BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
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 closed my XXXX Visa card. Please be clear it is a Visa card with XXXX. I also have a DEBIT card with XXXX and that is not related to this. I closed my XXXX Visa card on XX/XX/XXXX. XXXX XXXX   states they reported the card closed per my request when I closed it. Now I have an inquiry into my credit by XXXX XXXX. XXXX XXXX  states it should not be an inquiry as their history/records show there was not an inquiry only a report. XXXX  does not show the inquiry on my report. EXPERIAN DOES SHOW THE INQUIRY BY XXXX ON XX/XX/XXXX. 

Something is not adding up. The XXXX inquiry will not fall off for two years, i.e. XXXX. No one asked me to make a hard inquiry or informed me one would be made. And as of today, XXXX can not explain how the inquiry was generated to show up on my credit. I want it 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 2023-01-27
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent several letters asking this bankruptcy to be verified. I have a letter from the US Bankruptcy court stating they did not report this information to my credit report. When asking to have them verify they continue to send a letter stating verified. I have asked for documentation showing this is my account and nothing has been sent besides a letter stating " verified ''. I have tried numerous times and nothing has happened. The response I get back aren't even where it's possible that they have verified. The response is less than a week between date of them receiving my request and the date of them responding. 
I would like it in writing that my account was verified with the US Bankruptcy court, who they spoke with that confirmed this information, with the date and time the conversation was held.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Wrong dates from when account was opened and closed. It shows that it was reported XX/XX/2020. I have not had XXXX XXXX XXXX XXXX in over a year ago. The service was horrible for the cellular service always dropping calls. I had XXXX that if the wind blew too hard I would lose my satellite signal and wouldn't be able to watch TV. I told them that I was not happy with the service I was paying for and canceled the service. I was then told that I needed to return the equipment which I did and they are still trying to get me for {$2400.00}. The service was the worst i have ever had and I would not pay for services that I could not use. All equipment was returned to them in the boxes they supplied with postage paid labels.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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, 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 an account without my written instructions

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 2020-09-10
Company: Experian Information Solutions Inc.
State: CO
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 ; Experian and XXXX should not be reporting that I am ( 120-150 ) days late on the XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion should not be reporting that I am ( 120-150 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-10
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: Investigation took more than 30 days

Complaint:
I sent a letter to this company on XX/XX/2020 disputing unknown and incorrect items listed on my credit report. As of today, XX/XX/2020, I still have not received any response and I feel that they are taking advantage of me and not adhering to the law. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted right away. I am requesting help from the CFPB with this company in order to have these unknown accounts deleted immediately. If the company does not comply even with help from the CFPB, I will file for litigation regarding the stress and pain this situation has caused me. I also informed these companies that my information was impacted by the recent XXXX data breach and I suspect this contributed to inaccurate items on 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 2018-07-18
Company: Mendelson Law Firm
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX unauthorized Bank Garnishment XXXX from savings account bank charged XXXX fee caused account to be negative XX/XX/XXXX unauthorized Bank Garnishment XXXX from checked account charged XXXX fee by bank for garnishment caused account to be negative Never received Full validation of debt or notification of Garnishment

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 2018-07-18
Company: Consumer Portfolio Services, 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:
On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. Consumer Portfolio S ( Auto financing ) inquiry from XX/XX/2018 2. XXXX ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. Consumer Portfolio S ( Auto financing ) inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2017 around XXXX XXXX PST time I contacted XXXX 's Rewards Platnum regarding my credit card. They said I had to reopen the account. Contacted XXXX and asked to sign up for an account.. BUT asked this question Do I become a plantnum member right away. Their response was Yes! 

XXXX promised I would become a Plantnum instantly if I signed up for the credit card, But after I signed up I was told I have to wait 30 days from the XXXX rewards program. 
I would not have signed up for this credit card if I knew I couldn't become a plantnum member right away. XXXX is promising services for people opening credit cards that aren't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the XXXX XXXX for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the XXXX CREDIT REPORT by CAPITAL ONE ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Multiple soft inquires for insurance companies, credit agencies, phone companies, & security companies I never made appear on one or more of my credit reports. Multiple incorrect addresses, land line and cell phone numbers belonging to other people and a phone loan I was never notified of, given a contact for or signed for in the amount of several hundred dollars also appear. I requested correct information for all updates and changes and although I now received all these new reports from all 3 bureaus ( 3 from XX/XX/XXXX and 2 from XXXX ) I am still seeing the same incorrect telephone numbers ( not mine but still attached to my social security number ). I contacted all the companies repeatedly and they said to contact the credit agencies and the credit agencies told me to contact them. I did BOTH, hundreds of times. I need the cell phone numbers not belonging to me removed because I believe my stalkers has access to them and I have a restraining order. Please help. I've tried everything. I called, wrote letters, requested new reports, complained to 311 ... BUT this false information STILL remains on all my credit reports. It's not just effecting my credit, it's effecting my health and well being.

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 2018-07-18
Company: PLANET HOME LENDING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have been trying to short sale my home with my Broker XXXX XXXX from XXXX XXXX XXXX and XXXX XXXX. We have had the home on the market for 4 months and have had offers. The home is not worth the asking price that was set by my Lender Plant Home Lending. It is XXXX over the market value and nobody is looking at the house. The bank asset manager claims that the private investor will not take less than the XXXX value but the home is only worth XXXX. I have repeatedly asked for copies of the appraisal and was told no, they do not give them out. I feel I have been treated unfair by this lender because they are forcing me to do a Deed In Lieu because the home is in fairly good condition and they can turn around and resell it for a profit. My husband and I are elderly and are on SSI and that is the reason we got behind in our payments. If we do a DIL and not a short sale, we might not be eligible for low income housing. Can you please help me? My bank contact was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: EQUIFAX, 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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/201 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX-XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company:XXXX XXXX XXXX  Date:XX/XX/2018 Company : XXXX XXXX XXXX XXXXXXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX   Date:XX/XX/2018 Company : XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX XXXX Date:XX/XX/2018 Company : XXXX Date:XX/XX/2018 Company : XXXX   Date:XX/XX/2018 Company : XXXX XXXX XXXX Date :XX/XX/2018 Company : XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX XXXX XXXX XXXX Date:XX/XX/2018 Company : XXXX XXXX   Date:XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing ( SLS ) is ignoring the " Qualified Written Request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). The request was submitted to them several times and as of this date, it has been ignored. This urgent matter has been ignored by SLS. All they care about is to take our home on XX/XX/18.

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 2019-10-29
Company: EQUIFAX, INC.
State: WA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Sterling Infosystems Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Around XX/XX/XXXX I authorized XXXX XXXX XXXX to perform a background check. After about a week I found out that they faxed my information to a public fax machine in a library including my SSN, address history, and DOB. Further I also found out that this company shares this information with their overseas employees. The fact that they fax this information for employment verification is appalling, any employer already has this information and should not need it to verify my employment with them. Also the fact that an entire team in XXXX has access to my personal information is very scary, there are no regulations there and US citizens have no recourse if data is breached in XXXX. American information needs to stay in America!  This needs to stop! I suggest you investigate the actions of this company very thoroughly.

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 2023-01-28
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: 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 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 2018-07-18
Company: Dyck-O'Neal, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
DYCK O'NEAL, an unknown company to me. This company and I have have never communicated in any shape or form whatsoever, BUT yet, they have reported to the Credit Reporting Agencies ( CRAs ) that I have an outstanding debt of {$370.00}. As aforementioned, I am privy to NO communication whatsoever with this company. Accordingly, this company must immediately delete this negative account from my account.

Company response to consumer: Closed with explanation