BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-07-13
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am not liable for any of th accounts listed I do not have contracts with these companies and they did not provide me with original contracts as I requested I reported them as fraud it is way over 30 days since last contacting them below are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


30 DAY DEMAND XX/XX/2020

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 2020-09-10
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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: Public record information inaccurate

Complaint:
HOW ARE YOU? How r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2018-07-17
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a victim of ID Theft in XX/XX/2017 and filed a police report. There were over a dozen utility accounts created in my name in XXXX, Texas and surrounding cities. I've never resided in Texas. 

Pro Collection placed a collection derogatory item on my credit report, causing my score to drop from XXXX to XXXX. I've sent them the police report and filed a dispute against their charge over a week ago, on XX/XX/XXXX. I called today to inquire and they said my account is locked and they are unable to give me a status update, and then gave me the run around. 

I'm in the process of buying a home and this issue is impeding our ability to purchase a home. If Pro Collect doesn't clear this up immediately with the credit bureaus, we will lose our chance at buying this home. 

Please help us. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with XXXX financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from Transunion stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that Transunion never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from XXXX or XXXX. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by Transunion and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To begin with, Portfolio Recovery acquired two accounts, one from an old XXXX XXXX account, and one from XXXX XXXX. Portfolio recovery did not provide any written correspondence as it relates to the debt. They have contacted me during work hours at my place of employment. I have informed them to contact me after my work hours. I still receive calls during work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: NJ
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
My mother is XXXX years old. My mother had {$120000.00} invested with MBNA in CD 's. They merged with Bank of America. I went to my local branch in XXXX on XXXX XXXX, where they refused to provide me with any information, and told me I should " forget about it! '' I tried calling the bank 's main office, but could not speak with a live person. I called the branch back and requested a corporate number. The assistant manager refused me my request and said the manager would call me the following week. Of course I never heard from either one of them again. 

My documents indicate these investments. My mother and I are entitled to all the money she is entitled to, including of course any interest. 

They are a pitiful excuse of a bank, and after reading my reviews, I hope that others will not have to suffer similar consequences.

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 2018-09-12
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I first Contacted this company XX/XX/2018 to validate the debt. i received a letter back dated XX/XX/2018 that this company will obtain the requested documents and if it cant be done in a timely manner they will cease any further collections. as of XX/XX/2018 which has been over 30 business days and the proper validation has yet been received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: EQUIFAX, 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:
XXXX XXXX has reported a debt of XXXX to the 3 credit bureaus and this is from XX/XX/XXXX XXXX XXXX. I have tried calling them. No success. This is my daughter account who live in XXXX. I have no problem paying g XXXX it was reported under the wrong ss # and need to be removed. All 3 credit bureaus have my XXXX ID and address. From XX/XX/XXXX to present. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Account information incorrect

Complaint:
Due to financial hardships I took the initiative to apply and was approve for a repayment plan with XXXX XXXX XXXX for my car loan. I agreed to pay {$450.00} on the 24th of every month for the next 8months and after my regular payment cycle will continue. I paid my part of the agreement. XXXX XXXX reported inaccurate information on my credit report which is a violation of my consumer rights, which placed me at a risk for fraud. I am mentally distress due to the breech in contract. I contacted XXXX XX/XX/2023 and was told I could receive a waiver due to their lack of miscommunication of the repayment plan and their inconsistencies. I was told to wait 45 days. It has been more than 45 days and I have not received anything in writing. I am writing a complaint because this company has reported inaccurate account information of alleged late payments for the months of XXXX XXXX XXXX and XXXX of XXXX  and is inconsistent. My credit report has change numerous time due to XXXX XXXX incorrect reporting.

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 2023-07-11
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This problem is with the credit card for the store XXXX  with comenity bank. In XX/XX/2022 I made my last payment for the amount that I owed which was {$100.00}. In this charge was including a late fee for the previous month. The payment was supposed to be made on XX/XX/XXXX ( because of inconsistencies with the bank and changes that they made, and I was never told, in which they told me that the payment was supposed to be made before XXXX and then XXXX and now XXXX ) The payment went through on the XXXX, and I was charged another late fee. For reasons that I was never told and because I never authorized as paperless statement, I never received a bill or email where I was told I had a debt with them. A couple of days I started to receive calls from the bank where when I responded, they hung up until I got through and they told me I owed them {$160.00}. All of this debt is because of late fees and interest. I called to try and solve this problem because I can not pay that total of late fees because of my economic situation. I would be ok with paying XXXX month 's worth of late fees, which I believe I should not have to pay since I already payed it when I payed the original debt. But I tried to come to an agreement with them, but they did not agree to that, which I believe is wrong because I believe that they are taking advantage of me because of my situation. From my understanding, late fees are only charged once and then interest fees are charged, not every month a late fee. I have reached out to you guys because I have already had problems with this bank because of extra charges and they are very difficult to come to an agreement with. I have reached out to you guys to see if we can come to an agreement as I am tired of paying late fees and interest because of irregularities with them. Thank you and have a great day!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17
Company: GAMACHE & MYERS, PC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Firm : Gamache & Myers, P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), Mo. XXXX XXXX Complaint : I made a payment arrangement with them via their representative XXXX, around XX/XX/XXXX to pay {$75.00} per month toward my debt. XXXX said that I paid {$150.00} in a previous arrangement in XXXX and wanted me to pay more this time. I told her that {$75.00} was all I could pay this time. She said that theyll take the $ XXXX/month for three months and then renegotiate. I told her that in three months Id still only be able to pay the {$75.00} so why not just leave it as is. She said theyd contact me again in three months.

They took the payments for three months, via automatic debit and then stopped taking them. They sent me a letter saying it was time to renegotiate my monthly payment amount. Id already called XXXX several times to ask her why they stopped taking out the {$75.00} payments. She never answered or return my calls. That was around XX/XX/XXXX. Theyve filed a Garnishment Order on  XX/XX/XXXX and XX/XX/XXXX against the bank account that they took those three {$75.00} payments from. My bank didnt give them anything from the account even though money was there. The initial Garnishment they issued on this account was on XX/XX/XXXX and the bank sent them the {$1200.00} that was in the account. 

Now, theyve issued a XX/XX/XXXX Garnishment Order on the other bank account I have, which didnt have any funds in it at the time.

I believe its their greed that has caused them to miss receiving {$1500.00} if they would have continued taking the $ XXXX/month.  Since they stopped taking the money I made arrangements with another debtor using that original bank account and paid that debt off. Now, I dont know if their representative XXXX took it personal and made decisions on her own, but the Garnishment Order is from the Law Firm so even if she made her own decision they support it. I say this has to be greed because I dont think Ive heard of any Debt Collector that refuses to take money towards the debt when its offered. Also, since the court allows them to charge interest the balance grows like a credit card balance and then you add all the extra service fees, etc.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: IL
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 received my credit report on XX/XX/2023 and notice there were hard inquires that don't have permissible purpose to be on there these hard inquires are hurting me for getting approved. 
i already reached out to the credit bureaus about this they keep violating my rights under 15usc1681b these hard inquires that don't have no purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a house refinance loan with loandepot.com and paid a deposit for appraisal. The loan was was less than 30 % of the appraised value.. 

I was granted a Conditional Approval. However after satisfying the Conditions of the Approval, I was denied. I was told specifically that my deposit would be refunded to me while the loan was funded. 

I would be happy if LoanDepot refunded my deposit back.

Company response to consumer: Closed with explanation