BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
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:
XXXX XXXX XXXX is being reported inaccurately on my report. I contacted XXXX XXXX  to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: MD
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:
Spoke to XXXX XXXX after making an inquiry on XXXX XXXX. Told them I did not want to go forward with an application and I don't consent a hard pull. They have this recorded and they confirmed it. 

They pulled my Experian Credit Report. 

I contacted them to correct and they said they didn't know how. I contacted Experian, but you can't dispute an inquiry online. I called, but their phone tree isn't working. Tried several times with several different phones. It makes you say or input your SSN, but doesn't recognize it when you input it.

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 2018-08-26
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 am a victim of the XXXX data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of the XXXX  data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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 went to XXXX XXXX XXXXXXXX to shop for an XXXX. As I was getting ready to pick the one I  wanted I sat with my sales man, He told me I had to get my credit pulled to see if I was able to finance the XXXX. We took a look at my credit report and the items listed on my report do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: I.C. System, 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:
IC Systems Inc. has continued to reflect a derogatory account entry on my XXXX credit report despite my efforts to challenge the validity of such. IC Systems has not once notified me of this alleged debt in writing. In particular, per FCRA, I was supposed to have received a dunning letter from them whereby I would have had 30 days to dispute the validity of such account. To date, I have yet to receive anything from this company. I have never heard of this company, nor have I ever conducted any business with this company. The mere fact that they blatantly placed this erroneous entry on my credit report and continue to report it is causing further detriment to my creditworthiness. 

In my review of this account entry, ( see attached documentation ), as IC is reporting on my XXXX   credit file, they stated that the account was opened in XX/XX/2017 and they started reporting in XX/XX/ 2017.  How then, did they allow 6 months as per the Affordable Care Act for any insurance payments to process? They did not provide the financial responsibility statement nor any documentation to support or justify this alleged debt. 

In short, this entry is erroneous and unverifiable and must be DELETED immediately due to IC Systems forfeiting my rights under consumer law.

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 2018-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was receiving 2-5 calls per day. After asking them nicely to stop, the calls continued. I blocked at least 5 of their numbers but new numbers continue to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: Avant Credit Corporation
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 unfortunately was a victim of identity theft. On XX/XX/XXXX a total of 6 unauthorized requests for credit was made in my name to a number of different online lenders. Gladly no fraudulent accounts were ultimately opened from this attempt. I have successfully removed all credit inquiries from my credit report except for the 2 companies outlined below. Both companies will not respond when contacting their fraud group and requesting status of the inquiry removal. I have supplied all the information they indicated as required to resolve this issue. I originally reported these concerns to the companies below in XXXX of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX Acct XXXX ( Experian, XXXX  ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX  ), XXXX Acct XXXX XXXX Experian , XXXX  , XXXX ), XXXX XXXX Acct XXXX ( Experian , XXXX , XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( Experian , XXXX ),  XXXX XXXX Acct XXXX ( Experian , XXXX  ), XXXX XXXX Acct XXXX ( Experian ), XXXX Acct XXXX ( Experian , XXXX , XXXX  ),  XXXX XXXX Acct XXXX ( Experian , XXXX  , XXXX  ), XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX ), XXXX Acct XXXX ( Experian , XXXX  , XXXX ), XXXX, XXXX Acct XXXX ( Experian ), XXXX XXXX XXXX Acct XXXX ( Experian , XXXX , XXXX ), XXXX XXXX Acct XXXX ( Experian , 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 non-monetary relief
Consumer complaint received 2018-06-21
Company: LD Holdings Group, LLC
State: MD
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:
Spoke to Loan Depot after making an inquiry on XXXX XXXX. Told them I did not want to go forward with an application and I don't consent a hard pull. They have this recorded and they confirmed it. 

They pulled my XXXX  Credit Report. 

I contacted them to correct and they said they didn't know how. I contacted XXXX, but you can't dispute an inquiry online. I called, but their phone tree isn't working. Tried several times with several different phones. It makes you say or input your SSN, but doesn't recognize it when you input it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
{$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name GOLDEN 1 CU Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$690.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX  Times XX/XX/XXXX Days Late XXXX Remarks Canceled by credit grantor ] ] ] I would love to resolve this and remove from from credit. As I am new to credit and would greatly help you benefit in the future.

