BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: AK
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:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I receive a paper statement in the mail however, this statement failed to be delivered. When I realized that this statement never arrived I immediately contacted the creditor and made the scheduled payment. I was assured by the representative that I made the payment with that no late fee would be given. I did not realize there was a late fee until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and this item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX I disputed inaccuracies on a public record bankruptcy on my transunion report. On XX/XX/XXXX transunion responded that it had been updated. The information they gathered is not from the bankruptcy court as they have informed me by letter that they do not validate debts. Per FCRA 623 ( a ) ( 5 ) : " If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. Public records information is NEVER validated by the US Court sudden due to Fair Credit Restoring Agency PRIVACY LAW. They also closed student loans that are not closed staying they are included in a bankruptcy. There is no confirmed or open bankruptcy. This has made it impossible to obtain any 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 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE ACCOUNTS SHOULD NOT BE REPORTING ON MY CREDIT. I HAVE A LOT THAT I WANT TO ACCOMPLISH AND BECAUSE OF THE DAMAGE THAT THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED, I AM AT PAUSE WITH EVERYTHING. I AM ASKING THAT THIS MATTER PLEASE BE RESOLVED. PLEASE RE-INVESTIGATE AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AT YOUR EARLIEST CONVENIENCE.

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 2021-04-20
Company: Valor Intelligent Processing, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Valor Intelligent constantly is calling my phone number, that I am owing already for 7 years. They are trying to collect dept that is not mine. They are asking for XXXX, but there is no any XXXX under my number. My name is XXXX XXXX. I do not want to change my phone number because of lots of my business and clients tied up to my number. Changing it it would be mess for everyone. I told Valor Intelligent several times that there is no XXXX under this number, but they are still trying to calling me. I just want Valor Intelligent leaving me alone and stop calling me 1000 times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Months ago when the government announced the record low mortgage loan rates due to COVID-19, I contacted my home loan servicer, Amerihome, to refinance for the low interest rate. I spoke to XXXX XXXX on two separate occasions and she told me each time that because the companies they work with ( escrow and title companies, etc. ) were closed due to the virus, they can not refinance. She also stated their refinancing rates were really high about 6 % to discourage folks from financing or refinancing. She said as soon as the companies they do business with are open again, then they would contact me. I know that for many states businesses have resumed. I still have not heard from Amerihome to  refinance so I can get the lowest rate possible before the rate increases. XXXX told me that she was aware that other companies were financing and refinancing and if I had to leave Amerihome to refinance with another company, then I should do that. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Bread Financial 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:
The company has my billing information incorrect. They charged me late fees and finance charges and refuses to remove the delinquent marks from my credit. The company is aware I was overseas working during these instances and refuses to assist me. Ive sent letters repeatedly and they advised me the letters are frivolous. Im asking for assistance in this matter. Or I will have no choice but to contact the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2017 after pulling my credit reports I saw 3 accounts listed with XXXX XXXX XXXX. I immediately sent 3 debt validation letters ( one for each account ) to XXXX. For one of the accounts they already started the court process to sue me and in attempt to save myself and the company further time in court I settled with a consent judgement. The other 2 accounts they sent letters ( 2 times for each account now ) in response to my debt validation that did not validate my debt and in fact asked me for further documentation about the accounts. I do not feel as those accounts should be on my credit report or I should be contacted to pay debts since they failed to send me verification of these debts. I would request the debt collection process to be ceased on these accounts and these accounts deleted from my credit reports.

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 2023-12-06
Company: EQUIFAX, INC.
State: TX
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 Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX XXXX ) XXXX XXXX Account # XXXX ) has violated my rights! Also i want these inquiries removed from my report that were not authorized ( 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  ) and o feel my rights are being taken advantage of. 


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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/1985 SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX per 15 usc 1681E ( B ) ( 2 ) Responsibilities of procurers for resaleA person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure XXXX XXXX XXXX Account Number : XXXX i demand this account be deleted from my credit report this is false misleading inaccurate and i have contacted the company with no responses at all i have sent certified mail and have been trying to contact them weekly yet no response and they have to by law provide me with everything that i have asked of them for and they have not done any of the above things listed so by federal law you are violating my rights on my consumer report and there is no way this is still reporting when i have sent proof of me contacting this company they have not verifed anything and yet your reporting on my credit report and have not validated anything at all. i deman this enitre account be deleted from my credit rpeort it is reporting differently on all bureuas

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 2022-01-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Chexsystem has a issues with there system when u put in ur request your request for releasing your data to another bank or credit union the bank receives errors all the time. When I call and verify that my information was lift on this date and time XX/XX/XXXX. 
This concern had been happening for a long time I'm assuming that when information from the bank only see ( security freeze in place ) So I assuming if this happen every time I need something there is a problem with the system releasing proper and accurate information to the appropriate credit union that I filed for. 

