BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern XXXX XXXXXXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).  You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit System, I know for a fact that I do not owe your company any money, how could your company collect a debt on behalf of another? I have never done business with National Credit Systems or XXXX XXXX ( Which is the original creditor listed on this false account listed on my credit file ) I am demanding that you remove this account from my credit report at once, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed accurate. Attached to this document I have also provided you with my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX  XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Incomm Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My XXXX year old son was given a vanilla  gift card for his birthday. There was a XXXX charge on the card that he didn't authorize. He said a game XXXX XXXX he tried to download and it asked for the card number but said there would be no charge. It did charge him. I called the company twice to initiate a dispute but the phone kept hanging up. I went on their website and there was nothing in regards to a dispute process. Almost like they don't want anyone to know how to dispute. I need this issue rectified immediately please. I want the XXXX transaction disputed and refunded back to the card number XXXX XX/XX/27 XXXX immediately. 

The XXXX XXXX  is associated with this card and serviced by incomm financial services. They are responsible for making this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TODAYS DATE : XX/XX/XXXXPLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).  You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-03-28
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: Investigation took more than 30 days

Complaint:
I sent disputes letters to all 3 bureaus XXXX, Experian and XXXX about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.

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 2018-02-07
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received my XXXX  report on XX/XX/XXXX, my credit rating is XXXX, I have been employed at the same job for over 16 years. My payment schedule is " exceptional '', as is my credit history length. On XX/XX/XXXX I applied for a XXXX XXXXXXXX XXXX XXXX card for the express purpose for a balance transfer, I was denied. Yesterday I applied for a XXXX XXXX XXXX card, again for the purpose of a balance transfer, I indicated in my application that I had a {$7500.00} balance I wished to bring over. They offered me a {$2000.00} limit. After the application, I received the report from XXXX  and called XXXX. At first I was hung up on. The second time I spoke with " XXXX '' who offered me a credit increase. After a litany of questions she put me on hold. When she came back, she came back and offered me {$2500.00}. I told her I didn't want the card. Upon closer inspection of my XXXX account my average account age is 8 years 1 month my oldest account is 21 years 3 months and no time since negative. I also saw that XXXX has done about 25 credit checks on my account recently without my knowledge or consent. I believe this along with my previous filed complaint are the reasons why my credit cards are being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number ( XXXX ). Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail.

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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are currently numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-11-03
Company: Receivables Management Partners, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I had a procedure done at XXXX XXXX XXXX in XXXX, FL. I was given a quote, they billed my insurance, and I payed the bill before the XXXX even took place. On XX/XX/2021 I received a call from a debt collector letting me know that I had an unpaid bill from XXXX XXXX XXXX XXXX in the amount of {$200.00}. I had received no bill, calls, or emails from XXXX XXXX XXXX XXXX regarding this charge. I looked at my online patient portal at the hospital and I had no outstanding charges. After talking with the debt collector, I realized that XXXX XXXX XXXX XXXX had found an address that I had not lived at in years. This address is different than what was on my driver 's license, patient portal at the hospital, registration forms for the XXXX, and insurance. They never tried to call or email me before selling my bill to a collections agency. They never checked with the hospital or my insurance company for my address and I am not sure how XXXX XXXX XXXX XXXX obtained this old address. The bill has now been paid in full as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received collection calls from company i have no business with, i check my credit report to find several accounts report to my credit file that doesn't belong to me, i try to correct with creditor unsuccessfully. i am making report to let credit bureaus know these accounts don't belong to me, and should be deleted from my credit i can regain good standing with my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I was notified by my ID credit reporting company of a negative report being filed by XXXX XXXX XXXX. I am  requesting in writing an explanation as to how my active disputed acct balance,  since, XX/XX/XXXXHas now been "expressed tracked" to a negative hit on my credit.My deputed balance has not been resolved due to Banks on- going avoidances to address my dispute if balance and handling of my acct.Please respond in writing thru reffering agency, as you company has no reporting person, for me to work with, to address concerns.Hx with company: cfpbXXXX XXXXXXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had eight inquiries removed from my credit Experian credit report and my score did not go up. Experian indicated that inquiries bring your score down therefore when they are removed your score should go up. Experian also said that if I pay a certain membership then they will work harder at my credit score. 

