BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XX/XX/2023

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990 Credit Bureau Name : transunion Transunion : XXXX XXXX XXXX # XXXX, XXXX XXXX, nv XXXX To whom it may concern, I am writing you because you are reporting increase on my credit port, that I do not recall please see items list XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX Please forward me any documentation, providing proof I apply for credit with this creditors. If you can not provide such documentation, then please remove inquiries from my credit file immediately 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 explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: UT
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2023-02-19
Company: EQUIFAX, 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:
I acquired my credit report and asked the credit bureaus to check and make sure that everything was accurate and complete according to 15 USC 1681i ( 5 ) I have waited more than 30days and received my investigation and Ive notice everything was still the same. The consumer reporting agency which is equifax did not remove or modify anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three reports Which is a violation. This is really impacting me from buying a house for my family and a purchasing a vehicle. 
I am emotionally distressed, frustrated and depressed from this matter. Ive attached my previous credit report and my new credit report to show how equifax violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
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:
XXXX XXXX XXXX Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 has violated my rights.please see attached account number as follows # XXXX 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: NV
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:
would like to get all these unauthorized inquires removed from my credit report XXXX creditXXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, XXXX  XXXX  inquired on XX/XX/XXXX, XXXX XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX  inquired XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX-XXXX  inquired on XX/XX/XXXX, XXXX-XXXX  inquired XX/XX/XXXX, XXXX inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX, XXXX XXXX  inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX XXXX Great XXXX XXXX inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX inquired XXXX 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 non-monetary relief
Consumer complaint received 2023-08-05
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
the XXXX XXXX XXXX services has did an unlawful transfer with a third-party company called XXXX they loaded funds that had no consent, and they had no authority to do such transaction by their policy that clearly states no reloads. Hey then allowed fraud to happen and allowed thieves to take my funds while knowing that these transactions was fraud and without consent.in the amount over XXXX USA Dollars. Hey investigators are unregistered and untrained. Hey, denied all my claims requesting refund of all my money. Congressman XXXX XXXX has also reported that this company stole funds from XXXX. And they still ignored this. Title 1028 shows they are in fraud title 15 1681a shows they violated due process and the permissible purpose. And agreements with in the polices. Hey, shall repay all funds or sue shall be out come they must show how they was able to deal with a third-party XXXX and load funds while they policy state they can not reply back to XXXX in . 72 hours has been given because this company has violated the government and XXXX by fraud actions that they knew was abuse of laws and rights. XXXX is in violation of sending funds to this company without consent and power by policy. Both companies shall pay for every violation they have done they shall send a cash year check in the amount of XXXX Usa dollars in 10 ten days or claim for injuries will go up much higher than requested under the emergency act XXXX request the foreign agent register act of 1938 and anti-bribery act statements for public records or close the business done as computation practices, fraud. XXXX rights affidavit of fact vs theses violators

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 2021-05-04
Company: EQUIFAX, INC.
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:
I XXXX XXXX, the real natural person XXXX XXXX XXXX # XXXX did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter and not a day later YOU HEARDDDD! 
This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I've never had an account with these people.

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 2023-02-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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:
consumer reporting agencies were made aware of fraudulent accounts and information being furnished several times. The consumer reporting agencies have failed to follow procedures before reporting said accounts to my consumer report. The account included in ftc report is fraudulent therefore making my consumer report unfair and inaccurate

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 2020-01-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promo offer for 5 X points for charges on my Care Credit account through XX/XX/20. I used my card at a network dental provider, but did not receive the promo offer. I have sent multiple messages, and called Synchrony Bank, up to and including sending pictures of the actual promo received. They are stating that it was a XXXX offer, and it is very clear to me that they are not even referencing the promo I received. I have the promo card offer there are no dates other than charges thru XX/XX/20. I received 2 X points, but not the 5 points offered on the mailer. Very deceptive and misleading advertising. I have had multiple issues with this bank and the integrity of their promo offers.

