BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: Specialized Loan Servicing Holdings LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
SPECIALIZED LOAN SERVICING has refused to report my mortgage tothe credit bureaus because they say since I had a bankruptcy (that did not include the mortgage being dismissed and we kept paying on the whole time and still pay) they will not report to the credit bureaus for the lifetime of the loan and I have to pay it off before they can report it. I told them it didn't make any sense. 1. My loan had been with XXXX XXXX for over 16 years and they never stopped reporting to the credit bureau. We even restructured our loan several times and everything was reported. 2. Bankrupties should not keep them from reporting to the bureau. Especially after discharge! My bank is the one who told me it wasn't being reported. I am never late and it is auto drafted. I spoke with a supervisor and she said all she could do was send a verification that I make my payments on time. I said that is not good enough for the bank and does not help my credit score, which btw would be higher if it was being reported. I told them I need a statement from them stating the issue so I could show my atty. They transferred me to the "bankruptcy" dept. Which is actually a 3rd party vendor named XXXX XXXX XXXX and they said I have zero file there, the supervisor was wrong to send me there, and the fact they were not reporting me was completely wrong and that is not how bankruptcies work. I have no idea what to do but don't think I should have to pay my atty to get involved. Please help!

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 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2020-12-09
Company: EQUIFAX, INC.
State: NC
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:
There are two hard inquiries on my credit report from the same company that I did not authorize. The company is XXXX. The date of the inquiries are listed as : XX/XX/2019 and XX/XX/2019. I have NEVER done business with this company, nor have I authorized any type of credit check. I've contacted both XXXX and Equifax directly, to no avail. Neither of these agencies can show proof that I have ever done business with XXXX, yet for the last year has listed the inquiries on my credit file. Equifax has the audacity to put the burden of proof on me by requesting that I investigate my own claim, in an effort to prove " fraud '' ( get a police report, have XXXX submit a " removal request '', etc. ). This is ridiculous! Shouldn't Equifax be the ones conducting the investigation and having XXXX provide the burden of proof? This is a blatant violation of my rights under the Fair Credit Reporting Act. Hard inquiries have an adverse affect on your credit and score ... this erroneous reporting has had a severe negative impact on me and I'd like the items removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 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 2023-12-04
Company: Experian Information Solutions Inc.
State: NY
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 never had late payments : 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 XXXXXXXX This Information is Incorrect. Please remove it from my credit report. 

XXXX XXXX XXXX  This inquiry was not authorized. please remove it from my credit report XXXX This inquiry was not authorized. please remove it 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 2022-10-27
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account XXXX XXXX has violated my rights . 15 U.S.C 1681 SECTION 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Spring Oaks Capital, LLC
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

XXXX XXXX Balance Owed : {$760.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: Early Warning Services, LLC
State: GA
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: Investigation took more than 30 days

Complaint:
I submitted an additional inquiry into an incorrect reporting and shallow investigation tactic carried out by Early Warning System about a XXXX XXXXXXXX XXXX listed on my Early Warnings Report. Early Warnings confirmed that were in receipt of my dispute on XX/XX/2018. More than 30 days has passed and there had been no response on the results of their investigation in that I requested a full removal of the incorrect recording of a XXXX XXXXXXXX XXXX account on their report. I am now demanding a receipt of this record being removed/deleted from the report they have compiled under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NV
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:
Account number XXXX Open/closed Open Account number XXXX Open/closed Open NO KNOWLEDGE OF SUCH ACCOUNT WHILE I WAS SICK WITH XXXX  IN XXXX  FOR A THIRD OF THE YEAR, NO CONTRACT, NEVER WENT INTO A BANK TO OBTAIN ANY LOAN

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 2020-10-28
Company: Santander Consumer USA Holdings 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:
Good Day, I am XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
WALLETHUB XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX [ NOT MINE XXXX XXXX INTERACTIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX [ NOT MINE ] GLOBAL PAYMENTS CHECK SVC P O BOX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX MC LEAN, VA XXXX ( XXXX ) XXXX On : XX/XX/XXXX [ NOT MINE ] XXXX MERCHANTS CONCOURSE XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX [ NOT MINE XXXX ACCOUNT XXXX OF XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Placed for XXXX : Individual AccountAccount Type : Open Account Balance : $ XXXX XXXX Amount : {$1300.00} Original Creditor : TOWN COUNTRY MANOR Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR XXXX Estimated month and year that this item will be remo [ NOT MINE ] XXXX XXXX XXXX # XXXX C/O XXXX XXXX XXXX PO BOX XXXX XXXX, SC XXXX ( XXXX ) XXXX Placed for XXXX : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXX XXXX Amount : {$100.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : XXXX FOR XXXX Estimated month and year that this item will be removed : XX/XX/XXXX [ NOT MINE ] WEBBANK/FRESHSTART # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date XXXX : Individual AccountAccount Type : Installment Account Loan Type : INSTALLMENT SALES CONTRACT Balance : $ XXXX XXXX Received : $ XXXX Payment XXXX Balance : {$85.00} Pay Status : >Charged Off<Terms : {$0.00} per month, paid Monthly for 6 monthsDate XXXX >Maximum Delinquency of 90 days in XXXX Remarks : PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF Estimated month and year that this item will be removed : XX/XX/XXXX [ 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 2019-08-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The loan was purchased from MB Financial by Fifth Third Bank in mid-2019.  I have made no less than 6 contacts with Fifth Third Bank via mail, the web portal and customer service to have the loan automatically debited from my account after it was purchased by Fifth Third Bank.  Each time, they do not complete the transaction and are now saying that I am past due on the loan.  Each time, they asked for my routing and checking account number and I have provided it.  They have yet to resolve the payment issue for past payments. They claim that future payments will be debited from my account but the jury is out.  I am now concerned that the bank does not have the financial controls in place to protect my personally identifiable information, especially if they cannot process a payment correctly, multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second complaint filed against this company. After your initial complaint was responded to by them stating they would in compliance inform the CRA involved, ( XXXX, XXXX ) to delete this false entry, as of this date it still remains. You can review my previous complaint for info. Furthermore a dispute letter was sent to this company previously asking for proof of debt with my original contract, signature, and monthly balances claimed which they have never produced. Please assist me on taking further action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, 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 status incorrect

Complaint:
I checked my credit and found that XXXX XXXX XXXX  DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2021-12-25
Company: EQUIFAX, INC.
State: AZ
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 several accounts that I was never late on and a few accounts that do not belong to me. also 3 inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My credit score has always been XXXX - XXXX. Trans Union recently dropped it to XXXX saying I have a delinquent account with XXXX XXXX. I filed a dispute with Trans Union through XXXX XXXX notifying them that this was an extension of the lease for another 6 months not a delinquent account. They responded that I was correct, however they never corrected my score, and when I called to follow up they implied that I do not have a paid credit motoring service and that XXXX XXXX is free and they can not help me. If I paid for a subscription they would help me. 

I believe this is extortion, and I should not have to pay for their mistakes. 

I would like to understand why I do not have a perfect score of XXXX? Since I have never paid anything late and I hardly have any debt. My credit is XXXX, and I believe it's low only because I am not paying for a premium subscription. 

I would appreciate this getting handled and resolved immediately. 

Thank 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 explanation
Consumer complaint received 2023-08-22
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi Double Dash card, engages in unethical practice of issuing a high credit limit and promotions to get you to use the card, but as the credit is used they continuously decrease limit to it's just above usage amount creating a loop of decreasing your credit score and lowering your limit. Customer service acknowledged the issue, to no resolve, as they sight risk assessment, to which they cause.

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 2020-10-27
Company: CITIBANK, N.A.
State: MA
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:
Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, XXXX, andXXXX  ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. I know that the FCRA states that the only purposes for pulling it in
someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores.

Thank you for your prompt attention to this matter.

Sincerely, 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