BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of 2020 I was XXXX  for 26 days. I hade XXXX XXXX XXXX XXXX XXXX XXXX within a matter of 2 weeks. I applied for XXXX and it was approved for XX/XX/XXXX of 2020. But for the 2 weeks of XXXX I was not covered. Now on my Credit Report, from Progressive Management System, there is a collection debt of {$310000.00}. There is also another collection for {$1600.00}. There is one from XXXX XXXX XXXX for {$810.00}. These are all on my credit report. I have tried to get help from XXXX XXXX XXXX applying for Retroactive assistance, but no answer yet. I have read about applying for 15 USC 1681 A3. Is this something that will help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
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:
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 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 explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Reporting of bankruptcy on credit reports. 
I understand it's public record but why is this on my report and keep receiving decline of credit? Can't even open bank account?

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 2020-01-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In efforts to ensure onetime bill payment with Citizens One, I attempted to set up automatic draft for my mortgage payment. There was an issue with the system or me inputting the correct account information and my payment for the month of XX/XX/2019 failed to process. 

I never received a phone call, email, text, no form of communication from the company indicating that my mortgage was late or needed to be paid. I was told that I was mailed a letter AFTER my mortgage was already 30 days late and a remark had been added to my credit report. 

Upon contacting customer service, a representative informed me that the company indeed did not contact me and only makes calls to its " bad paying '' customers when their payments are late. As a customer who has made 100 % payments on time there was no courtesy call or outreach to ensure that I didn't fall behind or miss a mortgage payment. 

What was even more frustrating and infuriating was that Citizens One called me and left voicemails several times in XX/XX/2019 attempting to sale me another mortgage after they some how found out that I was shopping for new loans. 

They took zero responsibility for their actions in this situation and refuse to remove or rectify the 30 day late remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: 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 explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: CT
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:
in accordance with the fair credit reporting act, Equifax has violated my rights.

Equifax is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report.

Direct violation of 15 USC 1681B- permissible purposes, as I did not give Equifax any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to please refer to the documents attached to this complaint, stating the facts and information regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Convergent Resources, 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:
Convergent Outsourcing Inc. is reporting to all three credit bureaus that I owe them a balance of {$1300.00}. I never engaged in any business affairs with Convergent Outsourcing Inc . I disputed it previously and both the company and the credit bureaus never provided me with a signed contract with Convergent Outsourcing Inc. with my signature. A collection bill is not a validation of debt and I have a right to be provided with proof of my direct business affairs with them.

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 2021-12-29
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: IN
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 AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed that there was another unauthorized hard inquires from CITIBANK on XX/XX/2018 on my XXXX  and XXXX credit report that i did not make, i've made several calls to CITIBANK, XXXX   and XXXX  to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  and XXXX  i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX, XXXX and CITIBANK is working together using my info TO OBTAIN CREDIT.

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 2022-02-05
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son was taken to XXXX XXXX in XXXX, XXXX by his mother. My son 's mothers name is XXXX XXXX, Me and XXXX XXXX were not married and I had no legal obligation to pay her debts. I was not present when XXXX XXXX took my son to XXXX and I signed no papers excepting responsibility for the payment. XXXX XXXX XXXX had XXXX bill her insurance for the visit. I was not on XXXX XXXX ' insurance but my son was. 

XXXX has repeatedly billed me for the visit. I told XXXX I did not take my son tot he visit, but his mother did and she is responsible for the bill. XXXX has continually called me and sent letters to collect the debt, I have repeatedly told XXXX that I am not responsible for the debt. 

I just received a collection notice from a debt collector for the bill. I called the debt collector that I was not responsible and wanted to dispute the debt. When I asked how to dispute the bill, the caller hung the phone up on me. 

It is wrong for XXXX to continually harass me for the debt which I am not responsible for. The name of the debt collector is : Professional Credit Service XXXX XXXX XXXX XXXX OR XXXX My account number with them is XXXX. 

I would appreciate help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & 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 non-monetary relief
Consumer complaint received 2023-04-16
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:
Please delete these two accounts as they do not belong to me and are fraud. I have included the identity theft report. 

XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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:
Credit agency ( 3 in total ) won't remove my discharged loans. I have made multiple dispute requests since discharge. ( XXXX approved full discharge of all loans ). I have even tried to understand how they made it to the credit agency because they were. Not classified in default or late. I was on an approved payment plan/income program with lender and the loans are sitting in multiple credit agencies. Explained to credit agency that XXXX approved full discharge, I mailed paperwork dated XX/XX/2023 of approved discharge and letter regarding loans being removed. Credit agency won't remove discharged, they are leaving them on to XXXX. Its illegal to leave discharged loans in credit profile. 


Other issue is XXXX loan was fully paid off and balance is incorrect. XXXX said they would have debt removed. Vehicle was in accident and Insurance paid out check with gap insurance finishing the final payment. Car was fully paid for in full.

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 2020-01-15
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2019- unknown debt collector called my phone asking for my name and when I said yes ... they hung up and slapped a {$2500.00} onto my credit report. I sent a dispute letter to the credit bure

aus asking to please investigate and verify this account. for2 months I was receiving debt collectors calls after changing my phone number and blocking spam calls. I still was receiving calls so I upgraded my phone service to blocked any unknown or likely spam calls so that I wo
uldn't receive them at all.

, XX/XX/19- I received a letter saying that I owe the amount and they offered to be discount 25 % percentage to pay debt off, XX/XX/19I received my credit report saying that the debt was deleted because it could not be verified according to the FCRA. but then I saw it was reported to the other 2 credit bureaus XXXX  and XXXX.

, XX/XX/19, I received a flyer saying make full payment of 90 % off on your debt just login to the link below.

XX/XX/19 credit report got hit again with debt in the amount of {$2500.00}, I sent another certified letter to the creditor to please send me proof of my signature and how I owe the debt they claim is mine. and that I will involve my attorney for their illegal practices.

, XX/XX/19- the amount is {$2500.00} They sent a response letter saying that if the debt is not resolved, it may be reported to one or more credit bureaus and that it could adversely affect your credit.

As on XX/XX/2019 I sent another letter for them to send accurate proof of my consent/ signature of so-called owed debt, Haven't received a response yet. 

The Creditor is Hunter Warfield and the original creditor is XXXX XXXX XXXX XXXX which I was never notified by the original creditor of any debt and why I was being billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2023 I upload my passport and a current bill to show proof of residents and no action was changed on my credit personal profile on credit report. I called XXXX transunion, and XXXX on XX/XX/2023 to correct my personal profile and to please mail in proof of the change and it was not corrected. I am reaching out to you to help me to remove all inaccurate information off of my credit report, and update correct information.

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 2020-01-15
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: Account information incorrect

Complaint:
I DO NOT RECALL OPENING THE ACCOUNTS BELOW. I REQUESTED VERIFIED INFORMATION FROM THE CREDITORS AND CREDIT BUREAUS. NO ACCURATE DATA HAS BEEN SENT TO ME. 

XXXX  XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio XXXX Us Department Of Edu XXXXXXXX XXXX XXXX XXXX XXXX, Washington, DC 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 2020-01-15
Company: DISCOVER BANK
State: SC
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 creditor failed to mail paper statements for 2 months, XX/XX/2019 and XX/XX/2019 after paperless was declined. In addition, the creditor reports to credit bureaus that I am over 120 days delinquent when I have never missed making a payment which they acknowledge receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2023 I received an email from XXXX indicating my student loans were transferred to XXXX. My account with XXXX showed an outstanding balance of XXXX with a XXXX payment due. I got a mortgage loan verification document from them indicating that the loans have been transferred and the outstanding balance was XXXX. 
However, XXXX refuses to report this to the credit bureau. They are reporting that I still owe XXXX and that they still own this debt. I have contacted XXXX to resolve this and was told via an account message that no further reporting will be done at this time. 
I disputed this with the 3 major credit bureau and only XXXX agrees and resolved the issue. The other 2 say they reach out to XXXX and XXXX says my claim is not valid and that they still own that debt even though it was transferred to XXXX ( which I have since paid in full ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: AZ
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:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation