BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: Colony Brands, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has come to my attention that XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) have recently made multiple inquiries for new credit on my behalf. In addition, I have received phone calls from both companies stating that I am passed due on accounts that were opened with an address that is not even a real address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ). I want to be clear : I have NEVER authorized either of these companies to run my credit or open new accounts in my name. I have called both companies on 6 separate occasions to find the root of this problem and resolve it but their customer service representatives have been unable or unwilling to investigate it for me. These transactions were unauthorized and these businesses should be investigated immediately for fraudulent business practices. Please investigate this matter and correct the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection notification regarding a utility service for an address in XXXX Texas. This is an apparent case of ID theft since I've never lived in XXXX. The amount owed is {$340.00}. The utility company is XXXX XXXX ( account number XXXX ) and the collection company is On Line Information Services ( reference number XXXX, PIN : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts reporting on my credit file as a result of identity theft. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The following Inquiries was not authorized by me : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Incorrect Names : XXXX and XXXX Incorrect Addresses : 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 2021-02-02
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: Investigation took more than 30 days

Complaint:
I have sent numerous letters disputing inaccuracies information on my reports. Most recently I sent a letter on XX/XX/XXXX and I received no response within 30 days. It is now XX/XX/XXXX and I have mailed yet another letter to get the matters resolved.

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 2023-06-22
Company: EQUIFAX, INC.
State: NM
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:
The items listed below are reported on my personal credit file and were found in my reports with Equifax and XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  XXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harris & Harris debt collectors.

Debt is not mine.

Daily auotmated phone calls at my place of work. weekends, too.

No one is available to speak to, to resolve issue.

They've been calling for 3 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dispute to Ford Credit - Late Payment Mark for XX/XX/2020 XX/XX/2020 I was hoping to have a late payment mark for XX/XX/2020 removed from my account to reflect positively on my credit score. I am a first responder whose wife works for a local business. As you can imagine we both have been extremely affected by the COVID-19 pandemic. We were married on XXXX XXXX2020 and bought a house at the beginning of this year. It has been a huge year for us, and we were hit very hard with financial problems as COVID took over -- - my wife has had her hours tremendously cut which put a large burden on us. We were extremely grateful for Ford allowing us 3 months of deferred payments, it helped tremendously. We called on XXXX XXXX2020 after we could not come up with the payment for XXXX and asked for one more month of extension and we were told we could not have an extension but we could schedule the payment for a later date, which would put our account in good standing. So, I scheduled the payment for XX/XX/XXXX, both me and my wifes next pay day. Today XX/XX/XXXX, I received a notice that our account is 30 days past due and that our credit score was affected. I called Ford and spoke to two representatives explaining this entire story, twice, who explained that even though it was scheduled, if it is 30 days past due there is nothing, they could do about it. I explained this information was not relayed to me this way, but I understood to keep peace. I just wish that the employee who helped me schedule the payment would have made me aware there may be a penalty. We have never missed a payment and we both have now found better financial stability as things are moving back to normal and we are confident this will never happen again. This is also my very first. late mark I have ever recieved and it hurt my score tremendously, which is extremely scary during these times. Ford will not budge at all. I even offered to pay two car notes to put me in good standing automatically and they  said it would not matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
15 U. S.C. 1681 SECTION 602 ( A ) States I have right to privacy 15 U.S.C.1681 SECTION 604 ( A ) SECTION 2 : It also states a consumer reporting agency can not furnish a acount without my written instruction In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXXXXXX Account # XXXX has violated my rights XXXX Account name : XXXX XXXX  Account # XXXXXXXX XXXX  Account name : XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account name : XXXX XXXX Account # XXXXXXXX XXXX  Account name : XXXX XXXX XXXX Account # XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Thank you in advance

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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX is reporting incorrectly to XXXX ; XXXX   and Transunion the verbiage on the XXXX XXXX   account number XXXX. ( Please see page 3 of the attached credit report. ) The current explanation is as follows : XXXX XXXX Account Foreclosure, etc. This language is inaccurate. This account was sold, NOT foreclosed. It is extremely important that the language being conveyed is accurate. This incorrect reporting is harming my credit score and I respectfully request that this language be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue, 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 2021-11-07
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
It looks like my credit file was breach or identity theft or both during the time frame of. XX/XX/2018 to present

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 2023-05-10
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: 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive disputed the same account multiple times but to not avail. I disputed an account on XX/XX/2020 with Portfolio Recovery Associates LLC. 
and never received any follow-up communication from the company to validate or further the investigation on my request. 

I called them yesterday ( XXXX XXXX ) because I settled a debt with the same original credit furnisher ( XXXX XXXX ), not realizing that they were two separate accounts. They told me that the account was still in dispute status for {$900.00} dollars, and is still being reported to The CRAs as accurate information ( as of the XXXX of XXXX ) even though its in dispute status. 

I told the manager that, by law, they are required to make a determination within 30-45 days but is has been reported ( since XX/XX/XXXX ) that the credit is accurate. They didnt do their due diligence and refuse to take any further actions. The lady even stated that they had 90 days to make a decision and they were giving me more time due to the pandemic, which is not upholding the law, but also not a circumstance I asked them to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
APPRECIATED SENORS INVESTIGATORS CFPB AND CEO SIR DIRECTOR FEDERAL AGENCY DEFENDERS OF THE CONSUMER. 

FORGIVE, UNDERSTAND UDS ADDRESS THIS MAN IF HE HAVE PROBLEMS, BUT IT IS NOT THAT APPRECIATED SENORS THIS COULD BE RETALIATION OR FRAUD. 

I WAS APPROVED BY XXXX CREDIT CARD AND I HAVE COME PAYING ANTICIPATELY FROM XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX A CREDIT FOR {$150.00} DOLLARS AND FROM THE ABOVE MONTHS MENTIONED, I HAVE COME PAYING {$50.00}, {$47.00} {$38.00} {$44.00} {$60.00} {$50.00} {$47.00} {$50.00} XX/XX/XXXX AND I STILL HAD THEM AND I HAVE CHARGED FEE UNNECESSARY AND A DISORDER IN THE PAYMENTS MY STATEMENT HAS TWO CYCLES OF PAYMENTS ONE ON THE XXXX OF EACH MONTH AND THE XXXX OF THE SAME MONTH THERE IS A DISORDER WITH MY BILL OR IT IS I HAVE TO PAY IN 1 MONTH 2 TIMES EACH MONTH AND CREDIT LINE .... IT DOES NOT KEEP ALWAYS LOW WITH FEE OF {$35.00} THEN GO UP WITH PAYMENTS, AFTER LOWER WITH OTHER FEE, IN CONCLUSION XXXX WAKE UP WITH MY XXXX  COUNT

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 monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: LDF Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have never applied for a loan with this company. On XX/XX/2021 I received an email with a denial letter for this attempted loan. I already have fraud alerts on my credit report so I am assuming that is why the attempted loan was denied. I expect the inquiry taken off of my bureau and an alert sent to this company that I did not apply for a loan with them and not to accept any applications from me because they are not legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: DC
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:
Equifax continues to report an open student loan account with XXXX as current and a loan balance over {$6000.00}. Even after their investigation they still have not corrected the problem. The account with XXXX  # XXXX was transferred to XXXX and paid. I have a XXXX loan balance. The account is not open. Your investigation clearly shows this acct with XXXX is paid. However, you continue to report false information that its current and open with a balance and XXXX is reoprting this to Equifax every month. When in fact this account was transferred and closed in XX/XX/XXXX. The language of Current does not mean to XXXX that the account is open. Your investigation is incomplete and lacks clarity. Please ask XXXX happened to acct XXXX. You will see that XXXX has not reported to Equifax on this acct since XXXX. The acct is not open but was transferred to XXXX and paid. This is the type of discriminatory practices of Equifax. They do not correct their reports. I do not have an open installment loan with XXXX. All of my student loans are paid wirh XXXX balances. Please correct this error. Also, you have lowered my credit scores over the years due to this false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.

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 2020-07-16
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: Information belongs to someone else

Complaint:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3400.00} XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions 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:
summited a dispute with XXXX XXXX XXXX, XXXX company, and XXXX XXXX XXXX I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692 ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this 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 2021-11-07
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene finance is the mortgage servicer, I closed on my property on XX/XX/2021 and had to make my first payment on XX/XX/2021, I Made the payment on XX/XX/2021 to Selene finance, on XX/XX/XXXX I received a letter from Selene finance stating that they had sold my loan to XXXX XXXX on XX/XX/2021 but failed to send me notice, the payment made to them was never applied to my account nor forwarded to XXXX XXXX, now XXXX XXXX wants the XXXX payment from me, i have made many calls to Selene financial to send the payment to XXXX XXXX but after 4 months they still havent, I have provided all this info to XXXX XXXX but they continue to harass me for the XXXX payment being stolen by Selene finance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian refuses to delete this fraudulent account from my credit file from XXXX XXXX XXXX which was unverified and deleted by 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