BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2021-05-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account / information is over 7 years old and wont go away. 

Source : Experian Date Submitted : XX/XX/2021 Estimated Resolution Date : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : Correspondence Team XXXX XXXX XXXX, XXXX, TX 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 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Bread Financial 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: Account information incorrect

Complaint:
We previously had a XXXX 's XXXX XXXX credit card that is sponsored by Commenity bank. The bills that were due XX/XX/2021 and XX/XX/2021 were not received in the mail until XXXX XX/XX/2021 due to significant problems with the mail service. The payment for both bills were mailed on XXXX XXXX so the bill for XXXX was definitely not 30 days late because the bank cashed both checks on XX/XX/XXXX. My wife and I called on XX/XX/XXXX when we discovered that the account had been suspended and spoke to a supervisor, XXXX, who was not willing to assist with the situation. We decided to close the account and authorized XXXX to pull the remaining balance, {$33.00}, from our XXXX XXXX checking account. He confirmed in the phone conversation that the balance had been paid in full and the account closed. We received a confirmation of this by letter from XXXX 's customer care dated XX/XX/XXXX along with another letter verifying that we had authorized the transfer of funds. However, on XX/XX/XXXX we received an additional bill for {$510.00} after an earlier verification that the balance had been paid in full and the account closed. My wife mailed the payment but on the same day we received notice from our identity protection that we had received two negative reports at the credit bureaus for this account. This morning we discovered that we had a credit of {$510.00}, the exact amount of the bill. A representative at Commenity Bank, XXXX, provided assistance and agreed that the negative reports were fraudulent and should never had been submitted to the credit bureaus. We requested to speak to a supervisor who after a 10 minute wait refused to speak to us but instead assured XXXX that the negative reports would be removed and that we would receive the amount in credit back in our XXXX XXXX checking account. Neither has happened and my credit score has been adversely affected over what appears to be a malicious act to intentionally damage my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have recently received my current credit reports from XXXX, Experian and XXXX and they all show different information regarding my closed XXXX account. The dates reported late are incorrect. XXXX shows 90 days late twice and 6 other times late 60 days late. While XXXX and Experian shows the same account 60 days late twice and 30 days late 6 other times. This is the same information I disputed a while back as being incorrect but now I have the proof. It has been reporting incorrect all this time, if they are pulling information from the same source how is this misinformation being reported differently on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
Using incorrect information, this is not a charge off, using over 4,000 robots calls, using fraudulent information, violating my rights by not informing me of court dates without a summons, this account been close.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, 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:
I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX XXXX knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with XXXX, Equifax and XXXX. All agree this is an error but can not stop XXXX XXXX 's reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX   continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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've disputed this company many times. They stopped reporting to one of the credit bureaus but still report to transunion. These accounts are not mine

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 2018-02-26
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I spoke to a woman at XXXX XXXX for 8minutes. 

She gave me two account numbers and told me they were both in collections. 
I advised her to give me total amounts and what was owed. 

The first account was taken out of collections and has been placed back into the Hospital at XXXX XXXX XXXX XXXX, where I have been making payments. The lady at CMRE advised I owed {$230.00}. Which is false. I have a copy of a bill that says I owe {$180.00}. When I received the bill from XXXX themselves it said I owed {$150.00}. So they sent me a statement with a false premium. She also stated that I just made {$100.00} payment for account number XXXX. WHICH IS THE WRONG ACCOUNT. I have a copy of my receipt showing the right account number. She mislead and gave false information. 

She advised both accounts were in collections. When I advised that the XXXX XXXX one was not she argued and stated that they need to call them. Basically they send me a bill with the wrong amount on it. And refuse to take it out of collections. 


I have attached receipt, phone info, and copy of the false statement they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: BANK OF THE WEST
State: WI
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:
XX/XX/2019 : Received a preapproved credit card offer in the mail. Upon going online to accept the card, I was asked to enter some 'identifying ' information. Upon submission, I was told I'd hear back in 7-10 days for the status of my submission. I called customer service at the toll free number, they told me they only do a soft CB pull and then do a hard pull after to see if I'm approved! IT IS MY UNDERSTANDING YOU CAN NOT SEND A PRE-APPROVAL AND THEN WORK THE CUSTOMER AS AN APPLICATION SUBJECT TO APPROVAL! BAIT AND SWITCH.

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: 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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. Please remove ASAP : 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 non-monetary relief
Consumer complaint received 2023-10-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-15
Company: Premier Auto Credit
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX  XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Original creditor name : PREMIER AUTO CREDIT ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )

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 2022-04-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$370.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2023-09-24
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX of this year 2023 I received a statement of some sort from XXXX XXXX services. My eyes popped out of my head when my son opened it and said mom XXXX says you owe them money {$4300.00} unpaid balance my jaw dropped. Last year I sued XXXX XXXX XXXX and won same type of circumstances. I owe nothing to XXXX I've never even stepped foot into a XXXX. I don't own Credit Cards I have XXXX to my name. I own a debit visa card that's it and that's all i want and need. I pay cash. I'm XXXX XXXX XXXX with serious medical issues and this is the last thing I need affecting my life. But trust me not the Lord Jesus Christ will have them pay for all the grief and sarcastic tone their employees give me over the phone. This is elder abuse to the 5th degree. XXXX is a fraudulent institution who's been sued by many elderly people for fake bills, and steeling from us hard working people that are retired. I will fight this into the courts like I did with XXXX  XXXX XXXX you might be a big company trying nto steel from the little people but your not ruining my credit and my good name. Take these letters and forward them to the correct people stop harassing me sending me mail calling I will definitely sue for XXXX times or XXXX times the amount. I call them on the phone I get yelled at because their asking me questions I can't answer because I don't do business with them, if i new the XXXX digit card i would give it to the representative. They basically laugh at me a form of intimidation. My question to XXXX is STOP fix my credit and I'm suoing you for elder abuse. Im contacting state attorney general office, gavins office im going to blow this up.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: VA
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Global Lending Services LLC
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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 status incorrect

Complaint:
I am writing to dispute the following information that XXXX XXXX provided to Experian and XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 

This XXXX XXXX account opened XX/XX/ 2017 is inaccurate because Its not in collections, it has a XXXX balance and has not been active in quite some time. This needs to be removed from collections section on my credit report. 

I am requesting that XXXX XXXX have the inaccurate information removed from the my credit report. Enclosed are copies of of my credit report with the account in question supporting my position. 

Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item as soon as possible.

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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please reverse the late payments reported on the following accounts : XXXX XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-08-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX XXXX XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on XXXX is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In XXXX and XXXX there is nothing negative in the payment history reporting, in Experian why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

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