BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
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: Information belongs to someone else

Complaint:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information from my credit reports has been ignored by the Credit Reporting Agencies. The last letter I sent to XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to complay with the FCRA section 605b which states that the Credit Bureuas are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items deleted as soon as possible ; XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2017-08-03
Company: Experian Information Solutions Inc.
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:
This is regarding XXXX XXXX , XXXX at XXXX - This account is still being reported to the Credit Bureau ... XXXX & EXPERIAN. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have XXXX & Experian remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. 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 non-monetary relief
Consumer complaint received 2018-10-19
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:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 I sent portfolio recovery certified mail asking to prove I owe debt they havent proved I owe but continue to hurt my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Saw on credit report a collections line. Never received notice from this debt collection agency nor was offered the ability to verify the debt.
Just filed a formal letter to agency for resolution. However adding a collections line without sending a notification letter is improper. Company is Diversified Adjustment Solutions from
XXXX XXXX, MN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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: Information belongs to someone else

Complaint:
I have made several attempts to dispute with Experian, XXXX, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.

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 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent in several disputes with Transunion, for erroneous reporting and not investigating information properly, I have a account on my credit report, with XXXX XXXX. stating I filed chapter XXXX  Bankruptcy, I never ever filed Bankruptcy and this company and Transunion are getting a away with Fraudulent information, that is affecting my credit and stopping me from buying a house, attached you will find two documents from the pacer system for the state of NC and one for Nationwide results!

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 2019-05-28
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:
1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.

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 2018-06-22
Company: ALLY FINANCIAL INC.
State: MA
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 attempted to create a dispute with XXXX about an auto loan after my credit score dropped 80 points on an account that I am the cosigner of. After several attempts to make a dispute through their website all I could achieve was a statement that they couldn't verify my identity even after receiving a conformation that they had identified my account. It seems to me that they simply did not want to process any request. As I was looking to buy a house at the time the sudden drop of my credit has put finding a home in jeopardy.

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 2021-03-25
Company: Experian Information Solutions Inc.
State: OH
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 keep my financial situations very small so I can spot fraudulent account very quickly I found a fraudulent account from XXXX XXXX XXXX XXXX  # XXXX reporting on my credit. I have never rented anything from this company in my life. I am also have problems with my name being misspelled the correct spelling is XXXX XXXX please delete any other spelling of my name it is not correct. there are address that are not my showing on my credit report as well. Please delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX # XXXX, XXXX OH XXXX. I believe these addresses may have been used to compromise my personal financial information and SS DOB.

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 2018-05-25
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried many things to get this resolved. I have also submitted a compliant to the States Attorney 's office. There is an account reporting with XXXX XXXX XXXX XXXX that shows a balance but it also shows the account was sent to XXXX XXXX XXXX XXXX N yet XXXX XXXX indicate they still have the account but this company too is showing the account. I am at wits end and feel like I am getting the run around from every end. Please I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: The CMI Group, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a general complaint about my credit score. I pay 100 % of my bills on time, I have improved my credit utilization by 20 % and my score only increased 2 points. I have a new collection steaming from a cable bill that it is incorrect and it caused my score to drop 10 points. It is so hard for my score to increase but very easy for it to drop. 
I think debt collectors should have to give you more opportunities to address issues before the report to credit bureaus and create a 7 year stain on your report without hearing your side of the story. 
I fulfilled the billing cycle, scheduled disconnection. Returned equipment and was told I had a {$0.00}, later billed then turned over to collection all in 4 months from service disconnection. The original debt with XXXX is still on their account and also with a collection agency and none of it is accurate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: SMI Lending, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
false statements re govt " projected to raise it ( interest rates ) SEVERAL times in 2019 ''. The Fed has no such intentions. Also there's the suggestion of skipping payments and taking cash out of equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Radius Global Solutions LLC
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:
Radius global and XXXX reported inaccurate information to experian which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then global had scammed me and made 3 complaints which lowered my credit score. All in all experience and global radius don't show accurate depictions of my financial life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit reports. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Bank XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX 's XXXX Inquiry from XX/XX/XXXX  Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX-fla Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make the a forementioned inquiry/inquiries into my credit report, I respectfully request that a copy of it be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: WRJ Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Original loan was in XXXX. XX/XX/XXXX received a text saying a warrant for my arrest was being done for non payment. Loan didn't maturectil XX/XX/XXXX so it wasn't even past due as of yet. I have since lost my jonmb so can't pay. They say I owe XXXX, XXXX and something dollars, so balance has increased instead of decreased. I have since learned that my contract is illegal. They are charging 152.08 % annually which is over the 12.5 % cap on pawn transactions. Have relied my truck and said selling. So far, no resolution. They will not budge. Want my truck back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
View your completed dispute online MyEquifax We've received your dispute and it's in process Your dispute is complete and ready to view online Dear XXXX XXXX, As a reminder, we've completed your Equifax credit file dispute, and you can view your results online. Your dispute results will remain online for 24 days. You may not be able to access your results online after XX/XX/2020. 
Your Equifax credit report dispute confirmation number is XXXX I did not get the dispute report. I tried contacting the company but there was no customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: CA
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:
im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. these corporations are taking a disadvantage of me. I refuse to wait another 30 days please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Personal information incorrect

Complaint:
On XX/XX/2021 I sent a letter to Experian informing them that they had incorrect information listed as my name and Address. 

on XX/XX/2021 I sent a second letter as I have received no response and the information is still listed incorrectly

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 2018-04-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed two accounts with XXXX Credit Bureau multiple times. These accounts are not mine and inaccurate. These two accounts are reporting that I owe {$25.00} each.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Bread Financial Holdings, Inc.
State: NY
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 pulled my credit report and saw an account that I didnt recognize, I contacted Community Bank XXXX an asked that they validate the debt as this is not an account that I opened. They have yet to validate the debt with either an application showing I opened the account with my signature and valid identification. They have only sent old credit card statements which doesn't validate the debt or prove that I open or are responsible for this account. It has been 2 months since XX/XX/2020 that I have opened a fraud dispute and nothing has been done to accurate validate this debt. I am asking that they provide valid verification that this account belongs to be such as an application with my signature or this account needs to be removed from my credit reports. 

The documents attached was what was sent to be to prove that this is my account after I sent a validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called and went to the branch to inquire why they deny the promised bonus, but they keep denying giving what they promised originally.

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 2018-05-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/2017

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