BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2021, I complaint against XXXX XXXX XXXXXXXX for HAVING MY PROFILE FULL WITH RED FLAGS AND WITHOUT ANY PROOF to the OFFICE OF THE COMPTROLLER OF THE CURRENCY. XXXX XXXX XXXX answered to the OCC that the bank NEVER HAD REPORTED ME TO THE EARLY WARNING SERVICES AND THAT MY ACCOUNTS HAD ANY PROBLEM AND MY ACCOUNTS NEVER HAD HAD ANY RED FLAGS. These statements are FALSE because XXXX XXXX XXXX REPORTED MY FOUR ACCOUNTS AS FRAUDULENT IN EARLY WARNING SERVICES. I DISPUTED THIS FRAUDULENT INFORMATION TO EARLY WARNING AND I PROVIDED PROOF OF THE LIES WRITTEN IN THE XXXX XXXXXXXX XXXX REPORTS, HOWEVER, XXXX  XXXX XXXX ANSWERED THAT THEIR REPORTS ARE CORRECT AND ACCURATE, BUT WITHOUT PROVIDING ANY PROOF. EARLY WARNING SERVICES HAS ACCEPTED THIS FRAUDULENT STATEMENT AS REAL, AND EARLY WARNING DOES NOT WANT TO REQUEST PROOF OF XXXX XXXXXXXX XXXX 'S STATEMENTS, MAKING THIS REPORTS FALSE BECAUSE THEY CAN NOT ACCUSE ME OF BEING A CRIMINAL WITHOUT ANY PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Personal information incorrect

Complaint:
I received a copy my current consumer report and immediately noticed inaccurate addresses, misspelled names and completely different phone numbers that do not belong to me. Under the FCRA my consumer reports should reflect accurate information at all time. This is a clear violation of that.

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 2022-03-08
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: ID Analytics, Inc.
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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX? I have never heard of them and they are reporting a credit score that is wrong. I just received a letter with them being a credit agency like XXXX the address shown for sagestream is XXXX XXXX XXXX XXXX XXXX ca. XXXX. 
telephone number XXXX XXXX XXXX. 

who is this?

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2019-08-06
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 fraud alerts or security freezes

Complaint:
When I apply for a credit card with XXXX XXXX, I am instantly rejected due to an invalid Security Alert. Experian reviewed my credit report and said that I had perfect credit scores and that the Security Alert was fraudulent. Experian said they had removed the fraudulent Alert after my first application for a Credit Card with XXXX XXXX, but when I again tried to apply for a credit card it was instantly rejected, presumably for the same reason. How do I get an accurate Credit Report supplied to XXXX XXXX and have my credit restored so that it reflects my correct " perfect '' score 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 2017-11-07
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:
Hi my name is XXXX XXXX XXXX, # the Following Crimes have happened to Me Financialy Losses # My 1st Report is = Transunion Credit report = this Transunion account shows a Criminal Acts, that were Theft & Fraud, Embezzlements, etc More. 
on the issues of = Loans, Advances, Lines of Credit, credit cards, etc made in my Name ID, CDL, SSN, Adress & Pictures and mayby more Not Telling  from Criminals were the Real Estate Targeted Places were Transacted for Crimes = IRS.gov property Tracers from Cyber or Phone # Transunion # XXXX XXXX XXXX, svcs web bank # XXXX,,, XXXX. XXXX XXXX, XXXX, tx XXXX XXXX credit limit = XXXX $ # balance = XXXX $ I know for a fact this computer was tampered with by the fraud & thefts accounts on my reports, plus it kept getting hacked into by cyberv criminals, I told the security, softwareof this and XXXX, I will report it to the cfpb, and all retaining docs, not saying I, m not paying but, what part do I pay at the end of your investigations help? date opened = XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I would like XXXX XXXX to help also in full with this issues please. 


2 # XXXX XXXX XXXX # XXXX,,, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX, XXXX,, creditor =XXXX XXXX XXXX {$640.00} $ Balance, =balance = due = XXXX $ very weird amount error?,, dates are wrong on opening, and closings = date updated on XXXX, XXXX # XXXX XXXX # XXXX,,, = XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ia, XXXX,, opened = XXXX/XXXX/XXXX ending date = XXXX/XXXX/XXXX,,, type unsecured credit XXXX XXXX, owing due = XXXX $ date closed = XXXX/XXXX/XXXX,,,, past due = XXXX $ XXXX. 


4 #, Attn this is all for my Transunion Reports # Financial Losses, Please Tell me who should I go to to Calculate Banking Loss $ Gas $ Time % $ Mental Anxiety, Wear Tear on Car Mileages Please,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: SELECT PORTFOLIO SERVICING, 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:
We have been trying to resolve an incorrect late payment issue with Select Portfolio Servicing for several months but have been unsuccessful. 

When our loan modification was transferred from XXXX to SPS, SPS sent us a Trial Modification Plan to make payments for the months of XXXX, XXXX, and XXXX XXXX. Our payments for these 3 months were sent as the requested cashier 's checks. We did not receive any notification from SPS that the payments were not received, even though the cashier 's checks were cashed by the company. 

When checking our credit report, SPS had submitted incorrect information to the credit bureaus that we had not submitted payment for the months of XXXX, XXXX, and XXXX XXXX as well as for XXXX XXXX, which was not a month listed on the Trial Modification Plan. In addition, our loan modification with SPS began in XXXX, not XXXX. 

