BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: MA
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:
I have been an authorized user on a XXXX freedom unlimited credit card for many years, but the card does not show up on my credit reports. I have had this card since before I was issued an SSN. After I was issued an SSN ( XXXX months ago ), I made sure to update the information with Chase. I have already contacted XXXX to make sure that they were reporting the card to the credit bureaus. Two other cards that I have are showing up on the credit report, but they are less than XXXX  months old and thus I am not being issued a credit score. I wish to have this resolved ASAP so I can use my credit score to apply for a mortgage.

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 2021-01-04
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: NV
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 review my credit report and I notice two hard inquiries that are fraudulent, please remove these two fraudulent hard inquiries from my credit report. XXXX XXXX/XXXX XXXX XX/XX/2018 and XXXX/XXXX XXXX XX/XX/2018

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 2023-02-27
Company: Credit Systems International, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and noticed I was in collection for an energy account based in Texas. I have never lived or opened a energy account in Texas. I believe I am the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: MI
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 requested for all late payments to be removed as they are incorrect, and have requested proof

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 2023-06-05
Company: U.S. BANCORP
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I had a reserve line of Credit at US bank, in addition to my regular checking account. The reserve line was in past due status, as I was going thru a tough time financially. They called me demanding that I need to make a minimum payment ( well before 90 days past due btw ) to keep my account in good standing. 

I asked them if I was to scramble and somehow make that payment, that my account would be in full good standing. I was VERY clear about this. They lied and said it would be, then I scrambled to make the payment, only to find out that they had put the account into a paydown status only BEFORE our call. So, essentially the account was closed and they lied to me to get me to make a payment. 

This is a screwed up thing to do to someone when funds are extremely tight.

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 2018-05-14
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On my PayPal app I received an alert that I have sent XXXX, XXXX XXXX, {$22.00} GBP which is {$30.00} USD. I never authorized that money and i dont even know who that is. This happened on XX/XX/XXXX at XXXX XXXX EST. I have filed a dispute but they will not follow up with me instantly and this XXXX XXXX person is supposed to fully receive the money on XX/XX/XXXX. I think I may have gotten my account scammed. I already changed my password. Please help me get my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19
Company: Risecredit, LLC
State: AL
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 was a victim of Identity Theft this summer. There was a loan taken out in my name on XXXX XXXX, 2017. This was the first incident and it took me a minute to realize it until I started receiving debt collector calls about it. The loan itself has been taken care of because the person pleaded guilty and the debt collection company removed the open account. However, XXXX XXXX XXXX absolutely refuses to take the inquiry off of my XXXX Report and denies that it is fraud. Ive had about 10 inquiries total added to my report in the past few months so I am not okay with them ignoring my case like this. The person is in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy listed on my credit report that does not belong to me. Additionally, there is an address that I have never lived at. Please remove them from my credit history as this is hindering me from attaining a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: ProCollect, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the month of XX/XX/2018 I reached out to the account management for XXXX XXXX XXXX. I was beginning the process to move out and terminate my lease with a pre- arranged resident to take over the remainder of the lease term. The company agreed to this arrangement, I then proceeded to begin a new lease at a residence that was a better fit for my situation at the time. At this time I received a move out agreement. When it came to the day the take over was supposed to proceed the other resident backed out of her agreement and I was notified by XXXX XXXX that I was once again responsible for the remaining rent for the lease term. I was notified a payment plan could be an option and management agreed and had me sign a payment plan starting at {$25.00} a month, with the option to increase payment amounts later on if able to. After sending my first payment I was notified by management that I was now required to pay the full amount in 30 days because of policy change by corporate. I asked about the previous payment plan and why my signature on that document was over ridden and no longer in existence. No answer was given but a reply with the offer of bringing the payment owed down by 40 %. I was then told that someone would be taking over my lease XX/XX/XXXX and that I wouldn't be responsible for XXXX-XXXX rent. I was not able to pay the full amount by the 30 day deadline so my account was sent to collections, for more than they said I owed. I have tried to call multiple times and get in contact with anyone who can help and have had no luck in communicating with anyone to help with my situation. I was able to save some of the emails and documents they originally emailed. This has had a very negative impact on my credit score given it is the only negative situation I have.

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 2021-09-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian Credit Report shows XXXX XXXX  Charge off of {$1400.00}. written off when I have the Title from the Paid Account, automobile and today the Company reports paid in full. From XX/XX/XXXX, reported 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 2019-08-29
Company: EQUIFAX, INC.
State: MO
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 IS NOT A DUPLICATE COMPLAINT. 
XXXX XXXX XXXX is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. XXXX XXXX XXXX, however, only reports with their reference number XXXX. Because of this error, XXXX   reports the item as Open and active in collections. XXXX   reports the item as a Charge Off, meaning that I still owe money for the account. Equifax still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I have been trying to refinance my mortgage and this issue being displayed incorrectly is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point where theres no other option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
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:
These accounts are involved in litigation I have not been supplied proof under the doctrine of estoppel by silenced, XXXX XXXX XXXX ( XXXX ) XXXX, I presume that no proof of the alleged debt, nor therefor any such debt, in fact exist. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account 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 2019-05-01
Company: Radius Global Solutions LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a credit alert that a collection from Radius Global Solutions was placed on my credit report. This collection is for {$990.00}. The open date states XX/XX/XXXX and the original creditor is XXXX. 
I have never received any communication from Radius Global Solutions. 
XXXX is a power company who operates in CT, MA & NH. I live in Maine - they do not service my state. 
I have lived in Maine for quite some time and could never have had a bill with XXXX from XX/XX/XXXX. 
Radius Global Solutions violated the FDCPA by not providing notification of the debt prior to placing a mark on my credit report. 
Radius Global Solutions is reporting false information on my credit report, as there is no possibility I had an account with XXXX which went delinquent in XX/XX/XXXX. 
Radius Global Solutions must remove this mark from my credit report immediately as well as provide validation of this debt they allege I owe. They must provide all historical statements as well as a signed contract and the alleged address that they are claiming XXXX provided services to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I Submitted an application through Wells Fargo and they are denying my application because I have a fraud alert this is against the law and they are violating my rights. They advised that they can not verify my phone number because of a third party company that they refuse to name. It is my right as a consumer to dispute any information that is not accurate to include a third party company not being able to verify my phone number that is listed in on my XXXX  credit profile and is also the same number they have verified multiple times in which I call them through.This is not fair and Wells Fargo is discriminating against me because I have a fraud alert.

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 2023-06-05
Company: General Motors Financial Company, Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
During XXXX ( XXXX  ), I had gotten a payment deferred. On my 2nd to last payment, I had a payment returned due to my bank having a fraud alert. I immediately paid the amount again, which was then XXXX days late. I got a XXXX day late remark on my credit report that they refuse to remove, saying it was XXXX days late. After checking my payment schedule and history and talking with a representative, it looks like the deferment was not applied correctly. They were going to remove the remark, but they continue to report it and claim it is accurate when disputing it with the credit reporting agency. The accuracy is also wrong, with multiple credit reports showing different months it was 'late ' as well as the loan being paid after it was paid off. This was the only 'late ' remark on any of my XXXX loans, as they are always paid on time, which makes me certain this was an error on their side. I was in communication with them throughout the XXXX issue, and was reassured that the deferment was in place with the additional payment moved to the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
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: Investigation took more than 30 days

Complaint:
I as of late sent dispute letters to XXXX, XXXX, and Experian on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Department. The explanation I'm documenting this objection against them is that Government Law expects them to react inside 30 days yet they have neglected to react

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 2019-06-06
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX/XXXX XXXX located at XXXX XXXX XXXX. in XXXX, TX XXXX, regarding an unauthorized hard credit inquiry that was performed on XX/XX/XXXX. I asked the company to immediately investigate the unauthorized inquiry and to remove it within 15 days once the investigation supported that I was not the party applying for an auto loan. On XX/XX/XXXX, an employee of XXXX XXXX called me and stated that he saw where an application was submitted on XX/XX/XXXX for someone with the same name. Upon asking him to provide me with a copy of the application that shows I completed the application and signed it, he stated that their company did not have a copy due to it was a verbal application in which another employee entered the information. After the employee argued with me for more than 3 minutes, his end sentence was that he will not submit for the inquiry to be removed due to a valid social security number was entered. After I expressed several times that I did not submit an application and requested for verification within 15 days, the employee still refused to adhere to my request. Before I submit a suit against the company I wanted to make the Bureau aware of car companies that feel that they can pull anyone 's credit without their consent. This has affected my credit score in which I've worked very card to protect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The XXXX XXXX XXXX account in the amount of {$5700.00} TransUnion has erroneously reported on my credit profile was Paid In Full and never delinquent in anyway whatsoever. TransUnion has deliberately, knowingly, and intentionally inserted a negative information they know not to be true in order to subvert my opportunity to gain mortgage approval in my quest for home ownership, come end of XXXX, 2021. 

This blatant dishonesty and calculation by TransUnion to hinder my prospect of finally acquiring a home in order to finally move my family, including my special needs fantastic son out of a one room motel accommodation where we've resided for almost two years now is causing me heart wrench  and utter vexation. 

TransUnion must remove their negative information off my credit report and adjust my Scores accordingly with deliberate speed. 

Thank you so much for your anticipated prompt attention to this prevailing issue. 

Yours sincerely! 

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 2023-06-27
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'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 non-monetary relief
Consumer complaint received 2021-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/XXXX I was already promised to be paid back for an unauthorized transaction that was made on my XXXX XXXX XXXX prepaid EDD debit card therefore I thought I would be getting my money back with him to XXXX  provisional credit days a lot of from XXXX XXXX XXXX I have been on the phone 15 times in the past 10 days and they said the on the second when I initially opened up the claim about the unauthorized charges of over {$900.00} that I would be receiving it on my new card as soon as I have in my possession I would have my all my money back that is not the case they lied to me and they are keep on running me around in circles and now I'm broke and can't pay bills

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/202XXXX XXXX XXXX XXXX agreed to manually delete tradeline reporting from credit Reporting agencies Transunion and XXXX. On XXXX XXXX I checked to see if it has been deleted and it still shows on my report which is hindering me for applying for a vehicle.

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 2023-02-06
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this grievance as I monitor my credit and was alerted to a collection reporting from XXXX XXXX ( Debt Recovery Solutions , LLC ) that has dropped my scores significantly. Ive received no phone calls or communication via USPS mail to confirm this debt is mine or valid. Due to this I did not obtain the full statuatory period that would have allowed me to dispute the validity of the debt prior to it updating with the credit bureaus. If I had, the collector would have been advised that this debt is time barred and needs to be removed post haste due to misleading and erroneous collection practices.

Company response to consumer: Closed with explanation