BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I looked at my credit only to items that did not belong to me on it. So I reached out the the FTC and the Police Department to find out what steps to take. I was given instructions of what to do and that was to dispute these items with the 3 Credit Bureau. So I mailed in my disputes to all 3 and I have had no response back. So I am here disputing these items. All the documents I mailed in I am will be submitting below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 HAVE DISPUTED SOFT INCREASE THAT I DID NOT RECOGNIZE OR HAVE NO KNOWLEDGE OF I HAVE PUT A FRAUD ALERT ON THERE STATEMENT TO CALL ME TO VERIFY IDENTITY THEY CONTINUE TO DENY MY DISPUTES THEY ASKED FOR INFORMATION ON ALL CREDIT COMPANIES THAT APPLY I SENT THEM ALL THE INFORMATION WITH A STEADY DENYING THESE INCREASE OF 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 2023-04-25
Company: Affirm 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: Reporting company used your report improperly

Complaint:
Upon checking my credit report the following account # XXXX has repeatedly been updated as charged off, paid as agreed, and then back to a charged off status. This is an update in the payment history which to my understanding in which " if '' this account was charged off, it should not include an active payment history. This would falsely manipulate the statute of limitations under the XXXX provisions. This account was XXXX percent paid in full. I am demanding the deletion of this account. These are severe violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past month, this debt collector, One Main Financial, over the past 4 weeks have attempted to call me multiple times per week, in some cases as many as 4 times per day, all within the hours they are allowed, but exceeding 7 times per week. 

They are repeatedly violating the FDCPA. Here is one month 's worth of call attempts. 

For the week of XXXX to XXXX they have attempted to reach me XXXX times ( with a day to go ) For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2020-03-06
Company: Experian Information Solutions Inc.
State: TX
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:
Several times an account has been disputed, with both the agency and the creditor with letters requesting proper debt verification on XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 
The agency did not provide for the 3rd time supporting documents, and methodology to verify the debt bearing my signature, and documents that make me legally binding contractually. The agency has failed to prove the debt, and also omited to provide the methodology according to the Fair Credit Reporting Act and other law. 
Wrongly they just issued a reinvestigation report with no support again. Attached you will find the letters sent on XXXX, and XXXX with this last 2 failures out of 3 or 4 disputes.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX sent me a letter on XX/XX/23 stating they sent it to Department of EducXXXX in regards to all my loans should be discharged due to XXXX deemed me XXXX XXXX XXXX XXXXXXXX ( XXXX ) all balances of loans hold be forgiven. They have duplicate of my loans on my credit report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been getting collections from Resurgent and LVNV about an alleged fingerhut account I never had or benefited from and its damaging my credit. I recently learned I was a victim of the XXXX data breech, see attached and filed a FTC id theft report. I would appreciate these accounts being taken off my credit bureau asap as they are incorrect and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: National Credit Systems,Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We terminated our lease with the XXXX XXXX in XXXX NH and paid the amount due in full when turning in our keys. XXXX  then charged us an additional {$990.00}. I never got any bill, never got a phone call. National Credit Systems called us in XX/XX/2018 saying we owed them. I called the XXXX  and they said they sold the debt but would not tell me to whom. I sent NCS a certified mail with a notice of dispute on XX/XX/18, heard nothing, sent it again on XX/XX/18 and got back a copy of our XXXX  lease, so I then a settlement offer on XX/XX/18. We have never since heard back from them. I am asking assistance from this agency to mediate the matter and force NCS to comply fully with the request I made in regards to The Fair Debt Collection Practices Act. I require more than them sending old copies of a bill which did not exist at the time we paid our bill and moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about I called my lien holder Santander and tried to begin or arrange some sort of payment plan because I was falling behind, although they never one time sent a letter of notification of my account being in default and the person on the phone was trying to tell me she was attempting to collect a debt that whole thing with me XXXX this is not a debt collector agency it cant legally charge off the debt and then use it as a loss to their shareholders like I was informed then on several streaming to timely update the major credit reporting bureaus they made huge and potentially very violation and deceptive acts such as making my account as closed and charged off as a loss but they cant sell the debt to themselves because they are as federal law can adjudicate because I also never regret one collection letter to the matter of default or notification to collect because legally they can have the thought that they can identify as. A debt collector and thst bought the debt even not after 180 days to legally fault and anyway they reported on a different report that my account last payment was in XXXX when the other agencies had charged off the entire debt and used as a loss to the shareholders so they also never once made a collection call of sent notice so I could dispute snd also verify the value of the debt so they just came and actually legally had legal documents to take my car they never did one Indiana law to legitimize the repossession of my vehicle because they did not sell the debt in i order to collect my property especially if my other credit report Is showing the balance Id accruing interest after it was charged off because the difference in the charge off amount and the fact the are not reporting that payments I did make after my charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. in XXXX XXXX XXXX, a XXXX XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$4800.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2022-11-11
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: Information belongs to someone else

