XXXX XXXX XXXX XXXX XXXX to a willing person, it is not a wrong CAINE & WEINER company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You CAINE & WEINER knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called synchronicity bank and tried to get them to remove my personal number XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they won't because it's attached to an account for XXXX XXXX XXXX I constantly get automated phone calls and want to remove my number and they won't.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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