BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2018-07-18
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:
According to the FCRA section 605B, the credit reporting agencies have the duty to block any and all accounts noted to be attached to reported identity theft. On XX/XX/XXXX, I submitted a dispute to initiate this process via mail. According to the previously cited congressional act this process of blocking these legally cited accounts should take no more than 4 days, yet the process is nearing 30 days.

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 2023-01-26
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX IC System Inc -- I cancelled an account with XXXX and returned their equipment. They continued to bill me even though I did not receive service. I had been on autopay my entire time using their service. So had never been late with a payment. When I called them to notify them they had billed me for service I did not receive and equipment I had returned, they assured me it would be taken care of and removed from my account. XXXX XXXX confirmed they were removing the charges. Not only did they not remove the amount they said I owed, they sent it to collections. It has killed my excellent credit when I'm trying to get a mortgage. I have written to them every year and written to the credit reporting agencies. I have excellent credit, have never been late with a bill or payment and this has destroyed me. Do not believe anything the XXXX representatives tell you on the phone. They will tell you whatever you want to hear so you dont cancel your service. 
But they will not fix it or back you up when they make an error. My nearly perfect credit score of XXXX did not include any negative items, and 0 late payments.

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 2023-02-18
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Person has stolen my identity and My girlfriends Identity. Her name is XXXX XXXX. My name is XXXX XXXX. Person keeps opening up Cash App cards in our name in order to steal from our personal accounts. The number they used to open up cash app is XXXX. I do not have cash app. I just received code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SANTANDER HOLDINGS USA, INC.
State: IN
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 contacted SANTANDER XXXX several times to get my credit reporting corrected. This was a loan for a vehicle that my ex wife kept possession of, and also took responsibility of the loan. Per marital settlement. She had stopped paying on the loan without my knowledge and all of my info was removed from the account address, phone numbers, and email address was all removed from the loan without my knowledge, and no way of knowing this. I have escalated all the way up SANTANDER XXXX and they said they would not do anything to assist. I was told they did not care about the documentation or anything. This has been going on since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Being on XX/XX/XXXX I started to receive calls for the company referenced in this complaint.. the first call I requested over the phone that they send me validation of the debt that they alleged that I owed. The person on the other end of the line refused to give me their name and began threatening to file criminal charges on me and take everything that I owned. I again asked for them to send me validation of the debt that they alleged I owned the person yells at me and said since I refused to pay they were going to send a warrant to my home county and they would be there to arrest me. I hung up following the threats and yelling.. the next day I received a call from this same company. I asked again for them to send me validation of this debt that they alleged I owed.. these calls went on for almost to weeks. When I received a notification that 2 debts had been placed on my credit report. Without validation without written notice of this debt! According to the Fair debt collection practice act I am to receive in writing the notice of this debt before it is placed on my credit file. Also according to the Fair debt collection practice act and Ohio consumer sale practice act they are not allowed to falsely represent themselves as a law office or falsely accuse me of a crime. This debt has not been validated and has become detrimental to my credit score and has prevented me from obtaining financing! I again want the account removed! Until the company can provide me with the information that I have asked for! I still know nothing about this alleged debt! The amount where it came from nothing.. just threats to go to jail. I want this actions to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: AL
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:
THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE XXXX OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have recently disputed the inaccuracies of the late payments on my report. The CRAs have stated that they verified this information. However, In accordance with the fair creditor reporting act these creditors XXXX XXXX XXXX XXXX XXXX have violated my rights under 15usc1681 sec602. I also have the right to privacy under 15usc 1681sec 604 ( a ) sec ( 2 ) which states a consumer reporting agency can not furnish an account without my written consent under15usc 1666 ( b ) a creditor can not treat a payment on a credit card account under an open and consumer credit 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 2023-01-26
Company: Experian Information Solutions Inc.
State: CA
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 contacted Experian to dispute an account on my credit report from XXXX due to reporting errors on the part of XXXX that extend the statute of limitations of this account reporting. XXXX is currently reporting that I was 30 days past due in XX/XX/XXXX, no data reported in XXXX XXXX, 60 days past due in XX/XX/XXXX, and 150 days past due in XXXX of XXXX. I stated that I wanted to dispute the item because the delinquencies they reported did not add up. How can you be 60 days late in XXXX and 150 days late in XXXX. I then asked that the account be deleted because XXXX was misrepresenting the data in an attempt to illegally extend the statute of limitations on reporting. On XX/XX/XXXX I received dispute results from Experian stating that the item was returned from XXXX as VERIFIED. I have disputed this account on numerous occasions since XX/XX/XXXX and it remains on my credit report consistently reporting incorrect data that Experian and XXXX refuse to remove. I would like XXXX to remove this trade line from my credit reports as they continue to report inaccurate data and continue to falsely and illegally manipulate the statute of limitations for credit reporting.

