BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. Do not contact me via US mail. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, 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 2021-03-25
Company: Bread Financial Holdings, Inc.
State: UT
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:
Comenity Bank XXXX is reporting lates on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have had the account for a very long time and have been a great customer. Unfortunately the store will be closing and my account inevitably closed. I ask as a goodwill that XXXX removes the late notations from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Avadyne Health Holdings, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Service by XXXX XXXX XXXX was provided on XX/XX/XXXX. 

New bill was provided by XXXX XXXX XXXX on XX/XX/XXXX. 

Payment was made to XXXX XXXX XXXX and receipt received the same XXXX, XX/XX/XXXX, matching the amount of {$100.00} and the account number later provided by debt collectors. 

H & R Accounts Inc called to collect the debt in XXXX XXXX, at which point I indicated that the payment had already been submitted directly to XXXX XXXX XXXX and that they needed to get updated records from XXXX XXXX XXXX. 

XX/XX/XXXX, XXXX PM, the same representative from H & R Accounts Inc called again for the same debt, claiming it had not been paid. I provided the information from my receipt, which matched the debt he was calling about ; however, he insisted their records state differently, and I requested again that they get updated records from their partner, XXXX XXXX XXXX. While trying to clarify what other information was needed and the next steps they would be taking, the representative hung up on me while I was asking questions. 

XX/XX/XXXX, XXXX PM, I immediately called back and reached another representative who confirmed my identity and repeated the debt they have according to their records. I again provided information from my XXXX XXXX XXXX receipt, all of which matched the debt in question. I pointed out to the representative that there appears to be a systemic issue with their record synchronization between H & R Accounts and XXXX XXXX XXXX and was told that they will request updated data from XXXX XXXX XXXX. 

I have lost XXXX minutes of time during my workdays dealing with H & R Accounts Inc 's false debt claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: SG and Associates
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I receive an email from XXXX XXXX  stating there had been a significant do in my credit score rating. I immediately loved into my account and to my surprise discovered that not only did I have some {$480.00} in collections but it was something that I knew NOTHING about!! Upon further investigating the matter, I saw that it was a debt in the amount of {$480.00}, that was apparently taken out on the XXXX of XXXX, XXXX, with a company called XXXX XXXX XXXX XXXX, which I KNEW absolutely nothing about. Not only had I never heard of them but had no clue what type of product of services that they offered that they were claiming I owed a debt for?? I have been working with XXXX XXXX  to rebuild my credit for the last few months and have not taken out ANY new debts! Their this tells me that it could be two things. One that someone fradulently took out a debt in my name and with my information with them intent of never paying on it or paying it back because it wasn't in their names. Or Two, that the business in question XXXX XXXX XXXX XXXX, misconstrued information in their records and their numbers are incorrect this reflecting on MY credit report. Regardless of the incident, I WANT MY CREDIT RESTORED! I want this removed from my credit and want the situation investigated if it was some type of fraud situation. I have tried reaching out to the company directly and they asked for a police report of a report from the FTC regarding this incident. I don't know enough information to file a police report so this is my attempt at getting there ball rolling and lighting the fire underneath this company to remove this from my credit. I have filled a dispute with XXXX, I have filled as formal complaint with the XXXX XXXX XXXX and now with you guys. Hopefully something gets done!

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 2018-02-04
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2020-12-03
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Disputed some items on my credit 45 days ago that has yet to be remove or proof that the accounts belong to me in the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
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:
American Medical Collection is reporting a debt collection account on my XXXX credit report. That debt is not mine. I have contacted American Medical Collection over two months ago to remove it. They sent me a letter confirming that they will remove it from my credit report but unfortunately they never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report: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 XXXXXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to Equifax ; XXXX and XXXX  on the XXXX XXXX XXXX account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have written to and called both Barclaycard and XXXX many times over the past few years. I bought one laptop from XXXX in XX/XX/XXXX and they charged me for two. The first time I called, I spoke with Barclay and they claimed to have fixed the problem. Then the second laptop which I did not purchase was added back onto my statement in XX/XX/XXXX, and Barclay said XXXX claimed that it was a valid purchase. 