We sent a letter to SPS on XXXX XXXX, XXXX notifying them of an inaccurate claim sent to CRAs about the 3 late payments in XXXX, XXXX, and XXXX of XXXX. The letter was sent along with copies of the checks that were sent and have been cashed by SPS for each month 's payment. 

We received a letter from Select Portfolio Servicing on XXXX XXXX, XXXX indicating that within 60 days SPS will update the inaccurate 3 late payments claim with the CRAs. We received our credit report from XXXX on XXXX XXXX, XXXX and it 's still showing the 3 late payments for the month of XXXX, XXXX, and XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: SIMM Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Caller from Simms Associate called two people with the same last name as mine stating I had warrants and that he would come to my physical address and shared with them my physical address Then he left voice mails.The voice on one message was the same as the voice of a Simms Associate who contacted me on a student loan that keeps changing lenders. The caller was very disturbing to the individuals whom used the information he gave them to come to my parent home! Calls from XXXX with the scare tactic and XXXX as a Simms Associate was the same guy they let me compare the voicemail to what I had on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Halsted Financial Services, LLC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am trying to pay off and outstanding collections balance of XXXX ; which is reflected on my credit report. I reached out to the company to settle the bill and they said this account is no longer under them. 

I would like the item removed from my credit report until the correct company handling the debt notifies me. Its sitting on my credit report and im unable to take action on it/pay it I would like this resolved as Im trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : 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 2022-03-08
Company: EQUIFAX, INC.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reported negative information to credit report. Debt may be result of ID Theft and is unauthorized, and not mine. My statement to credit reporting agencies is : Personal Statement ( s ) on my frozen credit file since 2017 : XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This company is reporting inaccurate personal information on my consumer report. Ive sent them a certified letter to remove and update the inaccurate personal information from my consumer report and theyve failed to comply with my request.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-01-09
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my account XXXX weeks after opening it. Letter stated some error that I didnt have a phone number on file with XXXX. This is incorrect. 

I called in XXXX to find out when the remaining deposit of XXXX and change would be refunded. They stated XXXX billing cycles, which would not be until some time in XXXX. 

They were quick to pay the balance of XXXX and change out of my original XXXX deposit and now they wont refund me in a timely manner? This to me is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To

this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns.

Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
FOR 3 MONTHS I HAVE BEEN GOING THROUGH THIS MY ACCOUNT GOT CLOSED MY CAR INSURANCE CANCELLED AND THE BOA AGENTS THINK I AM LYING AND MY CHILD SUPPORT GOT BEHIND ALL BECAUSE OF ATM MALFUNCTION THAT BOA DO NOT WANT TO ADMIT ... I HAVE WROTE WRITTEN THIS 10 TIMES NEXT IM GETTING THE US TREASURY TO INVESTIGATE CFPB I TOOK SCREENSHOTS THE MORNING OF XX/XX/21 DATE THE ATM MALFUNCTION..I HAVE CIRCLED A WITHDRAWL THAT NEVER TOOK PLACE, INSTEAD IT WAS A DEPOSIT THAT TOOK PLACE..IF YOU LOOK AT THE AMOUNT WHICH SAYS I WITHDRAW {$100.00} IF I WITHDREW {$100.00} WHY DID IT ADD {$100.00} ... .AND IT NEVER SHOWS THE TRUE DEPOSIT OF {$370.00} ... ..I DIDNT HAVE ENOUGH MONEY IN THE ACCOUNT TO COVER A {$100.00} WITHDRAWL, IF I WOULD HAVE WITHDREW XXXX IT WOULD HAVE BEEN NEGATIVE ... .YET THE ATM ADDED {$100.00} ON A WITHDRAW WHY IT ADD {$100.00} ... THIS DONT EVEN EXIST ON THEIR SYSTEM ANYMORE THEY HAVE NO KNOWLEDGE OF THIS BUT I SCREENSHOT IT ... EVERYTIME I CALL CSR DONT BELIEVE ME BUT THEY DONE SOMETHING FRAUDUENT ON MY ACCOUNT AND THEY ARE HIDING IT THIS IS NOWERE IN EXISTANCE EXECEPT WHAT I HAD SCREENSHOT JUST IN CASE IT CAME TO THIS .....

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 monetary relief
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This company is reporting inaccurate personal information on my consumer report. Ive sent them a certified letter to remove and update the inaccurate personal information from my consumer report and theyve failed to comply with my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw a derogatory mark on my credit report that did no belong to me. I called the creditor ALDOUS & Associates PLLC and I told them that was NOT my debt and they basically told me I owed XXXX $ that I did not pay this " XXXX XXXX '' company and now I have to pay them or else they will not remove me from their debt collection. I contacted XXXX and they found an account that someone opened under my name in XXXX and they stopped paying it in XXXX. The only thing they had was my name. The social security number did NOT match mine. The agent at XXXX said that since it had been so many years since the account had been dormant, there was nothing he could do about removing it. I do n't understand how something that is said to be my debt is n't even associated with my social security number, yet it appeared on my credit report. I have already disputed this with my credit bureau, and they have removed it but I want ALDOUS & Associates PLLC to remove me from their records because I do not owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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