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 2023-01-05
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: MO
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:
I have a credit card that came through Experian. The pull shows up and dropped my score int the toilet but the actual payments are card itself do not show. Im working very hard building back my credit but if they are playing games like this with people then why even bother?! My score is going up with every other credit bureau but this XXXX. It keeps taking no matter how many bills i pay and it is just stuck at XXXX which is really XXXX me off. Who is going to check the company that can ruin others by giving false information?

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 2020-06-01
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I know that XXXX is medical billing credit card. However, I do not know what services were provided, when services were provided or to whom services were provided. 

Midland Funding has NOT to date sent me any and all monthly billing statements for my review. 

Midland has NOT to date sent me any and all information to review that proves that this debt is mine.

Midland has reported inconsistent and incomplete information on my XXXX   credit file regarding this account. 

Please tell me what services were provided to the individual on this account to bring the total to current amount. 

Please tell me when this account was opened, the payment history and what is the date of the first missed payment. 

Please provide the signed contract from the original creditor so that I may ascertain if the debt is mine. 

Please provide documentation that shows Midland is authorized to collect this debt. 

If this information can not be provided for my review, this account should not be reporting on my XXXX  credit file. Failure to provide me this information is a violation of my rights. 

Please either provide the information that I have requested or immediately have this account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, at approximately XXXXXXXX XXXX I applied online for an apartment.. I received and email at XXXX with information to access my application and a link to complete the application. I also received an email stating " almost done! '' at XXXX XXXX. At XXXX, I got an email saying, XXXX XXXX. At the same time I received an email stating XXXX will review my completed application soon. At XXXX the same day, I received an email stating " others on the application that will need to complete their application before the application can proceed. '' At that same time, I received another email stating, " oh, so close. '' " Remember, just because you have completed the application does not mean that you are finished with the leasing process. We still need to get your lease finalized. '' I did not do anything from that point on and chose to apply for a different apartment in XXXX. I applied got approved, and then, signed a lease with them. I have never XXXX did I complete the process -- as their email verifies. I am in collections because of, misleading practices. I am not unique to this deceptive practice. I saw the same complaint with the BBB after being contacted by a collection agency. They are taking advantage of college students who are looking for housing and weighing their options. We did not come to an agreement nor a meeting of the minds. I applied for an apartment but never completed the process, nor did a co-signer sign on my behalf, which was required. 

On XX/XX/2020, at XXXX, I received an email stating, " We hope you're excited as we are for Move-in Day! This was a surprise to me because I did not complete the process. I had already secured an apartment. I called to let them know I was not going to lease from them and did not complete the process. I was told I signed the lease when I applied for the unit and that I needed to find someone to lease the unit. I was not in agreement I have emails that support my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company sent me a letter saying that I am late on my payments I am on automatic payments they are suppose to take out XXXX on the XXXX of the month and the XXXX XXXX of the month they have been taking out XXXX and XXXX sense XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  to XX/XX/XXXX I feel this is an error on there part and I should not have to paid late fees and extra charges

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 2023-06-08
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX Balance : {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: ID Analytics, Inc.
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: Reporting company used your report improperly

Complaint:
I recently bought a car XX/XX/2020 at XXXX XXXX XXXX. I was approved by XXXX then a few weeks go by and I received a letter saying I have been denied due to a SageStream credit score of  XXXX?!?!? When the letter stated that my score XXXX with XXXX. Currently XX/XX/2020 looking at my XXXX  Score Im at XXXX with XXXX  and XXXX  score of XXXX. The Disparity is ridiculously huge it makes no sense why two scores are so close and the third is 240 points lower. XXXX does not offer online services they want hard copies of ID & Social mailed to them, that is sketchy this company is a scam and they should not be allowed to be in operation for falsely reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been reaching out to all 3 bureaus about this matter going on 6 months about fraudulent activity reporting on my personal report. I have noticed accounts from XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX that are reporting incorrectly, as well as several inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Bread Financial Holdings, 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:
To Whomever This May Concern : I am a victim of identity theft/fraud. I have disputed the information through the credit bureaus and I received a letter in the mail stating that they did n't think that it was me that initiated the disputes. One account, XXXX XXXX XXXX was removed and deemed that it was indeed fraud. I am expecting that to happen with these other accounts. I am attaching my DL, a copy of my identity theft report, and a current utility bill. My expectation is that these accounts are removed off of my credit report immediately. The accounts are as follows : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX. I truly appreciate this being rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XX/XX/XXXX payment history wrong XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XXXX XXXXXXXX XX/XX/XXXX payment history wrong for all 3 credit bureau

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 2022-10-05
Company: Experian Information Solutions Inc.
State: GA
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  Account # XXXX ( 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 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 2020-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ATTACHED INQUIRIES WERE REPORTED AS FRAUDULENT AND ALL 2 REPORTING BUREAUS REFUSE TO REMOVE THEM 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 non-monetary relief