I have called, written, and faxed both XXXX and Barclay multiple times and no one has solved the issue. I am paying an additional $ XXXX and interest on a second laptop which I have no purchased and I am no longer making payments. I made all of the payments I owed to the company to this point and if I were charged the correct amount, my payments would be finished by now. This is why I no longer make payments to Barclay. I have paid my dues and I will not pay more. 

That being said, I have attached all the communications which I have sent to the companies and all the necessary details are included in the documents. I have done all the steps I have been instructed to do and have provided plenty of time to resolve this issue -- far more than needed. I do not want my credit report to reflect negatively on me because of an issue that has not been resolved. The last communication I sent was on XX/XX/XXXX and I have received no follow up to date. I sent two faxes and seven hard copies to various departments of Barclaycard. 

I am extremely disappointed with both companies and I strongly suggest never using the service or purchasing from them because they will not solve your dispute.

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 2022-10-05
Company: EQUIFAX, INC.
State: CA
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The representative from the company told me that the reward points that I earn from my spendings in XXXX will be issued in the reward certificate that I will receive in XX/XX/XXXX. In my XX/XX/XXXX statement, I have earned {$40.00} in reward points from my spending activity up until XX/XX/XXXX. However, they did not issue me this reward amount in the reward certificate that was issued in XX/XX/XXXX. On XX/XX/XXXX, I called the company to request them to issue me another certificate for this balance and they refused, saying that I would need to wait until XX/XX/XXXX to get the issued. I feel that I was misinformed by their representatives.

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 monetary relief
Consumer complaint received 2019-08-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04
Company: Experian Information Solutions Inc.
State: NJ
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:
There are many mistakes appear in my report without my understanding.

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 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX had deleted XXXX XXXX XXXX XXXX account off my report now they reinserted it again on my report as of XXXX XXXX 2017. This account in the amount of XXXX was verified to be deleted. Now it 's back on again. I have been dealing with all 3 credit reporting agencies for months now. Once it has been verified to be deleted as it was it should not have been put back 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 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
Transunion Credit Report FILE NUMBER XXXX Dispute opened X/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Is reporting a collection of {$380.00} for XXXX services obtained by rental tenants at XXXX XXXX XXXX, XXXX, MT XXXX I owned this home and it was rented. I did not contract for XXXX service at this address! Neither XXXX XXXX XXXX or Transunion or XXXX have been able to explain why this collection is appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's 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 promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-04-25
Company: EQUIFAX, INC.
State: IL
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:
Where do i start wrong addresses wrong spelled names wrong ss # wrong phone numbers addresses from 30 years ago they say its factual and will remain and no its not factual or they say it will be removed and then it comes back a few days later 3 years fighting with the big 3 over this im about to take out {$150000.00} loan max out my cards then use the money to sue all 3 and let them report that as factual and let them pay it all!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!

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 2018-10-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is a follow up on complaint # XXXX. 

After multiple attempts ( phone calls and faxes ) to get a pay-off letter from Rushmore loan services, and get them to release my loan, I sent a certified letter clearly asking for the release of my loan to be sent to the recorder of deeds ( I paid the fee via credit card to their manager XXXX on the phone on XX/XX/XXXX ). I received a follow up letter via fedex to my old address noting that they are responding to my inquiry as of XX/XX/XXXX, and advising me that XXXX XXXX   owns my loan. 

I also received a letter via regular mail that was forwarded to my new address, saying they received my inquiry as of XX/XX/XXXX as to the status of my loan, which is XXXX balance due. No kidding. I asked for a payoff letter and a release many times, starting on XX/XX/XXXX. It is now XX/XX/XXXX and this basic servicing function has not only not been done, but Rushmore seems baffled as to what the question is. 

I don't know who XXXX XXXX is and I don't care. I want my loan released immediately, I want Rushmore to pay my escrow fee ( see complaint # XXXX ) and I want to be done with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Commonwealth Financial Systems purchased my debt from 4 years ago and have since been contacting me concerning it. I told them that the state of Arkansas has legislature in place that we can not be harassed about medical debt after 2 years. They are now lying and saying that the debt is only 3 months old and was acquired on XX/XX/2017. They call so much that I have had to block their number and they still continue to call.

Company response to consumer: Closed with explanation