BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX, 2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Conn's, 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:
Disputed this item several times with the 3 credit bureas and this company. 
CONN APPLIANCES , INC . 
XXXX XXXX XXXX, TX XXXX The bureas and this company repeatedly says verified but after several attempts I have not recieved verification. There both are violating my consumer rights!

They need to please evidence there authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) .Our I will proceed with litigations if not verified properly per my lettered document attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been fighting this with XXXX XXXX XXXX XXXX for a few years. I sent a letter from legal aid asking the company to clear the fraudulent account. They told me to go talk to the owners of the store to see if thdy would resolve it. Unforntaley The XXXX XXXX, ( XXXX XXXX SHUT DOWN!! ) The account changed dates. Stated its been since. XXXX. Liars review the acckount ive been fighting with XXXX XXXX XXXX  OVER YRS. They are scam arist. I need 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 non-monetary relief
Consumer complaint received 2019-06-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage due to losing by business, Carrington never reached out to me to offer any assistance. I was never assigned a point of contact and was never told I could submit documents to be reviewed for assistance until I researched it myself. I feel as though I was never provided a fair chance or options to save my home and now I feel pressured to try everything I can in the short amount of time I have before the sale date to get something done. If someone from Carrington had informed me of my options I would not be in the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 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 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, TransUnion, and XXXX continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!

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 2023-06-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Filed complaint on XX/XX/XXXX and mortgage company mr cooper claimed to have forwarded a response to me on XX/XX/XXXX and as of today XX/XX/XXXX I have yet to receive any response to request of documents NOTICE OF FILING XXXXDENTITY THEFT REPORT FEDERAL TRADE COMMISSION REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
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 information incorrect

Complaint:
My student loans report as charged off with remarks stating that they were paid off. the status should reflect that they are paid off.

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 2018-08-24
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2018, i deposited {$500.00} into my paypal account, which they immediately put a hold on and would not allow me to transfer to my card or bank account which is suppose to be instant. On XX/XX/2018, they released my account, allowed me to transfer {$30.00} to my card, and immediately put a hold on the other {$470.00} for no reason. When contacting the company they had said there was no risk to my account, but they couldnt do anything about the security check. After, when contacting them, they pretend they can not hear me, and hang up. Or, when calling me back, will only let the phone ring once, then hang up so i cant answer, and just end up with a missed call. They never disclosed that i would have my money held, until after i had already transferred it. From my understanding, they have been doing this to every body, and refuse to give anyone answers. I believe they are holding it to invest it for the amount of time they are holding it, before they release it, without consent of the customers. I had a car payment, and rent due, that is now late, because they are holding my money. I can lose my car and will effect my credit score, not to mention possibly get me evicted from my place because i have not been able to pay the weekly rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: AL
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:
My account was on Autopay with XXXX XXXX XXXX XXXX for a phone which I bought. I bought a new phone with XXXX and I was informed that the Autopay on my account was kicked out due to a new purchase on my account authorized by XXXX. I was never intimated on this decision, either offline or online. The credit bureaus informed me on Saturday ( XX/XX/2020 ) that this account is 'past due, ' which is due to no fault of mine. I have never missed a payment with any of my lenders including XXXX XXXX so far ( check my credit history for details ). As soon as I learned about the situation, I paid the amount due immediately ( including the late fees, which are again no fault of mine ). I was instructed by the customer service that I will receive a call from the supervisor within 24 to 48 hours, which was not fruitful. When I observed the autopayment screen on my account, it constantly showed 'Enabled. '

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 2021-09-21
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company in question is the SWC Group in XXXX, TX. I found out of their existence via my credit score dropping 40 points due to an unknown debt held by SWC that allegedly originated via XXXX telecommunications. This is false. I've never had an outstanding debt with XXXX. I closed the account out years ago and opened a new account with my wife. No mention of money owed when account was opened. Fast forward a few years and this delinquency pops up. No letters or phone calls. When I call SWC they hang up on me as they do not have a record of my existence. Very rude. After finding the ceo XXXX XXXX I decided to personally email him. He didn't not take to kind to that. This firm is a fraud. {$96.00} is a very small amount but I can imagine their practices with some of their less fortunate clients. They need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name and address are mixed with someone else 's. The other person 's student loan and 2 credit card accounts also show up on my Equifax credit report. 

XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$42000.00} Account Number : XXX ... XXXX Payment Amount : Not Available Association to Account : Individual Balance : {$28000.00} Type of Account : Installment Past Due : {$0.00} Date Opened :XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Too new to rate or opened but not used Date Reported : XX/XX/XXXX Months Reviewed : 55 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Student loan Monthly payments XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$400.00} Account Number : XXX ... XXXX Payment Amount : Not Available Association to Account : Individual Balance : {$0.00} Type of Account : Revolving Past Due : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid as agreed and up to date Date Reported : XX/XX/XXXX Months Reviewed : 40 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Monthly payments Amount in h/c column is credit limit XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$1000.00} Account Number : XXX ... XXXX Payment Amount : {$10.00} Association to Account : Individual Balance : {$670.00} Type of Account : Revolving Past Due : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid as agreed and up to date Date Reported :XX/XX/XXXX Months Reviewed : 46 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Monthly payments Amount in h/c column is credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts do not belong to me. Please remove

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 2018-12-10
Company: EQUIFAX, INC.
State: FL
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:
Recently, I checked my credit files and these unauthorized inquiries showed up on my Credit. I did not apply for employment with your organization nor did I request credit from any of these organizations. 

1XXXX XXXX  2.XXXX XXXX 3.XXXX XXXX XXXX XXXX   4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX XXXX 9.XXXX 10XXXX XXXX  11.XXXX XXXX XXXX   12.XXXX XXXX 13.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified of a derogatory mark on my credit in the amount of XXXX dollars. This Mark was from the company Enhances Recovery Company on behalf of XXXX XXXX XXXX issued on XXXX XXXX XXXX. The issue is I havent had an XXXX XXXX XXXX account since XXXX. I attempted to dispute this mark, but was told that the mark was accurate, which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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:
I am very XXXX out because I just found in my credit report strange accounts and inquiries. The point is that these items are not related to my transactions or any other activities. I do not know them an I see them first time in my life. Could you please figure put what is that and why I have unknow items in my report. When you do so, please delete them.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I tried to resolve this matter on my own several times. I have not received a response from them in over 120 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. I sent them letter requesting to reinvestigate several times no response as of yet

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 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted Transunion via telephone, and disclosed to representative that I was a victim of their inquiry issue.They were unable to resolve my issues.The following are inquiries appearing on my credit report, that I did not authorize. 

XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items 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 2023-01-13
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I applied for a car loan and had XXXX companies run a credit check on my report. This was not a problem as I approved it. However, after securing a loan the same day, I have not given my approval for any further credit inquiries. On XX/XX/XXXX2023 I received an alert on my XXXX Banking app that I had XXXX new inquiries on my credit, XXXX from XXXX Financial, which was XXXX of the financial institutes that had previously already ran my credit on XXXX XXXX. So this was the second time they ran my credit and I did not approve it. I have not tried to apply for a loan since XXXX XXXX. The second inquiry from XX/XX/XXXX was from " US BANK DS WEST '' and it happened around the same time as the XXXX  Financial inquiry. I made a phone call on XX/XX/XXXX to XXXX XXXX and they had absolutely no record of making this inquiry. They could not help me in anyway. Then I called XXXX Credit Bureau to dispute these inquiries and they had to make an account for me because apparently they could not find me in the system. I had them freeze my credit so that nobody else can check my credit without me lifting the hold. Then I called XXXX, and they said I could not file for a dispute on these inquiries until I received a inquiry deletion letter from the creditors who ran my credit without authorization. So I called US Bank, assuming that was the institution that the abbreviations stood for. They also did not have anyone who could answer any of my questions and did not seem to know anything about the inquiry, like they didnt have records of it either. They instructed me to write an email to XXXX to request they dig into it and find out about my inquiry. I sent them an email on XX/XX/XXXX at XXXX pm XXXX time and have yet to hear back from them. Today, XX/XX/XXXX, I have just received another alert from my XXXX app stating I had yet again another hard inquiry on my credit by XXXX XXXX XXXX XXXX. I did not approve this inquiry either. I don't know what to do from here. My credit keeps taking hard hits and I can't do anything to stop it and no one seems to know anything about it.

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 2020-09-15
Company: Experian Information Solutions Inc.
State: NJ
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/2020 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 I'm being taken advantage of and being ignored of my disputes. 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 on 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 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 explanation
Consumer complaint received 2021-04-29
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:
XXXX, EQUIFAX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THIS ACCOUNT ON MY CREDIT REPORT! 

NO CONSENT IS IDENTITY THEFT! 

I NEVER DID ANY BUSINESS WITH THIS COMPANY / COLLECTION AGENCY WHICH THEY HAVE NO RIGHT REPORTING HARMFUL INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation