BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: TX
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: MO
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:
I tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.

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 2018-02-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Working with XXXX asked for an appraisal to remove PMI, they informed me that my PMI is locked in for 30 years? 

Loan Number XXXX Next Payment Due Date XX/XX/XXXX Next Payment Amount {$1900.00} Property Address XXXX XXXX XXXX XXXX, FL XXXX Loan Type FHA RESIDENTIAL Original Principal Balance {$270000.00} Origination Date XX/XX/XXXX Original Term 360 months Current Principal Balance {$260000.00} Loan Maturity Date XX/XX/XXXX Remaining Term 326 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is 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 2019-10-10
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to Experian.com in regard to the XXXX XXXX XXXX accounts that are on my report and they have been unsuccessful in resolving these errors. They have failed to notate they have completed any of my previous disputed causing me to believe they never completed an investigation on my part. Furthermore, they are reporting false information for 10 months as the term. How did they validate this information is accurate? I wouldn't know because they fail to provide me this information. Finally, they are reporting a past due amount on a charged off account that was written off per my report. This is a violation under the FCRA as well. Included proof of information and disputes and they have failed to do their job. I have never received any of my results from my disputes and they are being negligent on resolving my concerns that are violations under the FCRA by law.

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 2019-09-08
Company: Capitol Credit Services, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am a XXXX women. Today I attempted to use my XXXX XXXX credit card in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX. I could not. I received a email yesterday. The payment I made leaving XXXX balance had posted. Yet, I could not use the card as I expected today. I had to alter my planning for evolving my use for credit performance to increase by credit score. I attempted it several times assuming it was an error. Receipt # XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-04-07
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I started an application for a checking account with Citibank which was never completed yet it shows in my credit report as open. I started a dispute with XXXX and they concluded that it was correct, I don't know the basis for that decision. I contacted Citibank and I was told that the account was never sent to the Credit agencies. 

I believe that it should be removed as it's not accurate. 

Thanks.

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 2018-10-12
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was summoned by XXXX XXXX XXXX for a debt for an account " XXXX ''. I received no letters from XXXX XXXX XXXX asking me if I validated this account was ever mine. Instead they had someone send a summons to me to appear in court. I appeared in court on the day requested to contest the account and they did not hsow up. They sent an affidavit blaming their no show on a scheduling issue. Immediately after I was summoned I sent to the court and XXXX XXXX XXXX a challenge to verify if the debit is mine but all I got was a letter with some statements and one page part of a forward flow agreement between them and " XXXX ''. To this day I have not received proof that I have opened this account such as a signature and per federal law, they should not be able to come after me for this debt if they have no proof. Attached is 5 letters. One is the letter with the entire suit package, second is the summons to appear, three is my answer in response to the matter requesting proof I opened the account, four is the court 's dismissal due to no show by plaintiff, and five is the affidavit explaining their absence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
Someone in XXXX  and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX  My name is XXXX XXXX My phone number is 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 2020-07-21
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: Personal information incorrect

Complaint:
Every time I try to get my credit report, I am told my information does not match which is on the report. I am inputting accurate information and therefore, I assume something is very wrong with my credit report. I am worried that because my name is very similar to that of my brother and father, and we all shared an address recently, that the wrong XXXX might be associated with the wrong SSN. I need to get a copy of my report and figure out what is going on.

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 2020-07-19
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:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME FRAUDULENTLY : XXXX XXXX OPENED : XXXX AMT.XXXX DEPARTMENT OF EDUCATION/XXXX  OPENED : XX/XX/XXXX AMT.XXXX XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX XXXX  ( XXXX   XXXX XXXX  ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX ( XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX AMT. XXXX I WOULD LIKE THE ABOVE REFERENCED FRAUDULENT ACCOUNTS DELETED AND THE FRAUDULENT INQUIRIES. 





Inquiry details Equifax Mtg Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. States I have a right to privacy. 

15 USC 1681 section 604a. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2020-12-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
At the end of the lease, I purchased a new car from the same dealership ( XXXX XXXX of XXXX ). They agreed and documented that they would pay any balances ( mileage and wear/tear ) on the leased vehicle I was turning in. The finance company is saying they never received payment. I provided both the Dealership and finance company with a copy of the We Owe/You Owe contract and the Deal Recap document from the dealership but the finance company says thats not enough, they want to hear directly from the dealership ... the Dealership will not return my calls anymore nor contact the finance company. The finance company has no notes stating that the dealership has tried contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( 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 2020-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
my complainant is against Experian and XXXX XXXX. I went to buy a car and going off my credit on Experian saying it's in the upper 600 and thinking my credit was good only to be denied because it was really low and now its going on my credit report and lowering it even more. Between Experian and XXXX XXXX it's false advertisement. It's going to really hurt my credit now and here i been trying to work hard on bringing up my credit.

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 2016-05-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All three XXXX bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Self Financial 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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: MD
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:
On XXXX, Equifax and XXXX, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Suttell, Hammer & White, P.S
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a judgement that is being held against my from XXXX and XXXX XXXX XXXX XXXX Attorney at Law, this judgement resulted as a garnishment. The garnishment was paid in full and I have documentation to prove it. They keep sending me letters saying judgement is valid and that they did an investigation and that it must be paid. I have yet to receive a call back after numerous calls trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received XXXX phone calls from a debt collection company asking to speak with my spouse ( asked to speak to him by name ). Calls received on XX/XX/XXXX, XXXX, and on XX/XX/XXXX and XXXX, XXXX. All after XXXX and before XXXX. 

I did not answer the calls on XXXX XXXX and XXXX. However, on XXXX XXXX I answered and spoke with a collections rep. He hung up on me while I was asking a question ; I called back and spoke with a different rep. who apologized for the rude behavior of the first rep. I said that I would give my spouse the message to call them back. The rep. claimed that my husband gave them my number to reach him. This is false, and I told the caller so ( confirmed this with my spouse who never leaves my cell phone number with anyone ). 

On XXXX XXXX, I received another call asking to speak with my spouse. I gave them my spouse 's work phone number. That evening my spouse confirmed that he spoke with the collections company. But my spouse believes the collections company has the wrong guy. 

On XXXX XXXX, I received another call that I ignored ( voice mail was left ). However, when I tried calling back, thrice, the line was busy. 

It's illegal for debt collectors to contact third party ( i.e. family members ) more than once, correct? Obviously, this company is way out of line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Was not notified of investigation status or results

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX  and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.

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