BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account.

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 2020-05-03
Company: CW Financial
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived in XXXX XXXX XXXX XXXX XXXX XXXX, wa XXXX from XX/XX/XXXX to XX/XX/XXXX. at the time that I had to move out I owe the landlord absolutely nothing I asked him to help me move my furniture into my storage to the fact that I was a single mom and couldn't lift them myself and he was the only one that I knew with the truck he refused assistance then when I moved out he dumped the furniture and charged me {$2400.00} for dumping fees and 10 hours of cleaning fees as a XXXX XXXX XXXX of a XXXX XXXX XXXX I know for a fact that I left that apartment which was under 500 square feet one bedroom intact with normal wear and tear and very clean stove fridge and oven he has outrageously charged me as well as other tenants that he has forced to move out I was asked to leave and didn't want to risk having an eviction on my record so I went ahead and left then he charged me {$2400.00} in XXXX which wasn't even put on my credit until XXXX and now I'm being charged {$3200.00} which is just like an eviction in the eyes of other apartments owners so it is XXXX me in the end being a single mom with a child and XXXX  XXXX XXXX XXXX  I am I unable to acquire stable housing and can not be approved for an apartment I've been homeless since the day I was asked to leave and he refused to renew my lease after four and a half years of residency stability and safety for my child from ages XXXX XXXX  old to XXXX and a XXXX  years old she knew nothing else as home.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

'Equifax XXXX is governed by 15 USC 1681. 'Equifax XXXX has violated my rights numerous times. 

I, therefore, demand removal of the accounts listed below per 15 USC 1681. I have the right to privacy, and I did not give 'Equifax XXXX written permission to furnish these accounts. 

Accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Resurgent Capital Services L.P.
State: CA
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.resurgent company is trying to collect a debt from XXXX or XXXX that I reported at the time as fraudulent charges - the original creditor corrected the issue back in XXXX - this debt is not mine nor is it collectible from me - as a matter of fact I dont even think its legal to try and collect a debt from XXXX from any party-

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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: Account status incorrect

Complaint:
XXXX ; Experian and XXXX are incorrectly reporting that I am ( XXXX plus ) days late on the DP ED/XXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these 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 2023-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
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:
XXXX ; XXXX and Transunion are incorrectly reporting that I am ( 120 plus ) days late on the DP EDXXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these 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 2023-09-21
Company: Consumer Adjustment Company Incorporated
State: PA
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:
I requested a thorough investigation on this account. The company sent a generic statement that does not provide any proof that I owe this debt. The statement has an address that is foreign to me and dates back to 2017. I am requesting that this company Consumer adjustment company provide the original contract with my signature for this debt as they have refused to stop reporting the debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Originally saw this account under the name XXXX  reached out to inform the company that the account wasnt mines and was made from someone using my identity, but it stayed on my report. Now the account has been charged off and is on my credit even though i never made any purchases

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: SUNTRUST BANKS, INC.
State: CA
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:
Credit pull/inquiry not authorized. Pulled prior without authorization.

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 2020-02-23
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:
I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor Name = XXXX XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX - {$430.00} XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - {$220.00}

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 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with XXXX, XXXX and Transunion, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.

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 2021-04-09
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report. I want to see new credit report that this is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: SYNCHRONY FINANCIAL
State: ME
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:
MY AMAZON STORE CARD ACCOUNT IS IMPOSSIBLE TO ACCESS BY MESSAGE TO ASK QUESTIONS OR MAKE PAYMENT, EVER SINCE I STOP USING MY STORE CARD ( ASKED FOR IT TO BE SHUT DOWN.

WHEN I TRY TO SIGN ON, RESET A PASSWORD, GET A CODE BY TEXT I CAN NOT GET THROUGH. EVEN MY NAME IS IN QUESTION. IT SEEMS I HAVE A NEW ACCOUNT NUMBER. NEVER SEEN IT BEFORE. AND A CASH ADVANCE (? ). NEVER WANTED THAT. AMAZON AND SYNCHRONY AND XXXX XXXX ARE SOMEHOW CONNECTED. THEY ARE TELLING ME I MISSED PAYMENTS AFTER YEARS OF EXEMPLARY ON TIME PAYMENTS. NEVER MISSING 1 PAYMENT IN 7 YEARS AT LEAST. I AM UNABLE TO GET ONLINE WITH THEM. WHEN I TRY TO GET A CODE TO CHANGE MY PASSWORD, I AM TEXTED THAT AN UNUSUAL ATTEMPT HAS BEEN MADE. I DON'T KNOW HOW THIS ALL HAPPENED. THEY CHARGED ME {$39.00} AS A LATE CHARGE. I NEED TO KNOW HOW TO STRAIGHTEN THIS OUT. GET RID OF THE LATE CHARGE AND ACCESS MY PAYMENT PAGE ON AMAZON STORE CARD. THEY TELL ME MY NEW ACCOUNT NUMBER ENDS IN 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 2023-05-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate addresses on my credit report, Inaccurate phone numbers on my report also inaccurate employment on my credit report. Need these things updated immediately.

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 2020-07-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am totally frustrated to no end trying to find out what kind of information Equifax provided to the XXXX XXXX XXXX XXXX in a credit report XXXX XX/XX/2020 ) that has a direct impact to increase a higher than expected interest rate for my new auto loan. 

I called Equifax today I spoke to XXXX who received sufficient information to verify who I was but I had to use the restroom so he gave me a phone number to call him back. 

After I called back Equifax used automatic voice type of questioning to no end not an agent questioning many many more multiple questions about my past credit enough to be able to answer correctly but continue non stopped until it seem to set you up to eventually not be able to remember as far back anymore. 

I was hen told to send them by mail a copy of my social security card and license. Bottom line people have enough stress to be given a run around to correct bad reporting. There should be no record of bankruptcy no collections no derogatory record on my credit report and I have excellent credit with XXXX all my creditors and all my utilities when I applied for a new auto loan in XXXX XXXX when it could have been as low as XXXX. If any bad reporting went to the XXXX the report it must be updated so that I can appeal with the XXXX interest loan for my new vehicle to lower the interest rate to what it could have been saving thousands of dollars. XXXX said if Equifax is willing to update they will give an opportunity to correct the interest through after an updated new Equifax report doing a new application but the car must have less than XXXX mileage right now it has approximately XXXX miles,.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XX/XX/XXXX. 2020 - I received a text stating {$1100.00}, had been applied to my debit card for child support. Since it has been two decades since I have received any child support payments, I called the local child support office. They verified yes - I had received my ex-husband stimulus check to be applied to his arrearage. I informed the customer service rep I did not have a debit card. She provided me with the EPPI card customer service telephone number ( XXXX. ) XX/XX/2020 Placed a call to customer service @ XXXX XXXX., after being on hold for XXXX hour XXXX mins. I was informed a card was mailed to me yesterday XXXX XX/XX/XXXX ) and I should receive the card with 5 - 10 business days. 
XX/XX/2020 - Placed a call to customer service @ XXXX XXXX, after being on hold for 51 minutes. Again, I went through the verification process. The rep informed me to wait until Wednesday, XX/XX/XXXX, this will conclude the 10 business days. Also, stated sometimes it take longer to receive the card. I asked about the expedited overnight service I was informed about on XX/XX/XXXX. He stated there will be a day or so delay before they could process another card. The service is not overnight - it is a two ( 2 ) day service. Also, there is a {$14.00} fee associated with the service. 
XXXX XXXX - As of today I have not received my card. 
XX/XX/2020 Talk to a representative from the State of Georgia child support rep. Stated there is nothing they can do. EPPI card is a third-party processor who operates separate of the State. The rep suggested I go online for my case and sign up for direct deposit into my checking account in case I receive additional funds. 
This is scandalous. " XXXX XXXX '' in need of funds and this company giving parents the run around. Glad my children are adults now - but what about the ones who really need the monetary relief. 
Concerned & confused - how can this be tolerated. Georgia 's XXXX  is loaded with unanswered complaints : https : XXXX. Another tidbit -- EPPI Card, they charge a fee for customer service calls. XXXX per each call to the Georgia Customer Desk. Deployable!!!!!!!! 
I want what I am entitled. In this pandemic and uncertainty every drop fills the bucket. EPPI Card Services need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with 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:
I obtained my credit report from Experian on XX/XX/XXXX. Upon reviewing my report, I noticed that there were two hard credit inquiries that I did not make or authorize on XX/XX/XXXX and XX/XX/XXXX. According to Experian 's online credit report, those two inquiries are considered " potentially negative. '' To the best of my knowledge, I did not apply for credit from and I do not have any accounts with the 2 companies that had made the two hard credit inquiries. I immediately attempted to dispute the hard inquiries via their website only to receive an error message to contact Experian via telephone. I first called XXXX and was not unable to reach a live customer service representative nor was there an option to speak with a representative. The only 2 options provided were about how to inquire about a security freeze or a fraud alert. No other option was given. I then called XXXX. After several attempts, I was able to reach a live customer service representative. I advised the customer service representative that I needed to dispute to credit inquiries on my report. The CSR asked me if there was fraud or identity theft involved. I responded " no. '' I repeated to the CSR that I did not recognize the 2 inquiries, did not request credit from the 2 companies, and did not have accounts with the lenders which accessed my credit file on XX/XX/XXXX and XX/XX/XXXX. The CSR then responded that it was considered identity theft or fraud and proceeded to connect me to another person without asking me if I had any questions or concerns. I did not want to give wrong or misleading information, and reporting the inquiries as fraud or identity theft would have been inaccurate as I had no proof of either. Needless to say, after being on hold for over XXXX minutes, the call was lost. I attempted to call again, but continued to be disconnected since none of the options pertained to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: SANTANDER HOLDINGS USA, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. XXXX and XXXX are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX  XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau XXXX is reporting an erroneous debt on my credit file that is not mine. The days that this debtor is claiming this happened, I was in surgery and there was no way I could have anything to do with that account. I have filed a police report with XXXX Police, XXXX # XXXX in regards to this erroneous debt. This is a fraudulent account, and I demand you remove this account off of my credit file, or the next steps will be getting my attorney involved!

Company response to consumer: Closed with explanation