BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-17
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX claims no hard pull, but same day a hard pull shows up on report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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

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 2018-02-13
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
MY MOTHER TOOK OUT A LOAN WITH XXXX  ON XX/XX/1998 AND HAD SINGLE LIFE INSURANCE ON THIS LOAN IN CASE OF HER XXXX WHERE THE LOAN WOULD BE PAID OFF SO THAT MY VETERAN FATHER WOULDN'T HAVE TO WORRY ABOUT ANYTHING. 

LAST XXXX THE LOAN WAS TRANSFERRED TO SHELLPOINT MORTGAGE AND SHE WAS TOLD THAT THE INSURANCE CONTINUED WITH THE NEW COMPANY AND NOW THAT SHE HAS XXXX THEY ARE SAYING THAT IT WASN'T TRANSFERABLE AND THEY NEVER TOLD HER OTHER WISE AND NOW SHE HAS XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I 've spoken with 3 representatives from Transunion within a month. I have inquiries that I did not authorize and was removed. Due to a glitch they were added back on my report without a 5 day written notification. The companies did not have my permissible consent to pull my credit.
Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. In accordance with the written instructions of the consumer to whom it relates. To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the 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 2020-07-08
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, AFNI has decided that I owe XXXX XXXX XXXX {$270.00}. XXXX XXXX XXXX has said they have no knowledge if this account and this is fraud. I received no communication from them and the bill juts appeared on my report. I have had the same XXXX  phone number for 22 years and my account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The Account was given a Forbearance thru the Months of the end of XXXX due to COVID ... My Credit was hit with a late payment for XXXX ... That's incorrect if the account was already in a Forbearance ...

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: Credit Consulting Services, 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:
Credit Consulting Services of XXXX, CA continuously reports that I owe {$3200.00} to XXXX XXXX School. I sent them a letter from the school stating that I do not owe them anything, but CCS continues to report false information about me that is hurting my credit report. Please see attached letter from the school. Please help me, this is illegal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. This item is fraudulent. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-07-07
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from Credit Management , LP XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX for {$510.00} XXXX. 

I have never had their services the cable services I have had for the last 15 year has been in my husbands name not mind and we transferred our services to my new address. I dont know how they have my address for this it has to be a fraud, scam or the wrong person. XXXX XXXX XXXX has lost a lot of business I have seen on the news now there creating fake accounts with peoples information. 

Some one at this company is doing fraudulent activity getting people information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Review my credit report, and I've noticed some discrepancies and you see the attached for details. Please help I am trying to get this account that was created by identity theft off my report. This is restricting me in my financial life providing for my parents, fianc ' and child.

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 2018-02-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX representatives twice assured me that they removed late fees on my account. Instead, XXXX XXXX   reported my account as delinquent, damaging my stellar credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: SLM CORPORATION
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:
I sent certified mail in XXXX to request a notarized statement attesting to their compliance with all provisions of the Fair Credit Billing Act with respect to my account : To Provide documentary evidence of my indebtedness for all charges for which they claim I made late payment.

To Provide documentary evidence of timely billing and timely posting of all payments made on this account, whether or not they claim they were late, from the date the account was opened through the present. I never received this information. Therefore, by law, the derogatory mark must be removed from XXXX, XXXX, and XXXX  immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX I installed on my TV the program XXXX  XXXX  from Google. On XX/XX/XXXX I unstalled this program Never watched no more. In XX/XX/XXXX I notice that My creedit card XXXX  XXXX statement ending in,,,,,,,,,,,,,,,,,,,,, XXXX there was still from XXXX XXXX in the amount of {$64.00}, XX/XX/XXXX, I called XXXX Ph XXXX XXXX XXXX, I spoke with a lady about noon time asking her to cancel my suscription .She said she took care of it. However I noticed that my Credit card statements show the same monthly amount until now. XXXX XXXX sent me leters with a lot letter with questions and the reason why I wanted to discontinue my XXXX? I told me that XXXX XXXX, which I have, similar programs I did saveral attempts to call Google They put me on hold for hours and finally they hang up on me Late XXXX, I asked XXXX XXXX Representative to enter a three party conference call : Myself, XXXX XXXX and Google., We called Google Ph # XXXX XXXX XXXX Put us on hold for two hours. XXXX XXXX Representative said sorry I can not wait long. I tried again next day. They give you a lot of options to log in using a computer There is not XXXX option English is my secon language, I just could not do it. I decided to retain the services of XXXX, XXXX  This company helped me to cancel my suscription of XXXX XXXX   which was canceled on XX/XX/XXXX. However XXXX is still charging the monthly premium of {$64.00} XXXX see attavchments ) The same thing is happening with XXXX XXXXbill phone XXXX XXXX XXXX, I never solicited movies program. They are charging me {$290.00} /month in my XXXX XXXX credit card ( see attachments XXXX XXXX XXXX said thet would not stop XXXX and XXXX from paying them. That I have to do it myself or with a court orders, I explanined that I tried many time and I can not contact them y phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
State: AL
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 NOTIFIED ALL THREE CREDIT BUREAUS ASKING THEM FOR A VALIDATION OF ACCOUNT FOR XXXX XXXX ACCOUNT XXXX. THIS ACCOUNT NEEDS TO BE DELTED FROM MY CREDIT REPORTS.

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 2017-08-11
Company: Northeast Collection Bureau
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX 2017 @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX 2017 @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL XXXX w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for XXXX ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, XXXX XXXX XXXX XXXX XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Credit Corp Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received letter from credit corp solutions from a XXXX  debt of XXXX. This was identity theft. Money was returned after investigation by cc company. I went on and cancelled cc cards with XXXX  as requested by cc company. This debt was identify theft and already resolved a while back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing your response, I would like to say that I am not using a credit repair firm and never have. I feel that the item listed in m y credit report are inaccurate, and I would like your company to investigate.

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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wrote to Credit Bureau requesting an investigation into item that I believed is OBSOLETE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 
I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor. 
XXXX XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.

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