BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
I was delinquent when I was contacted by Discover in XX/XX/XXXX. I set up a payment plan with the understanding that this would bring my account current. I've made my payments as required since that date. I logged into my free FICO score in XX/XX/XXXX and was surprised to see I've been reported to the credit bureaus as delinquent every month since I entered the plan. I called Discover and asked them to explain and they said well you were still delinquent. I asked them if this was explicitly disclosed to me when I entered the plan they said no. They explained how the payments would work again but said they don't explicitly say we're going to keep reporting you to the credit agencies. I feel this is a deceptive and abusive collection practice. If I had known I would be reported to the credit agencies I would have found a way to bring myself current instead of enrolling in a program I thought was doing the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: SC
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:
accounts 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 2020-10-21
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
He

llo, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you
calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
CFPB : please look into this matter. If this matter is not resolved asap I have no other choice but to speak with counsel. 

Problem : I applied for a mortgage and was IMMEDIATELY DENIED due to the inaccurate reporting of this agency. This is NOT a reporting from a creditor this is reporting from the Experian which I have provided proof of THEIR reportings along with the reporting of the other reporting agencies which have removed the account from my credit report due to inaccurate information. 

Experian is reporting a FORECLOSURE on XXXX XXXX account, which is NOT a mortgage. I have NEVER had a FORECLOSURE EVER. This reporting is ABSOLUTELY FALSE! 

They are also reporting " XXXX XXXX '' as the payment status which is also inaccurate. Please look at the last 2 years of this account. There are no late payments. A reposession only occurs when an account is beyond 60 days past due. 

I called XXXX and XXXX which are NOT reporting this account due to inaccurate information and they told me they removed it and block the reporting. Also, can Experian please explain how can 1 credit reporting agency report something inconsistent when the information is coming from the same source? Why can't Experian follow suit? I suspect they DID NOT investigate. 

If this account is not DELETED immediately from my consumer report, I have no choice but to seek counsel due to violating FCRA, refusing to adequately investigate consumer disputes and causing me and my family to be denied for a home mortgage. 

I am also aware of XXXX v/s Experian, the {$45.00} million and largest settlement for violating the FCRA.

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 2023-07-31
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed. I demand that the accounts credit limit be increased for use due to the company decreasing limit. The decreasing of the accounts was not authorized by me which is an indication of violation of securities, breach of contract, and identity theft. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Finally received a letter in the mail saying that they comply with all regulatory agencies governing their business but nothing about anything that I instructed them to do or that the credit limit or credits have been applied to the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Collins & Hilton Asset Group, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was never notified either written or by phone of this debt and the amount for a phone bill doesnt add up. I was never given a summary of charges or even know what I am being charged for!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have recently pulled my report after being notified of a data breach with Equifax and XXXX. My information was compromised and I noticed false information being reported about me. I have sent multiple letters and made several calls to each bureau. As of today these inaccurate and misleading items still continue to be reported falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Regional Management Corporation
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:
On XX/XX/2023 I was notified by regional finance that a loan was taken out in my name. The origination date is stated as XX/XX/2023. The amount financed is stated as XXXX. Im unaware of this account and transaction. The loan was made out to me and the person responsible without proper identification verification. Regional finance proceeded to mail a check to my address and the person in question had already destroyed my mailbox door to compromise my personal information and later retrieve the mailed check. The suspect later cashed the check using their signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 spoke with one of Transunion 's representative and they would not help and take care of negative inquires reporting to my credit report, that I had no knowledge of the list of inquiries I requested to be deleted were : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Called SallieMae several times about the cost of loans being repaid while still in school .All they offered was a 12 month  payment of {$25.00} per loan.They didnt say any other options were available and didnt explain how much more money on the loans/interest would have to be paid after agreeing to this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX Trans Union are all reporting a balance of XXXX of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX company was suppsoed to pay this amount but have n't payed this is incorrect 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 explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, INC.
State: TX
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:
I am having problem with Equifax, they are not providing my credit report from last 6 months, i sent multiple times my id information over fax and mail to their address, Equifax has updated all my financial information on my wife credit file and deleted my credit file.. 

I am spending some part of my daily call with Equifax to get my credit report, they are not answering and responding properly also, they are saying i do not have any credit file with them.. 

I am in process on purchasing new home, where soon i will need to go for mortgage and because of Equifax not providing my credit report to lending company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hello, I am contacting you today because I am trying to get all unauthorized credit inquiries removed from my credit file. The day that I applied for my vehicle I was not knowledgeable about credit or inquiries so I was not aware that my credit would be shopped around to different entities. Now that I am little more knowledgeable about credit and inquiries, I understand that they are hurting my credit and if possible, I'd like to have them removed please. 

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 explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TRANSUNION STILL SHOWING ALL MY OLD CLOSED CREDIT CARDS AS DEROGATORY THAT WERE XXXX XXXX ( 2 ) YEARS AGO XXXX XXXX XXXX XXXX THEY ARE NOT DEROGATORY. THEY ARE CLOSED

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX, submitting yet another CFPB complaint today to inform the Credit Bureaus to reinvestigate and correct or update the following disputed accounts from my Credit Report. I am submitting this Complaint in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I need the following accounts removed from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-02-11
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency is attempting to collect a debt that is not mine. These alleged charges erroneously appeared on my credit report. I currently have services w/ XXXX, previously known as XXXX  at my current address of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX FL XXXX. I tried to call Way Point Resources Collection agency on XX/XX/2019 to inform them they are reporting incorrect information to the credit bureau. The agent did not submit a dispute, instead told me they have an account being reported to them at a different address but would not disclose the address and the account started with XXXX XXXX which turned into XXXX XXXX. I tried to dispute this invalid debt being reported to the credit bureaus but I was told by the collections agent they would continue to collect a debt that does not belong to me. 
I am requesting validation of this debt with my signature on the original contract from XXXX XXXX according to my rights under theFair Debt Collection Practices Act ( FDCPA ).

I do hereby request that your office provide me with complete  documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If  your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Numerous times I've had to call Barclaycard because their automated pay system had issues and did not properly bill us. In one instance it billed on the XXXX when the payment was due on the XXXX, Barclay marked this as 30 days late, even though they took the payment, as they apply all payments after the due date to the next payment cycle. This causes issue with customers and the support staff as the custom is typically unaware of this until it shows up on their credit report. There are no notifications otherwise. Their support staff is not very knowledgable on some of their practices so when I called in XX/XX/XXXX and stated  that I started a new job, while asking if it was ok to pay on the XXXX, they told me that it was ok. It was not OK though as they reported me 30 days late again. This business practice is not right. If someone is 5 minutes late then they should not be punished for years on their credit report ( Yes, they told me that a minute past 7 on the XXXX would result in a 30 day hit to my credit ). I have disputed the reports numerous times and only twice have they fixed it. Yes, twice because I've had to deal with them on multiple occasions. They've also falsely reported on my credit other times without fixing it. This was in XX/XX/XXXX and XX/XX/XXXX. Note : They fixed the one in JXX/XX/XXXX, but did not fix the billing so the XX/XX/XXXX statement will show it  kept carrying over to other months. 

I would suggest no one ever do business with this company because they will make your life an endless nightmare if anything happens that sets you back. You can take responsibility and try to make things right, but they will not.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: MO
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:
I am a victim of identity theft please remove this fraud inquiry 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