Complaint:
Shortly after the XXXX breach settlement of 2017 I incurred massive unauthorized charges across the board in my credit accounts and utility accounts. It is the fiduciary responsibility of all cras to look into the matter and make sure that it is available that. I have attached an FTC for report in regards to the manner and look forward to the resolution and the maximum time allowed by law 5 days being properly executed.

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 2020-03-06
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: Account status incorrect

Complaint:
This problem originally included both XXXX  and Equifax ; XXXX  corrected the issue and removed any reference to XXXX from my credit report. Equifax did not. 
The furnisher company involved is XXXX XXXX  XXXX, a division of XXXX XXXX. 
The company services a mortgage that is under foreclosure and has been for the past 10 years. 
The last payment made on that mortgage was XX/XX/XXXX. 
The resolution they filed with Equifax even had that date but somehow they also claim I made some kind of payment in XXXX. 
I did not. 
The record proposed by XXXX also claims " paid as agreed '' but shows a 180+ days delinquency, a glaring inconsistency. 
In XXXX, XXXX was not the servicer of the loan and it belonged to a different company as well ( XXXX services it for XXXX XXXX, XXXX ; it was serviced previously by XXXX XXXX XXXX which never recorded a payment in XXXX ). 
Attached is an Affidavit from an employee of XXXX that was filed in an unsuccessful bid to foreclose on the house, and which specifies that no payment was received since XX/XX/XXXX. 
Also attached is Equifax 's report on the issue. Notice that the information that supposedly came from XXXX is internally inconsistent ; on one page they acknowledge that the date of first delinquency was XX/XX/XXXX ( I'll accept even though it was XX/XX/XXXX, the difference is immaterial ). In another place, they claim payment in XX/XX/XXXX. This is not in keeping with the sworn affidavit or the other statement in the Report. 
When I tried to explain this to the representatives at Equifax, they claimed not to have access to the PDF  I was trying to explain to them and that is attached here, so we had unnecessary difficulty coming around to the inconsistency and source of the trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my credit profile.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This complaint to EXPERIAN was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Some one open and account in my name from XXXX XXXX XXXX XXXX that I have no knowledge of and I sent over four letter to the bureau and the company letting them know I have knowledge of this debt and they still want remove they place and address on my file I guess is tied to this account but it isn't my address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: BARCLAYS BANK DELAWARE
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.

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 2022-02-10
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: Information belongs to someone else

Complaint:
Hello My Name Is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: SUNCOAST CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/22, I sent Suncoast Credit Union a letter that they received on XX/XX/22 certified mail regarding my utilization. I gave them 10 days to correct the accounts and respond, and I have not heard back anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from 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 non-monetary relief
Consumer complaint received 2020-03-06
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been dealing with NAVIENT for days. I am filling out my XXXX  application to take the XXXX, become an XXXX, and pay NAVIENT. The application requires that I provide full loan numbers. I have requested this information four separate times in the past 2 days. They keep telling me I can find it on their website. Once I made one of the customer service reps wait on the phone until I went through the website like they said, they admitted I couldn't view that information online. Then they tell me it is ON MY MONTHLY STATEMENT. Yet .... I logged into their message system and viewed every monthly statement for the last 2 years and guess what? the loan number is NOT on the statement. I called them again and told them this. They then admit, it is NOT On my monthly statement. Bottom Line : They are refusing to provide the loan numbers. I have no idea how this is legal, but please help me fix it. Thanks.

Company response to consumer: Closed with explanation