This same exact issues happen 6 months ago checking out the system see if it work and it doesn't took chexsystem 15 days to release my security freeze from my account/ check system indicates they lost all my data on these dates at hand XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and this list goes on. The see concern and issues need to be looked. And investigate. Why chexsystem promise their customers ( there freeze will be lifted immediately ) when the information is completely false all these date and occasions I have experience inconvenience from chexsystem..

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 2022-01-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Reporting inaccuracies on my credit report I recently disputed with all three bureaus that took more then 30 days for any validation or verification documents to be sent to me I have recently these items are inaccurate and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter was seen at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. She was diagnosed with XXXX XXXX at that visit and I was able to apply for XXXX for her. At the time the bill from XXXX became due in XXXX, she was not in the system with the state of PA yet so XXXX placed her account on a XXXX hold. Before the 30 days were up, in XXXX of XXXX, I got confirmation that she was all set for XXXX and they would cover her XX/XX/XXXX visit. I called XXXX and provided the information to bill. Someone there did not bill the state and instead the bill when to collections. I did not know until I got a notice from Harris & Harris collections in XXXX. I called XXXX back and advised them that I got a collection notice and asked what happened to billing the state of PA. I was advised that the ball was dropped. They pulled the debt back from collections and billed the state of PA. However, Harris & Harris continued to contact me every day by phone. In XXXX I contacted XXXX and advised them that collections was still hounding me. They advised I had no debt and the calls should stop. They didn't. I called XXXX back in XXXX and they reached out to Harris & Harris to advise that there was no debt and cease contacting me. They were contacted by email and phone by managers at XXXX. They still continued to call me. I contacted XXXX  again in XXXX to advise them that Harris & Harris is still contacting me for a debt I did not owe. They advised that the issue has been escalated and they would handle with Harris & Harris. It is now XX/XX/XXXX and I got yet another phone call from Harris & Harris for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

Under 15 U.S.C 1681 Section 602 states I have the right to privacy.

Under 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.

Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2023-02-06
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$210.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX  ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This item Genesis FS Card Services Inc. ( Indigo Credit Card account number is inaccurately reporting and negatively impacting my credit scores and payment history it is currently reporting I missed 2 payments for the month of XXXX and XXXX. However payments were made and confirmation numbers were provided for payment date XX/XX/XXXX confirmation number XXXX and XX/XX/XXXX XXXX. I am requesting that Genesis FS Card Services Inc. ( Indigo-XXXX Bank XXXX have the item removed and change to correct the information to identify there are no late payments and have them removed as they are currently reporting on my credit reports. My credit report was updated XX/XX/XXXX stating my account was now current however it still reported 2 late payments. Today XX/XX/XXXX I have a {$0.00} balance and they are now reporting I am 30 days on a payment that is not owed which has negatively impacted my credit rating again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: HYUNDAI CAPITAL AMERICA
State: MA
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 am writing to dispute the delinquency of payments on my account. I woke up this morning, XX/XX/2023 to a XXXX hit to my credit score over a charge of {$120.00} that I am just now finding out has been assessed to me since XXXX. I spoke to a representative at XXXX that claimed they had sent me letters to indicate my balance that was due to two parking tickets that had been assessed directly to my car. I have never had a ticket assessed directly to my car in XXXX years of leasing, so this is new to me as well. 


XXXX also claimed they had called me twice since XXXX to let me know but could not leave a voicemail due to regulatory laws in my state. If they couldnt leave a voicemail and I have not actually been receiving collection notices, how am I to know that I owe money that would ultimately result in such a significant penalty? Also, the account shows my balance is only 18 days overdue, so if these charges have been assessed since XXXX, wouldnt it show a longer delinquency? 


Nevertheless I have since been paying my car balance down regularly with no actual communications to me that I had been delinquent. 


I have attached proof from my bank account and with XXXX XXXX that I have been paying down the balance of my lease monthly at the beginning of every month and have been in good standing this entire time. I also am hoping that my overall good standing with my credit/finances can be taken into consideration at this time. I have never been late with a credit card payment, student loan payment in XXXX years, I have leased 4 different cars with XXXX and have never missed a payment there either. 


I believe this has been a miscommunication over a seemingly small amount of money that I would have paid had I been properly notified of the charges. I have attached payment of the outstanding bill as well. I have worked my entire adult life to maintain a good credit score in hopes to buy a house, and I am hoping this small issue does not set me back and this hit to my credit score can be removed and my original credit score can be restored.

Thank you so much for hearing my dispute. 

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