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 2020-01-17
Company: SUNTRUST BANKS, INC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, SunTrust has not removed the PMI from my loan. I have paid well over half of the mortage. I contacted them in XX/XX/XXXXand was told the company needed 12 months of payments and it would come off automatically. But at this point the loan was already paid off over 40 %. So I waited until XX/XX/XXXX when they said it would automatically come off and it did not. I called SunTrust and they said I needed to request for its removal in writing. I did that over 3 weeks ago and have not heard back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Alpha Recovery Corp
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, I am at work, unable to answer my personal phone. I see an alert that a phone number XXXX has called and left a message. Immediately after I get a phone call at my job from the same number. I answer my desk phone, the caller identifies himself as XXXX XXXX, does not give a company name, and will not answer me when I repeatedly ask what this is regarding. He finally says it is a personal matter, I reply than this is not the place to contact me and end the call. He then dials my mother and sister. My sister calls me upset, saying a man named XXXX XXXX is looking for me, he sounds very militant, would not tell her why he was calling, and is adamant that it would be in my best interest to contact him. He did give her a company name of Alpha Recovery and a different number than what he is calling from of 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 2023-02-28
Company: ENCORE CAPITAL GROUP INC.
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:
on XX/XX/XXXX I started a dispute via XXXX, with XXXXXXXX XXXX XXXX in regards to, a credit card they stated I owed {$690.00} for. However, I had never received any such card, dispute was resolved and therefore the charge was subsequently deleted from my credit report profile. 
on XX/XX/XXXX the charge of {$690.00} reappeared on my credit report under Midland Credit Management who listed the origin as XXXX XXXXXXXX XXXX, I have attempted to dispute this again via XXXX to no avail. 
XXXX XXXX XXXX dismissed the charge and removed it from my credit report in XX/XX/XXXX and in XX/XX/XXXX, nearly 8 months later it returns as a collection. If a charge is disputed and subsequently deleted they can't just resurrect it, sell it to a collection agency, and attempt to charge me with it a second time, that's no different than double jeopardy!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 thought I fixed this problem with compliant XXXX but it appears that I was not! 

My name has a " XXXX '' on the end in XXXX system but that should not be there. Apparently, XXXX did something where I see the correct name but they can still see that my name has a " XXXX '' at the end. 

In addition, they remove my ability to do disputes online. This is important since when disputing, I see the info that the representatives see, meaning I could see the " XXXX '' at the end. 

I'm am going to consistently report my frustrations to CFPB until they fix it and link every complaint from now on starting with complaint XXXX https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-detail # 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 2020-01-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with CARRINGTON MORTGAGE. 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, XXXX and XXXX  and CARRINGTON MORTGAGE with no successful resolution. XXXX, XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: KS
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:
Deserve the payment processor for the now defunct/ bankrupt XXXX credit card not only reported me as 30  days past due but then certified the information as accurate to Experian in response to a dispute. I made the payment for XXXX on XX/XX/XXXX. Payments are due on the XXXX of the month so I made it 2 days prior to it being due. The next payment due was XX/XX/XXXX. On XX/XX/XXXX Deserve reported that it had been more than 30 days since the payment due date when in fact it had been 48 hours. Its widely reported that this credit card has been unusable since XX/XX/XXXX when XXXX went belly up and could not pay their creditors. Now Deserve is resorting to violating the FCRA to try and recoup their lost revenue caused by XXXXXXXX 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 2023-06-23
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-03-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX Attempted to get my online free credit report from EQUIFAX. 
Website indicated there was a problem and instructed me to call the Equifax Customer Care Team at XXXX. 
Representative ( no name given ) sent me links so I could send a picture of my drivers license and a selfie. 
I attempted to send the pictures and the application failed to accept the pictures 4 times using 3 links sent by EQuifax. 
Equifax Customer Representative offered to tell me how to send in documentation by USPS. 
I've done this before and recieved no response and it was of no value. 
It is an abusive process. 
EQUIFAX appears to be making the process so difficult or inoperable that consumers will give up. 
I want my EQUIFAX credit report online. 
The abusive obstacles EQUIFAX uses are harmful because it encourages consumers to just give up. 
This places consumers, trying to act responsibly, AT RISK.

Company response to consumer: Closed with explanation