BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: MORTGAGE 1 INCORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company is using predatory tactics to generate fees. Company refuses to forward statements to home address, and then piles on fees as a result. 

We put in an official change of address, but company refuses to recognize change. Since we dont get any statements and notifications by mail, fees pile up. 

They refuse to remove fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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 accounts on my credit report that are not mine.

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 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 CERTIFIED LETTERS TO DISPUTE INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CREDIT REPORTS TO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  THAT WAS SIGNED FOR ON XX/XX/2018, XX/XX/2018 & XX/XX/2018. THEY DID NOT RESPOND NOR MARK THE ITEM AS DISPUTED ON MY CREDIT REPORT FROM THE FIRST INTIAL REQUEST. THERFORE I FOLLOWED UP WITH TWO MORE CERTIFIED LETTERS REQUESTING THAT THEY DELETE THE INFORMATION SINCE THEY DID NOT COMPLY WITH THE LAW. ON XX/XX/2018 ; XXXX SENT ME A CERTIFIED LETTER BACK CONTAINING THE ORIGINAL DOCUMENTS/INFORMATION I SENT THEM WITH A CIRCLE OF THE ACCOUNT NUMBER AND ADDED SOME MORE NUMBERS TO MY ORIGINAL LETTER. BY LAW ITS HAS TO BE MARKED ON THE CREDIT REPORTS WITHIN 30 CALANDERS DAYS. THEY DID NOT COMPLY WITH THE LAW NOR RESPOND TO MY FIRST REQUEST. THE NEGATIVE INFORMATION IS STILL BEING REPORTED AS VERIFIED. I HAVE SENT A TOTAL OF THREE CERTIFIED LETTERS TO THIS COMPANY. THEY ACTUALLY UPDATED THE ACCOUNT AS A CHARGE OFF AND INCREASED THE BALANCE. I ALSO SENT CERTIFIED LETTERS TO BOTH CB ON XX/XX/2018 AFTER NO RESPOSE TO MY FIRST REQUEST FROM THE COMPANY DIRECTLY AND THEY HAVE NOT RESPONDED WITHIN 30 DAYS OF THE NOTICE EITHER. TRANSUNION SENT A LETTER SAYING THEY RECEIVED THE DISPUTE ON XX/XX/2018 ; 27 DAYS LATER AFTER THEY SIGNED FOR THE NOTICE BUT HAVE YET TO DO ANYTHING ABOUT THE UNVERIFIED ACCOUNTS I SENT THEM AND XXXX HAS YET TO RESPOND. THEY ALSO HAVE NOT COMPLIED WITH THE LAW WITHIN A TIMELY MATTER. NO ONE IS FOLLOWING THE LAW HERE AND REPORTING INACCURATE AND UNVERIFIED INFORMATION ON CREDIT REPORTS WITHOUT PROOF. ON TODAY, XX/XX/2018, ( MR. XXXX  ) RECEIVED A LETTER FROM XXXX STATING THAT THEY " NOW '' HAVE DISPUTED THE INFORMATION TO THE CB. IF THEY WERE REPORTING ACCURATE INFORMATION LIKE I STATED BEFORE THEY WOULD KNOW THAT I AM OF THE FEMALE GENDER. THE ACCOUNTS STILL REFLECT THE SAME INFORMATION JUST AN INCREASE IN THE BALANCE OF A CLOSED ACCOUNT. I CLEARLY STATED IN THE NOTICES TO ALL THREE COMPANIES INVOLVED OF THE 30 DAYS AND WHAT I WANTED TO HAPPEN AS A RESULT. I STILL WAS IGNORED.