Also, boost is not available to me because Experian is not linked to my checking account. I have been paying all utility bills for years and I am not receiving the service of a boost in my credit score because Experian is not linked to my bank. I called them and gave them my bank information including all of the bills I pay that qualify for a boost and have gotten no response.

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 2018-02-07
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
First, let me says I have been inundated with fraudulent accounts, credit inquiries and companies opening account that I did authorized. 
On XX/XX/XXXX,2018, there was a voicemail introducing herself as XXXX XXXX ( OFG-Oracle Financial Group ) proceeded by my name and date of birth. She says this pertaining to 2 civil issue which was Internet Fraud and Breach of Contract. If I do not call, they make the decision to file with the courts. I don't know what she is talking about and do not plan to pay for anything that's not mine. She left phone # XXXX or XXXX XXXX to contact her or her supervisor XXXX XXXX @ XXXX. I called this lady and she placed me on hold for 10 mins so I hung up. 
This company is calling people to scare them into paying a debt they've purchased unvalidated debts.

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 2021-03-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. This debt was paid by my Health Insurance Company after it was sold to collector. The Original Creditor was paid by Health Insurance company.

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 2020-11-22
Company: EQUIFAX, INC.
State: VA
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/20 my Credit report was pulled for a pre-approval form XXXX XXXX. Minutes after my credit was pulled I received multiple calls from XXXX  ( lender ). XXXX was attempting to sell me mortgage loan options. The representative indicated that Equifax has a " deal '' with XXXX - providing them with notifications of credit pulls from other loan institutions. 

I find it hard to believe that an initiation responsible for maintaining credit information is able o leverage/sell my private information without consent. Could you please verify. 

Numbers I received calls from : XXXX XXXX Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
This information is incorrect : XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

National Credit Card Cos.
XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from 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 2021-10-07
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: Account information incorrect

Complaint:
The last dispute I submitted was in XX/XX/XXXX in regard to their reporting of my XXXX XXXX account. The account has been reflecting a 30 day late payment which is being reported incorrectly. I received a letter from XXXX XXXX that I mailed to Experian that reflects they reported the 30 day late payment in error. This letter was generated on XX/XX/XXXX in which they also stated they mailed to the bureaus in regard to the error as well. But yet after their attempt and a year later they are still showing false information. If this attempt does not work with the CFPB I will take it a step further to get this inaccurate information removed as this is intentional false reporting and I am sure that there are laws against this type of activity. If they do not believe that the letter is factual there is a contact number on the letter which makes me believe they didn't even bother to investigate my dispute. XXXX XXXX even refunded the amount of the late pay due to the error. I am also uploading a copy of the letter that I receive from 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 2018-02-07
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My prior mortgage servicing company, XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) has yet to refund my real estate tax escrow balance, even though they were paid off when I refinanced my mortgage back in XX/XX/XXXX. I closed on my refinance on XX/XX/XXXX, at that time my County real estate taxes were now due and payable, therefore I was required to pay the XX/XX/XXXX tax bill at closing on the refinance through the company I was closing with ( XXXX XXXX XXXX ). At that time, Loan Care also attempted to pay the XX/XX/XXXX tax bill. Since the County received the funds from XXXX XXXX ( company I refinanced with ) first, they did not cash the check received from Loan Care and likely was sent back to them. I called Loan Care twice in XX/XX/XXXX, and twice in XX/XX/XXXX to follow up on my tax escrow refund ( which should be approximately {$2100.00} ), each time I have called they stated they were still working on issuing the refund and that they will have an update soon. Nobody has once tried reaching out to me ( mail or by phone ) to inform me of the status of my refund, I have had to initiate each interaction with Loan Care. I have verified that I had plenty in my escrow balance for them to pay the taxes, there was no shortage in escrow at time of loan payoff by XXXX XXXX. The {$2100.00} is a LOT of money, and is money that is owed to me. Loan Care has no right to hold this money this long, when it was confirmed back in XX/XX/XXXX that the tax bill was already paid by 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