BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2020-09-17
Company: I.C. System, Inc.
State: NJ
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:
I C Systems failed to validate a debt that I dont know about.

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 2021-05-02
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
G C XXXX XXXX on XXXX the amount {$380.00} for a debt the does not belong to me. This same amount was disputed with Credit Collection Serv on XXXX in amount of {$380.00}. The company XXXX sent this on XXXX to credit agency Credit Collection Serv and now resubmitting to G C Services which again has been submitted to credit bureaus as a debt. Each time this has negatively impacted my credit by XXXX38 points. This should be against the law and is considered fraudulent. The credit bureaus will remove derogatory accounts but will not give back the points taken due to the misrepresenting/fraudulent activity! Companys are allowed to do this to hurt the person with no consequences because they know they will impact the persons credit score. Persons should not be affected by fraudulent activity on a consumer part. This is not fair or ethical.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Mercantile Adjustment Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
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: Information belongs to someone else

Complaint:
Ally had put a loan on my credit report and I never had a car loan in my life. Thay said I owe {$12000.00} on a vehicle loan I never seen never signed and wont give me any kind of proof. Im at my end with this because of this I may have to file bankruptcy I owe them nothing and have no way to fix

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: 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. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEP ED, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX EQUIFAX MORTGAGE SER EQUIFAX MORTGAGE SERVI EQUIFAX MTG XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have disputed these accounts through US mail, E-mails- Credit Agencies and etc. I have reached out dozens of time sand still get the same response. These are not m, y accounts. I did not open or apply for any of these accounts. The address that opened these accounts is a different apartment number. This was fraud and I have had everything from cell phones to credit cards opened without my knowledge I have sent copies of my identity theft report and my complaint and still nothing. 
Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is an FCRA violation also open to damages collected from you by me. 

I expect to receive the proof requested above, within 10 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

If you have true and accurate proof of this alleged debt, you may send it to me by mail in the form of complete and accurate billing, and payment and account history as allowed to be under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and Associates is claiming I owe a debt, and the balance of that debt is {$0.00} but somehow shows up on my credit report as a debt/balance owed. I never owed them anything so I never paid anything late and therefore shouldnt be a balance at all especially a XXXX balance. Please take this off all credit reports its causing a lot of problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not agree with the amount being demanded and threats to my credit report. I believe this is false inflation on behalf of the company. They adjusted my rate to be 3 times the original amount with no communication to me. I think cancelled and got this bill. i think this company is practicing fraudulent processes because its a service that everyone needs. I would like report this company for fraudulent activity towards me as a former consumer. There is no way I should have received a collection account for almost {$1500.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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 fraud alerts or security freezes

Complaint:
My credit has been on the up and up for almost 2 years. Ive been rebuilding my credit doing a great job I have been paying down my auto loan to 80 % now in just three years for a five year loan. 
I owe nothing on my credit cards. I only use my XXXX card but I use it weekly and pay it off before its due every month. Ive never missed a payment in the last 2+ years but Experian has been messing with my credit score. I have proof they would drop me 15 points or raise me five points then drop me six then raise me again all within a month or two.

I believe theyre doing this to make people use Experian boost. I think what theyre doing is absolutely criminal blackmail. 
I believe theyre blackmailing consumers into buying into their boost program to raise the credit scores when they have no right to lower them. 
They dropped my credit score 20 points in one day for no reason!!!

They say they only monitor but that is not true they adjusted my score 20 points in one day downward when the other two agencies are increasing my credit score. 

Ive been trying to build my credit up because Im buying a house in XXXX or XX/XX/2021 and Experian thinks its a game that they can play with someones credit score to make them join Experian boost.

Every time they send an alert they say need help raising your score get Experian boost. Or they send an alert saying we just dropped your credit 20 points get boost to bring it up.

I believe its a scam!!! I believe what theyre doing is criminal blackmail using peoples credit scores as the bait!!! 

I want an investigation done please. 
This is absolutely wrong. I called them this morning and they would not give me a good reason of why my credit score went down 20 points in one day.

One operator said when I paid off a credit card ( that I didnt even know 10 % of my limit on and never missed a payment ) that lowers my score. I couldnt believe he said that when you pay off a credit card my score gets lowered that is absolutely a lie its ridiculous and how dare them tell people this they recorded my conversation I hope you guys can subpoena or tell them you want that recorded conversation because he did tell me that I said it was a gas card that I charged up XXXX in a month and quickly paid off before it was due how would that make my score go down he said it does I couldnt believe it. 

I would bet theyve done this to many other consumers and I would join a class action lawsuit against EXPERIAN to make them stop these criminal practices.

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 2018-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX   with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: WELLS FARGO & COMPANY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 2021-01-22
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 information incorrect

Complaint:
Hello I opened a XXXX XXXX XXXXXXXX credit card from an offer I got on XXXX XXXX. I didn't use the card for months, then eventually booked a flight that costed {$86.00}. Because I never had used the card, I completely forgot that I used it that ONE time. I NEVER received a bill. All of the sudden, I received an alert from XXXX XXXX that I had a late payment for not paying for three months. I actually couldn't even remember what it was for and I thought they were charging me an annual fee. I immediately cancelled the card and paid the {$89.00} ( {$86.00} plus some fee ). I have literally NEVER been late to pay a bill in my entire life and this can be verified on my credit report. It is the fault of XXXX XXXX XXXXXXXX. They NEVER, EVER sent me a bill and that is how I know when things are due. I expect creditors to actually send me a bill so that I can pay them on the due date. This did not happen. Had they sent me a single bill over the course of three months, the bill would have been paid on time. I had an exceptional XXXX score and now it has dropped signficantlly all due to one XXXX XXXX XXXX payment of {$89.00} which I was never bill for!

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 2022-08-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been approved for the Home Owner Assistance program. I have a completed third party authorization form but my mortgage servicer will not accept any of my forms. They say they have no correspondence from the state. I was approved in XXXX, I sent my application in XXXX. These funds could be sitting and not even being processed or my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to my choices on what happened is not on your list choices. I have to submit this in my own words. First I sent a creditors validation letter to AFNI, Inc and never responded back to me accordingly to the FDCPA Law. Which requires them to respond back in thirty days. So, they should be removed from. My credit report as of this month is month. I had my personal consumer investigator contact them about the removal of the collection and he also found out they are not registered by the State of Texas. That is a violation and they don't have the right to collect debt in the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
We applied for a mortgage on Friday. Monday morning we are getting 10 calls an hour soliciting us for mortgages. One company was XXXX XXXX. He told us he got our information from TransUnion. How is it legal that TransUnion so mod our name and cell phone to other brokers? 
We called TransUnion and spoke to the supervisor in charge at a call center and he was completely unhelpful. All he kept saying was that we should purchase credit watch services to protect us against leakage of our credit information. It was infuriating as we were told it was TransUnion that leaked it. He could not understand why were upset and we ended the call with no resolution, instead filing this complaint.

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 2018-12-07
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX  XXXX/XXXXwith no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

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 2020-12-09
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: Investigation took more than 30 days

Complaint:
I reported to XXXX XXXXXXXX about this auto loan that was fraudulent put in my name through a family member without my authorization.. I want to know how I was able to get a car loan making only XXXX XXXX a week! This account is fraudulent and need to be remove from my account Im attaching XXXX XXXX XXXX XXXX for my hours I worked at 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 2018-12-07
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX  XXXX/XXXXwith no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

Company response to consumer: Closed with explanation