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 2020-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt collection agency sued and won a judgement for wage garnishment for a debt that I never received notification on. They sent all the notifications to an old rented mailbox from a XXXX XXXX that I closed 5 years prior. I left the job that the wage garnishment was attached to. They sent me a balance notification to my home address, I paid it in full on XX/XX/2020. I have the receipt notification. Now today, XXXX, I received a letter from their attorney that a warrant was entered for me for the balance that was already paid. This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this collection account multiple times thru mail disputes as well as online disputes with no success to have this account removed or deleted from my report with XXXX  and equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXX of XXXX, I received a notice stating that my credit limit would decrease from {$10000.00} to {$2800.00}. This came as a result of false reporting from XXXX XXXX XXXX XXXX due to a discrepancy with payment date. That issue was corrected, credit score was resolved, but my limit with Amex did not return. I submitted a request to have my limit increased in XXXX of XXXX after making all payments on time, and growing my credit score XXXX  points. I was denied because they said my balance was too high. My balance had been under 20 % utilization since I opened the account with a $ XXXX limit in XXXX of XXXX. I recently made a purchase that brought my balance up to approaching the new {$2800.00} limit. I checked my credit report on XX/XX/XXXX and saw my AMEX balance went over the limit by {$1.00} ( for a charge I didn't notice ). This {$1.00} has dropped my credit score XXXX points! I've recently made an extra payment to amex but wanted to dispute the XXXX point decrease on my credit report as they didn't notify me of the overcharge to give me a chance to rectify before reporting the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
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: Account information incorrect

Complaint:
XXXX XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to Equifax, XXXX, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to XXXX, Transunion, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!

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 2018-09-22
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Walmart XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to XXXX, XXXX, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Walmart has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!

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 2023-08-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  XXXX inquiry date-XXXX  XXXX XXXX XXXX XXXX inquiry date-XXXX XXXX XXXX XXXX  XXXX inquiry date-XXXX These inquiries are being inaccurately reported on my Equifax report please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 was unemployed and not receiving unemployment benefits because of the intensive wait due to the pandemic. I initially a benefit that I purchased on my credit card which is credit protection. However, my payment was reported as late. 

Per the cares act the account is supposed to report as it was prior to delinquency if arrangements were made. 

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 non-monetary relief
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 MY CREDIT REPORT THE CREDIT COMPANIES HAS THE ACCOUNT AS CHARGED OFF, I ASKED THEM FOR 1099C DUE TO THEM CHARGING THE DEBT OFF ON THEIR TAXES. 

XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2018-02-16
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:
i Sent certified letters with the return receipt over the past 3 months and the credit bureau refused to correct my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see that this company is reporting unverifiable and inaccurate information on my credit report. I request a validation debt letter and also for this company to cease all forms of communication with me through any and all mediums. also This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor. I only can validate this debt. I do not validate this debt therefore I demand this company to stop reporting this unverifiable information on my credit report. This company is in violation of several FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2020, I submitted a request to Equifax about the information on my credit report about the information they received from the US Bankruptcy Court. I received a letter from the court stating that they do not report to the credit bureaus. I received a letter back from Equifax stating that they verified that the information was accurate. After reviewing their letter it was found out that Equifax received this information from a third party company named XXXX which is a for-profit company that sells consumers information. This a violation of the Fair Credit Reporting Act and may be considered false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received notice of this debt, I have never had an account with XXXX or owned or rented my own home so would have never had a reason to have XXXX. I do not believe this debt to be mine and was falsely reported to collections without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: NC
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 uploaded a letter to Experian, XX/XX/XXXX and XX/XX/XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XX/XX/XXXX or XX/XX/XXXX does not have any files to verify these accounts, nor will they delete 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 2018-02-16
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:
I HAVE A XXXX XXXX ACC THAT GOT TRANSFERRED TO XXXX XXXX ON MY EXPERIAN REPORT AND IT SHOWING A DOUBLE REPORTING ON MY CREDIT REPORT WHICH IS HURTING MY SCORE I CALL EXPERIAN TO DISPUTE IT XX/XX/XXXX THEY SAID THEY WOULD DELETE IT THEY SEND ME A LETTER SAYING IT WILL BE DELETE THEN THEY SAID THEY CAN NOT ITS AND ERROR. 
They said that XXXX would have to delete it to call XXXX i call XXXX talk to XXXX and he said he would investigate it they said they could not do noting because they sold the acc to XXXX XXXX so i call experian back talk to XXXX XX/XX/XXXX dispute specialist she said i would have to get something from XXXX for them to take it off or it have to stay on my report to XX/XX/XXXX she said XXXX have the authority to do it. So i call XXXX talk to XXXX he said its experian have to delete it he said that XXXX last report on the acc was XX/XX/XXXX so i call experian back and they said its XXXX that have to do something about it and they reinvestigate it again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
Company: Diversified Consultants, Inc.
State: KY
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:
A company Called diversefied consultants keeps reporting a debt from XXXX XXXX on my credit report. 
The dates are wrong, the balance is incorrect, everything is incorrect. I closed the account with a XXXX balance .... They offered free of charge to come pick up there equipment from my home and then a few months later sent me a bill for picking up the equipment and also at the same time for not returning the equipment. So they charged me for keeping the equipment and for them picking it up ... .. This is happening as well to alot of other consumers from what ive heard ... ... and its a scam and a crime. I work hard to keep my credit report atleast halfway decent, and if i charged something i would accept responsibility. But i didnt. 

