BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: Experian Information Solutions 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1800.00} XXXX {$530.00} XXXX  XXXX  XXXX XXXX {$63.00} COLLECTIONS XXXX {$63.00} XXXX/XXXX  XXXX {$510.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$10000.00} XXXX XXXX {$980.00}

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 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion this is a request as to why my credit score went down when I made a payment to decrease the total, please explain to myself and the CFPB. is this because Im in dispute with you, please respond in a certified testimony for I may file a court case against you for Subterfuge of this report CFPB this is a way to manipulate consumer credit and financing, I can not see a clear reason for lowering a score when paying down an account, CFPB please investigate this 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 explanation
Consumer complaint received 2023-08-01
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a XXXX alarm rep stop by my business in XXXX. In which I signed up for. 1 year later XXXX hit and I contacted XXXX to cancel service as my business was closing. XXXX cancelled my account over the phone and I never heard from them again. Today XX/XX/XXXX I receive a text message from a debt collector called zions debt holdings llc stating I owe {$1800.00} or they are reporting to the credit agencies. I spoke with XXXX and they stated the debt is valid. I called XXXX and they stated they cant speak on the account as it was sold to a company called landmark. 
I called XXXX back and they stated they bought this debt from landmark which is no longer in business. I have perfect credit and never been late on any of my bills. This seems like a scam and needs to be stopped. XXXX states I signed a 4 year contract with XXXX, however when I called them in XXXX the guy on the phone understood and said my account was cancelled.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: TX
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:
CHASE CARD Show Details XXXX XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2500.00} CHARGE-OFF {$2000.00} XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$2700.00} XX/XX/XXXX {$2700.00} CHARGE-OFF Show Details XXXX XX/XX/XXXX {$110.00} XX/XX/XXXX {$110.00} CHARGE-OFF {$500.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that Credence Resource Management validate an account for XXXX XXXX. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
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 sent a certified dispute letter to XXXX on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit report. I sent another certified letter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit reports ; which I did not receive a response back from XXXX, XX/XX/XXXX, or Experian. My latest certified letter was sent on XX/XX/XXXX to identify the continuous inaccuracies being reported on my credit report by XXXX. I also requested for XXXX to send over proof that the alleged repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I requested copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle to be provided to me within 15 days from the receipt of the certified mail notice that was sent on XX/XX/XXXX. 

I pulled my XXXX credit report to review, and I noticed that the account has been re-aged and is now reporting a Date of Last Activity as ofXX/XX/XXXXXX/XX/XXXX with XX/XX/XXXX. I have requested for this erroneous account to be removed from all bureaus on my credit report. There are several inconsistencies and errors that I identified on my credit report. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to Re-age an account. I also noticed a comment on the XXXX account on my credit report that stated a payment was made after the account was closed. This is a inaccurate statement, and I am demanding for this account to be removed.

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 2020-09-22
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage, gave all the usual information and was approved ( including running my credit ) contingent on verifying the information ( income, etc. ) and house value. I also received an initial loan estimate with terms that I found acceptable and even very favorable. This included almost no points and almost nothing out of pocket and a great rate. On that basis, I paid the non-refundable {$500.00} application/appraisal fee. The house actually appraised for higher than I anticipated. 

However, soon after the appraisal come back, I received an updated estimate showing I would be required to pay substantial points to keep the rate in the initial estimate. It also included additional closing costs with an out of pocket total over {$8000.00}. 

I felt completed deceived when I received that second loan estimate. I would have never have paid the {$500.00} for the application/appraisal had I know I would have been required to pay substantial points and a large amount of out of pocket closing costs. 

I traded e-mails with my loan officer and let her know I was extremely dissatisfied and that I felt deceived. I also told her I wanted my {$500.00} back. She said her manager would contact me. That was five days ago and I have heard nothing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1. XXXX was added to my credit report in error. This is not my account and I have never paid late. 

2. XXXX this is not my account. I was a victim of identity theft. 

3. XXXX  XXXX the balance on this account is incorrect and I have never been late.

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 2022-08-06
Company: Experian Information Solutions 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:
Ive been a victim of identity theft and XXXX a company for months have screwed me and millions over in rates due to wrong credit scores. XXXX has lowered our scores and have not been updating the information on time. This has been a detriment to me as i cant get a decent loan due to what XXXX has failed to report and inaccurately report. I demand a thorough investigation into all 3 credit buraus as they all have wrong information such as reporting dates and credit inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ).

This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX  as well as the bureaus to remove these lates however, I have not been successful.

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 2020-09-22
Company: ACIMA CREDIT, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The company offers a buyout option which I attempted to utilized. I contacted the support hotline to attempt to exercise this option, but the company purposely delayed the response in order to charge me almost 4 times what I paid for this merchandise. I've already made payments on this merchandise which is 2x what I paid. This company is using fraudulent practices to defraud consumers. The company has been retrying the payment over and over which has caused me more than {$350.00} in overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, As of/Effective XX/XX/2020, is reporting inaccurately and has flagged my credit report. They are reporting on my credit report " Bank Adjustment/Deed in XXXX Liquidation '' This information is FALSE My Divorced/Estranged spouse is currently in Chapter XXXX BK, Case No : XXXX His Name is XXXX XXXX XXXX I contacted XXXX and advised them they have incorrectly flagged my account Requested them to " please remove '' They confirmed that according to their records they do in fact show XXXX XXXX XXXX currently in Bk, payments being satisfied through the BK Nothing has been done to correct my credit by removing the flag. 
As a result, my credit score has drop and I have received negative credit standing and loss of credit and money.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: OH
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:
Fraudulent accounts and Inquiries appearing on credit. 


1. XXXX XXXX XXXX {$580.00} 2. Dept Of EducationXXXX {$9400.00} 3. Dept Of EducationXXXX {$4300.00} 4. Dept Of EducationXXXX 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 2019-04-12
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX re-age my account after I sent in my dispute forms. Which is a violation. I feel like that isnt right. Even the creditor re-age theres as well, Santander Consumers. I have pictures to show you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: LA
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 am writing to dispute an inaccurate inquiries and personal information listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

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: Experian Information Solutions Inc.
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:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

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 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Our payment forXX/XX/XXXX was not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid both XX/XX/XXXXandXX/XX/XXXXpayments together on XX/XX/XXXXin the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXXwas paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXXand it was paid on XX/XX/XXXX( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX I called XXXX   to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data for XX/XX/XXXXand late for XX/XX/XXXXfor our XXXX XXXX   account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXXto be 30 days late. We have been current on our loan sinceXX/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 2020-09-21
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been claiming unemployment from the government because I was temporarily released off work because of COVID. When I signed up for unemployment I didn't know I was registering an account with Way2Go Debit Card. So a portion of my unemployment has been sent to unactivated account. I don't have the copy of the card to the account therefore, I have no access to my money. I would like to be helped to gain access to the account. You guys have reached out to me but I missed your call. I left 3 voicemails since XX/XX/XXXX and I haven't been reached back yet. You guys finally called and I was at the grocery store with a close to dead phone I couldnt finish the call. Im so sorry for the annoyance I could have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-11
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX CO XX/XX/XXXX 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