BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a violation of my rights to furnish this on my credit file. It's a closed account with a balance..unheard of...

Company response to consumer: In progress
Consumer complaint received 2018-12-14
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I, XXXX XXXX was diagnosed and transported for admitted urgent treatment from XXXX  XXXX XXXX XXXX Massachusetts to XXXX XXXX XXXX located up the road by  XXXX XXXX. I was never notified prior of a denial or gave authorization to be personally billed XXXX XXXX . XXXX XXXX directed the bill to XXXX XXXX  XXXX  without notifying me of my XXXX  upon request, or a verification of denial form. From there it was sent to First Financial collections, a credit bureau. I have filed disputes, called for expedited appeals and mailed to the grievance department at XXXX and spoken with all 4 companies to try to get this discrepancy resolved and removed from my credit report. Me being an inpatient at the time should not be responsible for this bill. 
Claim # XXXX XXXX XXXX CREDITOR ACCOUNT:XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX, MA XXXX billing dpt # XXXX XXXX XXXX XXXX XXXX Appeals and Grievances dpt XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Massachusetts XXXX XXXX Billing agent XXXX XXXX XXXX ext XXXX XXXX  -XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX Appeals unit XXXX XXXX XXXX XXXX, Massachusetts XXXX First Financial Resources XXXX XXXX XXXX suite XXXX XXXX, Massachusetts # XXXX XXXX XXXX or XXXX XXXX XXXX I call these supervisors and billing agents to complain that i was never informed and to remove the bill because I have outstanding impact on my negative credit score. They are no help in immediation of assistance and ping me back and fourth to the other companies. This has been ongoing since XX/XX/XXXX. There has to be someone that can negotiate wan waive this bill from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I JUST RECIEVED THIS NOTICE TODAY ABOUT THAT STUPID {$420.00} XXXX BILL, EXCEPT IT 'S WITH ANOTHER DEBT COLLECTION COMPANY!!!! XXXX!!!!! I CALLED THE COMPANY AND THE REPRESENTATIVE THAT I TALKED TO TOLD ME THAT THEY WERE GON NA HANG UP IF I DID N'T QUIT BEING FRUSTRATED!!!!!!!!! I STRAIGHT UP TOLD HIM THAT THE POLICE DO NOT DO ANYTHING ABOUT ID THEFT, AND THE GUY TOLD ME THAT THEY DID ... .NO THEY DO N'T!!!!!!! UNLESS YOU 'RE FAMOUS AND YOU HAVE MONEY!!!!!!!!!!!!!!! THEY ALSO THREATENED TO PUT A DEROGATORY ACCOUNT ON MY CREDIT BUREAUS AS WELL!!!!!!! I HAVE ALREADY TALKED TO THE XXXX POLICE AND THEY DID NOT DO ANYTHING!!!!!!! SO I DO NOT WAN NA HEAR ABOUT FILING A REPORT!!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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:
As of XX/XX/2021 Experian continues to report an inaccurate account on my credit report from XXXX XXXX. I have written several letters in an attempt to correct this issue and no progress has been made. At this time, no information or proof has been furnished to establish that this debt belongs to me. This incorrect information is severally effecting my credit score at this time.

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 2016-11-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Account is being reported on credit report, and the debt is passed 7 years old which is past the statue of limitations. Debt is no longer allowed to be on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report TO WHOM IT MAY CONCERN, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent and have negatively impacted my credit score. The details of the inquiries in question are as follows : XXXX XXXX ( Bank ) - XX/XX/2023 XXXX  ( Bank ) - XX/XX/2023 XXXX  XXXX ( Bank ) - XX/XX/2023 XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXX XXXX XXXX ( Bank ) - XX/XX/2023 I have contacted your customer service department on multiple occasions regarding this matter. Despite my efforts to resolve this issue, there has been no satisfactory resolution. I have spoken to your representatives and even escalated the matter to a supervisor who assured me that the inquiries would be removed within XXXX hours. Regrettably, this has not occurred, and the incorrect information remains on my credit report. 

The unauthorized credit inquiries have had a detrimental impact on my credit score, making it imperative that this matter be rectified promptly. I demand a thorough investigation into these inquiries and request the immediate removal of the unauthorized inquiries from my credit report. 

I understand that timely resolution of this dispute is crucial to maintaining the accuracy of my credit profile. I appreciate your prompt attention to this matter and look forward to a written response detailing the results of your investigation. 

Please provide me with written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly maintain that it is unfair for me to bear responsibility for these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
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: Was not notified of investigation status or results

Complaint:
The companies listed below did not notify me before placing these accounts on my credit report. XXXX, XXXX, and TransUnion has not responded to my request to verify these accounts. I have not received any information from these companies in reference to these accounts.

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 2022-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2023-04-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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:
Collections Item : Fair Collections and Outsourcing. 
After speaking with this company several times about this account. They provided information that is not accurate and someone had used relative information to open this account. The phone number or DOB do not match. The dates do not match. This company stated that this needs to be paid without verifying any information with me. 
This account is not mine., They stated if I made a payment they would not update the balance or remove from my report. This is against the FCRA act. They have the incorrect license number incorrect address and invalid supporting evidence. I cooperated with this company in resolution but they are not willing to assist at all. 

After speaking with XXXX XXXX XXXX he stated they would sue me and my credit would be damaged no matter what. He said even if I pay they would not update the balance or remove this from my credit. 

After speaking with another Manager XXXX XXXX, she stated that I need to settle this account and file a dispute with the credit bureaus. 