And here is the kicker. Ive already had this removed from my report twice. And the credit bureas will remove it and then 6 months later let them re-report it ... ... Unreal ... so its back and forth with these scam artist blackmailing consumers. 

Ive heard rumors that my state attorney general is even looking directly into these con artist. 

I need help with this .... I shouldnt be punished for paying my bills on time and being a good citizen by some thugs intimidating people into paying them hundreds of dollarz for nothing or they will destroy your credit. 

Its sad that i have to take it this far. But i dont know what else to do ... .im so aggraveated, every account on my report is good standing perfect ... .and then there is this blackmail account dragging my score down so i cant get a home, a car, nothing because of XXXX   XXXX and diversified consultants which im sure is just a dba of XXXX  no doubt. What a scam. They have probably wrote the equipment off as a tax loss too when they know good and well they got it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted a dispute with TransUnion credit reporting agency regarding a credit inquiry that was placed on my report by XXXX XXXX XXXX XXXX on XX/XX/XXXX. The inquiry was placed on my report after I initially submitted a dispute directly with XXXX regarding a 90 late that  was reported in XXXX of XXXX. The inquiry was not authorized and the dispute did not give permissible purpose to pull my credit report. I was told after contacting XXXX directly regarding the inquiry that the dispute is what cause the inquiry. I never asked or provided any consent or personal information to warrant the pulling of my credit report. In addition XXXX did not provide proof of me being late 90 days in XX/XX/XXXX. I was in forbearance during this period because my loans were in the process of being consolidated, hence why the account was closed 1 month after I was reported late. This account has been closed since XXXX of XXXX. Which furthermore validates my claim that this inquiry is unauthorized.

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: ERC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received an alert on my XXXX, XXXX & XXXX  credit report that a collection was added on XX/XX/XXXX. The company XXXX XXXX XXXX XXXX and the amount is XXXX. I have attached communication from ERC on XX/XX/XXXX confirming that the account was open fraudulently and the account does not belong to me. They did delete the information from my credit report IN XX/XX/XXXX but they are now re adding the information back onto my report IN XX/XX/XXXX and THE ACCOUNT STILL DOES NOT BELOW TO ME!! THE ACCOUNT THEY HAVE IS FOR SOMEONE ELSE THAT FRAUDULENTLY USED MY SOCIAL SECURITY NUMBER! AS YOU SEE IN THE NOTICE THEY STATED A " XXXX XXXX '' WHICH IS NOT ME AND THE CONTACT INFORMATION THAT IS NOTED IS NOT MINE! THE COMPANY IS DOING FRAUDULENT THINGS BY REMOVING THE DEBT THAT DIDN'T BELONG TO ME AND THEY ARE NOW RE ADDING THE SAME DEBT WHICH THEY ARE NOT ALLOWED TO DO!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation