BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: AZ
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account on my credit report stating that i owe this company {$230.00} which is impossible as looking at the dates of their information I was in Jail this is not my debt and i am not responsible for this I have no knowledge of this. It is invalid and needs removed at once. This company is comitting fraud by reporting that i owe any money to them. I've NEVER had an account with them or the company XXXX that they are claiming the debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, 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:
This is the second request..I had asked you to remove accounts that I do not recognize that includes addresses, and my name is incorrect. Additionally, there are a ton of inquiries in which I did not approve. Please delete them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Upon checking my credit report I have noticed that there are still inaccurate accounts and unauthorized inquiries appeared in my report. I have filed a proper documentation regarding this to the credit reporting agency and yet they did not remove them, they are still reporting it. I have here attached the files for your reference.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file

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 2018-08-02
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
XXXX is a company of XXXX and XXXX XXXX  up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX Synchrony Card, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell Synchrony to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with Sychrony many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, XXXX, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell Synchrony. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, XXXX, and XXXX and cancel my debt with Sychrony I will contact Civil Rights Commission and think  about next step on how mortgage is denied. Frauders and liars.

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 2020-11-13
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For over 20 years I have had a month to month gym membership with XXXX XXXX located in Utah XXXX XXXX XXXX. In XXXX of 2020 XXXX XXXX XXXX sent out an email, they XXXX were closing permanently I cancelled my credit card payment and ordered a new on as I did not want my information out there in Bankruptcy litigation or to be purchased. 
I later received an email from XXXX XXXX saying they were handling all of the XXXX memberships and I was included in this. I had never signed any agreement with XXXX and the Billing company in Utah was XXXX XXXX in XXXX Utah was persistent in leaving me voicemails about a delinquent account I have with them which I have never had an account with them. The callback number they leave will have you on a holding pattern that will not answer, after several attempts to call back I finally looked up the corporate number and finally got in touch with a representative who said, I can not cancel this contract until I pay the delinquent amount, they insist that I do have and signed a binding contract with XXXX XXXX and XXXX XXXX the billing company. I told them I have never signed anything which I have never signed a contract with anyone except XXXX XXXX. I would not pay for something I did have a contract with and asked them to email me a copy of my contract with XXXX they said they would but never have. Now they have sent me to a collection Agency Aldous & Associates P.L.L.C also in XXXX Utah who have a business affiliation with XXXX XXXX and XXXX XXXX they own the franchise for XXXX. They also will not send me a copy of the contract they say I have with XXXX, tey insists I am delinquent in payments I have never agreed to and have no contract with them, they keep threatening me with court proceeding and they threaten me with filing this on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2017-12-18
Company: The Receivable Management Services LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I pay for my insurance, change company but this company insist even after our over the phone conversation regarding the matter. Debt collection company promise to file my document to the collection bureaus and credit bureaus.

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 2017-12-18
Company: Prosper Marketplace, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I was unemployed for a period of time and accumulated a sum of credit card debt, which I am now paying down after having gained a decent job. However, I regularly receive mailings from several companies that have very imposing-sounding wording, and are misrepresenting the contents of their mails. For instance, their envelopes have " Final Attempt '' in big red lettering, and the front of the mail ( the part that is visible before opening the envelope ) says " pay to the order of '' with my name underneath it. 

These are private entities that I DO NOT owe money to, and to say " Final Attempt '' implies that they have been attempting to contact me for debts that I owe them. 

To write " pay to the order of '' implies that they owe ME money, which they do not. These are just debt consolidation services that are trying to use fear and misdirection to convince me to take out a loan with them. The worst offender by far is Prosper ( https : //www.prosper.com/ ), and I have attached a picture of the most recent letter I received from them below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX name XXXX XXXX and number XXXX has violated my rights 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

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 2023-06-03
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Receiving several calls a day from this company. I asked to verified the which they have ignored with no response. If they can verify the debt I'll be more than happy to pay the amount owed to them otherwise they need to spot calling me and delete their information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX approved me for {$32000.00}. Ive been paying on the loan I got behind on the loan and as of 2017 XXXX. As of Today the orginal amount they claimed they gave was {$32000.00} I still owe that amount and my loan has been transferred 3 times and it went from XXXX XXXX to XXXX XXXX  to XXXX XXXX  servicing to Shellpoint Mortgage. This loan was a predatory loan from the beginning and I've been trying to get assistant from an non profit organization and lawyers of South Carolina however I cant get any help. Clearly XXXX XXXX didnt provide me with a clear understanding with what type of loan I was getting myself into and they took advantage of me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a phone call from my bank tell me there was a certified letter from an attorney 's office tell me they were putting a hold on my account. The hold was due to a payday loan company for a past due balance that I didn't pay. They gave me the attorney 's phone number telling me and extension telling me if I didn't arrange payment that they would put a lien on my bank account. 

The amount they told be to pay was {$1700.00}. I immediately transferred {$1700.00} to my checking account to cover the amount of this debt. 

When I called the bank to ask them about the hold my account they didn't show that I had a hold on my account. 

Now I am beginning to wonder if this was a bogus claim. I do show the letter from the company showing I paid the amount in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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: Information belongs to someone else

Complaint:
I am interested in disputing all inaccurate information on my credit report with experian. checking my file ive noticed alot of data that is hindering my file. please remove the information asap.

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 2022-11-30
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime Bank closed my account on XX/XX/2022. I called to ask why, and was told the system had closed the account, and they could not give me a reason. My Social Security direct deposit was due to hit my account today, and I was told the deposit would be returned in a few days. My landlord, car finance company, and other creditors are expecting payment, and as a result of this action by Chime, I am unable to pay them or give them a date when I will pay them. Also, I am unable to pay for repairs done on my car, which will be completed tomorrow. I was given no warning, nor explanation as to why the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I need you to investigate the following accounts you claim to be accurate on my credit file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a collection/charge off how can there be a late paymenXXXX on it? This a Violation. Delete this account immediately Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and maXXXX 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 non-monetary relief