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 2022-10-06
Company: EQUIFAX, INC.
State: NY
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX  XXXX XXXX XXXX Open Date XX/XX/2005 Balance : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been disputing with Transunion since about XX/XX/XXXX. They started responding to my request after they have sent me numerous letters from the months of XX/XX/XXXX-XX/XX/XXXX. Stating that my debt is accurate and verified but they have yet to provide me with any proof of the accuracy and the method of verification a list of accounts I need verified are below. 

XXXXXXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXXXXXX XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX  account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

XXXX XXXX XXXX XXXX account # XXXX-Please provide original instrument of indebtedness bearing my signature. 

My most recent dispute attached below please review

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today, XX/XX/18 around XXXX XXXX I called Paypal credit to inquire about a late charge on my XX/XX/XXXX statement of {$38.00}. A payment of XXXX was due by XX/XX/18. I routinely pay {$60.00} every two weeks for a total of {$120.00} per month. I paid 120 for my XX/XX/XXXX statement when {$100.00} was due and was still charged a late fee of {$38.00}. The initial clerk could not explain why this happened and forwarded me to a supervisor named XXXX ( no sure of the exact spelling. ) She refused to remove the charge and would not listen to what I had to say. I am happy to provide you with a copy of the statement. 
Thank- you XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions 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:
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. Experian, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from Experian and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.

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 2017-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw XXXX new hard inquiries XXXX/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.

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 2018-03-27
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account first showed as a collections account on my credit report.I never had any relationship and/or correspondence with this company prior to it showing up on my credit report and I have yet to receive anything from them. I disputed the account and now it is showing as " closed '' on my credit report. I have no contract with this company and I am requesting that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was charged a late fee for XX/XX/2019, of {$36.00}. Also for XX/XX/2019, {$36.00}. I Called Lakeview loan, and the girl said she could only refund about {$29.00} dollars, and that the late fee was from XXXX. She said I wasn't charged a late fee for XXXX. I've had to call every month about this problem of late fees. I informed them that I get paid the second Wednesday, of every month, and that I mail my payments in 6-10 days before it's due on the XXXX. They don't process my payment until the XXXX. I know the post office is on time. They're just not processing my payments so they can charge me a late fee. They want me to set up automatic payments from my bank account so they can draft payments. They're too dishonest for me to let them have access to my account. Also I've put over {$200.00} dollars extra in my escrow account that I don't understand what they did with it. They have slowly been increasing my monthly payments. My payments should only be {$890.00} a month. I don't have an amorization schedule. Everytime I've asked for one, and that was from XXXX XXXX XXXX, and XXXX XXXX, they ignored me. I have yet to ask Lakeview for one. They don't even properly apply payments to my principal.

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 2022-01-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I submitted a dispute to Experian dealing with the following accounts asking for the original signed contract. I never received anything back within the 30 day period. I then sent in another 30 Day Demand letter asking for the original contract again. I still have not heard anything. Under the FCRA, failure to hear anything back within a 30 day time period, should be an automatic deletion. Furthermore, being that I have received no validation or verification should also result in an automatic deletion!! XXXX XXXX : XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-11-16
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received a XXXX  XXXX  from XXXX XXXX in XXXX, Maryland. I later received a statement from XXXX indicating that I owe {$0.00} to XXXX XXXX for said XXXX. XXXX paid a contracted portion to XXXX XXXX. I also received a statement from XXXX for XXXX indicating that I owe {$0.00} to XXXX XXXX for the same XXXX. XXXX XXXX  XXXX paid their contracted portion to XXXX XXXX. 

In early XXXX I started getting statements from XXXX XXXX, saying that I owed them money -- approximately {$59.00}. In response, I MAILED, in hard copy format, the two statements ( from XXXX and XXXX XXXX  XXXX XXXX stating that I owe {$0.00}. I continued to get bills from XXXX XXXX. 

I then called XXXX and explained the problem. They stated that they were going to send a letter to XXXX XXXX informing them that they are in violation of their contract. Shortly after, I received a letter from XXXX stating that I am not liable for the charges. 

I then received a letter from the collection agency, Receivables Management Systems. I immediately called and left a voicemail for a dispute resolution specialist. Days later she returned my call and said that she would call XXXX XXXX. 

Then I received another letter from the collection agency saying that I was going to be reported to the Credit Bureaus. 

I called AGAIN, spoke to a different dispute resolution person. She would not listen to me. She only believes what XXXX XXXX sent to them -- which is false and in error. 

Clearly, I owe nothing. I have PROOF that I owe nothing. 

The collection agency sent me an additional letter stating that I claimed identify theft. I never said such a thing!!

Company response to consumer: Closed with explanation