Spoke to XXXX XXXX - XXXX at XXXX Spoke to XXXX XXXX - XXXX at XXXX After the submitting company having no phone number to contact, I have contacted XXXX Several times to have this issue rectified. 

I have contacted the Managing XXXX XXXX XXXX at XXXX several times with no response.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to dispute the reporting of this bankruptcy on my credit report, as there are discrepancies in the reported dates and closure of the case. I have received documentation from the court indicating that this bankruptcy should not be reported, and that the reporting is coming from an unauthorized third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: 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:
XXXX and equifax are doing shady practices by not allowing me to get a copy of my credit report which a consumer can not be denied per the FCRA, They have locked me out from my account and when i call to have them unlock they are telling me i am answring incorrectly when i know the responses i am giving them are accurate along with this they are adding things to my credit report while i am locked out and allowing me to be taken advantage of. I have had things pop up on to my XXXX and equifax only while my XXXX  does not report what they are showing. I am demanding a remedy for the damages they have caused me or i will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a child support case in my history of open/ delinquent accounts. It was for one year in 1998. I was not delinquent on child support payments. I was exempt from this back pay because I was on XXXX. When my case was transferred to California the original state forgot to share this information & California went after my bank accounts, illegally garnishing XXXX checks on three occasions. After the third time I was furious! I sent them a legal letter and the case was closed with no money paid or owed. This should not be on my credit report. It reflects badly on me as it may affect my credit score but also reflects badly on me professionally. It should never been reported as delinquent and it should not be on my credit report at all. 
And also, my work does credit checks on new hires and when we get leases through the company. No body I work with knows I had a child as a XXXX that I gave up for XXXX  It is not ok that the people I work with find out this way.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/XXXX Dear XXXX XXXX : I need to make a consumer complaint. On XX/XX/XXXX of XXXX, I purchased a car from a car dealership named XXXX 's in XXXX, PA. This dealership sold a car to me without checking my income verification. I am on social security and could in no way afford a $ XXXXa-month car payment. I brought the car back to the dealership on XX/XX/XXXX. I would like your department to investigate this matter. I believe I will be protected under the Americans with Disabilities Act as I am XXXX and was sold a car that was not within my budget. I am requesting that the dealership remove this item from my credit report. The dealership sold the car to someone else and I received a check for only {$720.00}. I would like your team to reach other to XXXX XXXX and the XXXX 's Dealership. The salesman that I am working with is XXXX. 



XXXX XXXX XXXX 's XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX 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 2015-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EQUIFAX LIED TO THE CFPB IN CFPB # XXXX. ( PROOF ATTACHED ) THE XXXX XXXX XXXX XXXX ACCOUNT HAS BEEN RE-AGEDILLEGALLY WITH THE HELP AND BLESSING ( COLLUSION ) OF EQUIFAX.THE ACCOUNTXXXXXXXX # XXXX HAS AN ORIGINAL DATE OF XXXX DELINQUENCY OF XX/XX/XXXXwhich is correct and there exists no proof in this world otherwise.This was verified byequifax and XXXX XXXX XX/XX/2015.the changes made to this record are erroneous on their face ... the date of first delinq., date of 1st major delinq., and date of last pymtare all the same, which is a real world impossibility in credit reporting that equifax shouldknow if they are competent.EQUIFAX HAS LIED TO CFPB AND VIOLATES FCRAWITH IMPUNITY.THE ACCOUNT IS TOO OLD TO BE REPORTING, NOW OVER 7 YEARS SINCE THE DOFD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen misreported our payments over the last 6 months and we have tried to get it resolved. We sold our house in XXXX and the loan was paid off however they are still reporting it late and with a balance. The payment status is wrong. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with Citibank in XXXX, XXXX, in response to an offer of an incentive of {$500.00} to be credited to the account after 60 days. I deposited a total of {$15000.00} as required and the only other requirement was that the account remain open and active during the 60 day period. No withdrawals were made and the account continues to have a balance of {$15000.00}. I have received statements and the {$500.00} has not been credited as of XX/XX/XXXX. I telephoned repeatedly and received no satisfactory response, speaking to " representatives '' from the XXXX on multiple occasions and once a person who said she was located " close to XXXX '' One of the representatives admitted he provided to me a false identity. I was hung up on three separate times, transferred to a " supervisor '' once and then he hung up. I was given an " XXXX  number '' which proved to be inaccurate. In the interim I have attempted to access the account with the password and security word established ( which I wrote down upon starting the account ) and the account is locked with no ability to reset the pw and security word. Citibank says I must maintain the account and it must be active at the time the credit is made for the incentive, and accordingly I can not close the account, or I will lose the incentive earned. Accordingly I have lost the use of the funds indefinitely. In the first conversation with a Citibank " representative '' I was provided with a code XXXX and assured that the matter would be " resolved '' within 7 days. Instead, more than a week later, on XX/XX/XXXX, I received an item of form correspondence acknowledging my " inquiry '' regarding my account and it stated they are " in the process of completing our review. '' I telephoned on XX/XX/XXXX, after receiving no further response, and I was advised that the record indicated the complaint, but it had not been resolved. No information was provided as to when and how it would be " resolved '' and I was told I could file " another complaint ''. I asked what that would accomplish and ultimately the person disconnected. The conduct of the bank is clearly conversion and consumer fraud. They have my money, refuse to credit my account, locked the account preventing my access and accordingly they are very simply thieves. How does this international criminal bank continue in existence? I am aware of the innumerable similar complaints. What is the CFPB doing about it? Any fines? Any court actions? How can this be resolved? I want my money, and I want additional compensation for the time my account has been held from me without the ability to invest it or obtain interest income.

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