BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: FL
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:
Someone tried to apply for credit with my social security number without my consent.

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 2020-06-02
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: Account status incorrect

Complaint:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee  looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX  XXXXXX not mine INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX/XXXX   XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
State: NY
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 recently had a derogatory remark added by a rogue debt collector called XXXX XXXX on my credit report. After attempting to notify and collect information on the debt, XXXX XXXX failed to provide information that would validate that I owed any debt and I asked them to provide further information if they had it, which they did not because I did not hear from them again. 

Weeks later, I see a hit on my EQUIFAX credit report showing a debt outstanding with XXXX XXXX and immediately disputed it. After a few days, EQUIFAX responded that the debt is valid and not being removed from my credit report. 

I then spent the next eight days attempting to contact EQUIFAX about this and ask them to provide any correspondence or evidence that was provided to EQUIFAX by XXXX XXXX, since EQUIFAX claimed the debt is mine, so surely they received information to prove this. 

After days on the phone with customer service and emails sent to XXXX, along with their CEO XXXX XXXX, several VPs and Customer Service Manager XXXX XXXX, I was ignored and promised I would be contacted from someone at EQUIFAX but was not. 

I have also filed CFPB complaint against XXXX XXXX and the original company that XXXX XXXX supposedly purchased the debt from. 

This false, derogatory, and incorrect information needs to be immediately removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account that was with XXXX XXXX and sold to Midland credit with an estimated balance of $ XXXX.I filed for bankruptcy chapter XXXX case # XXXX on XX/XX/20. I filed a dispute through XXXX as Midland credit was still showing on my credit report. The information was initially deleted, but now has reappeared on my credit report as a collection item. Midland Credit has obviously failed to stop the re-polluting of inaccurate information to my credit bureau report with inaccurate information. Under FCRA, Data Furnishers are to report accurate information and if they can't the information is to be deleted. Please either update the reporting to reflect this account was included in bankruptcy, as outlined by the XXXX XXXX XXXX guidance in the Credit Reporting Resource Guide or I will be pursuing legal ramifications for a directly violation of my consumer rights as this is a direction violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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: Account status incorrect

Complaint:
Equifax Credit Bureau, has violated the The Fair Credit Reporting Act ( FCRA ). On multiple occasions. As well breached trust. I have reported multiple times and disputed errors. Starting XX/XX/2023, when they rereported an old account and deducted another XXXX points, than shortly after deducted another XXXX points for an account having a XXXX balance. On XX/XX/2023 and XX/XX/2023 they deducted an additional XXXX points than XXXX points on an account they reported closed. Which was not closed. Attached are bank statements to prove their inaccuracies and incompetence. Than on XXXX XXXX 2023 they deducted XXXX points with no explanation. There has been no activity, no new accounts, no delinquency since XXXX, 2023 when i began to realize credit score decline. Yet they continued to show inaccurate information. I disputed each error, they refused to correct. When I called they stated they had no supporting documents or reason as to why XXXX points where deducted in the recent two months. They refused to provide report, refused to provide credit inquiry and itemized deduction. I have no collections, no debt. They have failed to provide documents to explain. They admitted to not seeing anything to show why my credit was decreasing. I have reported them to the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Alliant Capital Management LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Alliant Capital Mgt Co. XXXX original acct # XXXX internal acct # XXXX   Company took out twice the amount from my bank account as agreed in my original settlement agreement ; causing my bank account to go negative and causing me to miss work because I have no way of paying for transportation costs to get to work. 

I spoke to company representatives on XX/XX/18 and was told that the money was " immediately '' being returned to me account, then they told me that the amount was only " pending '' and would not affect my bank account. Then on XX/XX/18 was told the monies were taken and they had no idea when it would be returned. 

I expect the remainder of this debt to be forgiven based upon the repeated false statements and violations being taken against me and the irreparable harm I have undergone and continue to be faced with. I do not know when I can return to work because I am broke because this company took {$620.00} from my account twice in the same day and they are still saying they didn't do it ... My account is overdrawn over {$220.00} at XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/2017 the company the company SMITH Roucon & Associates have been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company n several occasions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documetns. Also the creditor has billed MEDICARE and have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for ligation due to the XXXX you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: AR
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 several attempts to get this matter resolved. I've submitted my previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were appear in my account fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX XXXXXX/XX/2023.

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 2019-08-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have been calling for a different person with the same last name over and over and over. They do it about every 6 months or so for weeks at a time. I have asked them to stop multiple times. I have also told them if they actually had a caller instead of an auto dial they would hear the voicemail say who lives here and nobody by that name lives here. They called my cell phone a few times but luckily they stopped that. I get calls around XXXX, including weekends, which woke me up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I reported unauthorized claim to my bank Chase freedom credit card back in XXXX for airlines tickets that appeared on my statement i explained to the bank that i never made any kind airline tickets at that time or my family didnt make any purchase at that time associated with the company listed .I was charged four times {$290.00} XXXX, {$2500.00} XXXX, {$2000.00} XXXX, {$1500.00} XXXX. 
two weeks ago i saw those charged appeared back in my account i called the bank to ask why those charges back in my account they couldn't give me legit reason on why my claim was denied, they keep telling me investigator will call me but i never received any phone call from the bank or they didnt send me letter. chase freedom card want to me to pay full balance without knowing why my claim was denied and they never made attempt to contact the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: IL
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. 

INITIAL DISPUTE XX/XX/2020 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 2020-06-02
Company: EQUIFAX, INC.
State: IL
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. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: CITIBANK, N.A.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
It was in XXXX when I had a duplicate transaction hit my account. I contacted the merchant and they confirmed they only ran my card once, even though the transaction amount was removed from my balance twice. When contacting Citi Bank the representative said that they could clearly seen where I was charged twice and they would give me a provisional credit that would cancel out the debit card duplicated transaction. Well today XX/XX/2020 I contacted the bank because my available balance was showing negative - {$3.00} when I should have easily had over {$100.00} dollars still in my account. After talking to the representative they said that my dispute was canceled and the provisional credit removed. I explained to the person that the provisional credit had canceled out the duplicate transaction and if they were going to take the amount back they needed to pay the second transaction to the business that they failed to pay the first time. The representative explained that I was wrong and they were correct. 

I told them that I felt that they were committing a UDAP violation. It was not my fault that their system had created a duplicate transaction and that I did not think it was fair to take {$100.00} dollars out of my account without notice for something I honestly did not spend.

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 2020-06-02
Company: Experian Information Solutions Inc.
State: IL
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 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.

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 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-18
Company: Cornerstone Home Lending Inc.
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Nest Home Lending and XXXX XXXX are both subsidiaries of XXXX XXXX. They have been aggressive with their loan practices and have been practicing predatory lending. From the beginning of the loan process we have discussed that we will be using an outside lender. We are currently about to close on the home and XXXX XXXX and Nest Home Lending have been continuously being rude to us since around the beginning of XXXX. I have been lied to by XXXX XXXX regarding requirements for our home loan while using an outside lender and they continue to assert that we will not be able to close our home properly since we are not using their lender. We have asked that communication via the closing of our home remain on an common email thread with the lender that we have chose, The XXXX XXXX with XXXX, yet they have continuously disregarded this request and have kept communications off record with us. The hate and mistreatment from both XXXX XXXX and Nest Home Lending has been overwhelming during such a stressful time.

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