BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have asked for these companies to remove these loans from my credit report and or provide proof of legal attachement to these account over 30 days old and nothing provided and still not removed 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
Consumer complaint received 2019-08-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello,I have reached out to Equifax several times regarding these inquiries by mail and phone. I have also contacted the creditors like I was advised to, and there telling me to contact Equifax, so I don’t know what else to do, here Is a list of the inquiries:Equifax or WHICHEVER CREDIT BUREAUS holding the inquiries XXXX XXXX XXXX XXXX, GA XXXXI am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed MULTIPLE credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to do so, please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.The FCRA states that the only permissible purpose for pulling someone’s credit is for:A. Firm Offer of CreditB. InsuranceC. EmploymentD. Court OrderThe following credit inquiries are not related to none of the aforementioned permissible• XXXX XXXX XXXX- (XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-XX/XX/XXXX•  XXXX- XX/XX/XXXX, XX/XX/XXXX• XXXX XXXX XXXX (XX/XX/XXXX)•  XXXX/XXXX (XX/XX/XXXX)• XXXX XXXX-(XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-(XX/XX/XXXX)Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I recently viewed my Credit File with XXXX, and noticed an account that was listed as Open, when it should have been listed as Closed. So I disputed the account information and received a notice from XXXX that my dispute was denied. The bank verified that my account is still open. It should not be open. Also, there is a balance of {$43.00} being listed as due on this account in my credit file. This is wrong. I paid this account in full to XXXX balance and then after confirmation that my payment was processed, I called the number on my card and requested this account to be closed. My final statement dated XX/XX/2023 shows the final payment of {$43.00}, with a XXXX XXXX of XXXX. This is the final statement that I received for this account. I have received no other statements since this final statement requesting payment or showing a balance due. When I go online to my accounts on the bank website, there are no credit card accounts currently listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
They git my information all wrong.

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 2020-12-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold while on a forbearance government program to SPS mortgage company. SPS initially failed to honor my forbearance program and a complaint was filed with the XXXX to get them to honor it. Fast forward to XX/XX/XXXX I get a call from a representative from SPS who tells me my mortgage was caught up until XX/XX/2020 from my forbearance program and that money was sent in by my county to cover the missed mortgage payments and that I could end my forbearance since my account was caught up. They took me off the forbearance program reversed the payments and then reported to my credit agencies as me being late. Basically they committed fraud and lied to get me To end my forbearance program :

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: AR
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:
I requested debt validation XX/XX/XXXX I received a copy of a bill dated XX/XX/XXXX  which is not debt validation. In accordance with the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Sections 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15 USCS 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Convergent 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:
Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-11-30
Company: I.C. System, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2023 I received copy of my credit reports ( XXXX and XXXX ) and IC Systems is listed in collection section on these reports and I have no contract with this collection agency. I have never spoken to them in person or by phone, I have never received a letter or electronic communication. This is a debt that I am not liable for and this entry from IC Systems on my credit reports is damaging my credit as a consumer. I understand there are laws to protect consumers in situation like this and that I have a right to request a full investigation for authorization and verification as to why this company is listed on my credit reports.

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: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
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 filed a dispute with Experian for a collections account that has been placed on my credit report three times from XXXX XXXX XXXX because the account is fraud and is more than 10 years old, 2007 to be exact. When I disputed it the first time, Experian deleted it and then Experian immediately opened a second investigation because at that point, XXXX XXXX had placed the account on my report a second time, but today I received notice from Experian that " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details ''. 

XXXX XXXX can not verify the account as accurate because it is fraud. This/these account ( s ) stems from XXXX XXXX charging me for utility services for an apartment that I sublet briefly in 2007!, sublet not rented, not leased in my name, and no utility legitimately opened in my name. I learned via a collection account placed on my credit report a year or two after subletting this apartment that XXXX XXXX allowed the tenant who was under lease for the apartment to connect utilities in my name and thereafter attached another fraudulently opened account open in my name for another apartment 5/6 years ago at an apartment where I did not live. This fraudulent account that XXXX XXXX is attempting to collect is not one stand alone account but in fact two fraudulent accounts that XXXX XXXX has combined and is attempting to collect. XXXX XXXX can not hold me responsible for utilities that were incurred as a result of fraudulent activity. The account charges are fraud. The first of the two fraudulent accounts stems back to 2007, thus is over 10 years old, and I don't know when they allowed the second to be opened, but it was 5/6 years go. The accounts are fraud and XXXX XXXX can not prove otherwise. 

Experian has repeatedly in the past removed this account that XXXX XXXX has sold to different collection agencies from my credit report because it is fraud ( and it is now over 10 years old ). Experian can not now claim that the information is verified as accurate when it's fraud. Just because someone has my name, ssn and birthdate doesn't mean the account they opened is a legitimate account ... that's why it's called identity theft.

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 2023-10-27
Company: Bread Financial Holdings, Inc.
State: CA
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:
In accordance with the fair credit Reporting act XXXX Account, XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX ( Original Creditor : XXXX THE XXXX AT XXXX XXXX XXXX XXXX XXXX : {$4100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$340.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/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 2023-11-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: TN
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XXXX XXXX XXXX to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$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 explanation
Consumer complaint received 2018-02-27
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a 36 month lease for a XXXX XXXX XXXX through GM Financial that was initiated in XXXX of XXXX. In XXXX of XXXX we moved to a new address and advised GM Financial of our move. Our XXXX, XXXX, and XXXX of XXXX bills were all sent to our new address. Then in XXXX the XXXX bill did not show up. I tried calling them, but no one answered the phones. I went to the web site and it was only semi-functional, but there was a message saying their customer service office was closed, no explanation, and would reopen in XXXX! With no other option I copied an old bill, attached a check for the correct amount and mailed it off. This month I got a bill to the correct address, which I promptly paid. Today I got another bill sent to my wife 's name, to our old address, with a charge of {$25.00} for an " EARN TAX, '' and when I called customer service their automated line also had this amount identified and said it was PAST DUE. I sat on hold for about half an hour and finally talked to a customer service rep named XXXX, who was very cavalier and smart XXXX about the whole situation. I worked for XXXX for over 32 years, the last 10 years in XXXX 's Disaster Recovery line of business with the largest businesses and govt. agencies, including State of California for many years. I have a very strong suspicion GM Financial had a major failure or hack of their system and in the process of restoring loaded some bad tapes, at a minimum. I know that GM Financial has thousand 's of customers in California and all of them were victims. The customer service rep tried to guarantee me this would not hurt my credit and that the problem was fixed, but I have a low level of faith at this point. GM has a long history of taking short cuts that put their customers and not just financial but also physical risk. Shame on me for not remembering that before I leased a car from them. I do think this matter should be looked into at the highest level and proper action taken. GM Financial has failed their fiduciarly responsibility to their customers, their stock holders, and the general public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
account was closed for no reason. it had funds inside, never overdraft

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: 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:
It appears my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, 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 have disputed over and over the account listed under XXXX  XXXX it shows a balance of {$3100.00}. The phone numbers, address, everything are non working for this creditor. There is no validation of debt under article 1 and 2. Ive asked XXXX XXXX, and equifax to delete this account but they still keep reporting it. There is no success in getting in touch with the creditor either. The phone number listed is non working and so is the address.

Company response to consumer: Closed with explanation