BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX  XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I  should not have. I had paid this over the phone and was under the impression the payments went through, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

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 2019-10-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-30
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CITIBANK, N.A.
State: IN
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:
I have XXXX cards with Citi and have been with them since XXXX. Over the last year they keep decreasing my credit limits even though I havent been late, havent maxed out my credit limit and usually pay more than the minimum. With them doing that it has drastically lowered my credit score and makes it look like I am over obligated. They havent given me a good answer why.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX has incorrectly reported that I had a past due status which I did not. My truck was completely totaled out by my insurance in XX/XX/2016. They are stating I was late which resulted in my credit score dropping 50+ on each side. I have contacted them and the credit companies.

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 2019-10-30
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I upgraded my old SPG Amex card to Amex Marriott bonvoy brilliant due to upgrade offer which was 100,000 points with {$5000.00} spending requirement within 3 month on XX/XX/2019. 

I didn't get any bonus points after {$5000.00} spending. 
Therefore, I contacted Amex to check the status several times. 
Amex told me there was no offer for me when I upgraded my card. 

My fault was I didn't capture any evidence when I upgraded. 
I found upgrade offer in my Amex account and I upgraded it. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 I sent Harmon Law, PC ( separate party ) a 93 A letter whereas whom they represent for foreclosure actions, XXXX XXXX XXXX XXXX XXXX. Today I received their response which is NOt a legal response to it! ( see attached pay off quote ) its client sent me a payoff quote from instead of answering it directly. This is not a legal response. Please see also on page 13 pgh 2 last sentence of the court decision it states ( please see also attached court ruling on XX/XX/2019 pg 13, pgh 2 ) that there is no value whereas there is no note to put a value on my home in question. Not only did Harmon Not respond with a legal 93A required response but it also did not acknowledge the fact that having no original promissory note and mortgage there is no real value to foreclose on my home with. Please see 93A letter sent to Harmon it specifies which rules and or regulations are being violated here. This letter is directed at Harmon Law, PC. 

This court ruling file ( too large ) can not fit on this site so I am attaching page 13, pgh2 from it. 
Again this action is for Harmon Law, PC ( foreclosure mill ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Best Buy services, always says oh your score is too low, this means I am discriminated against, I have been turned down five times, it seems like they only help people with High credit do not discriminate against, fix the problem

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 2020-10-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted this company several times along with disputed with all 3 bureaus and they refuse to remove the account or provide documentation showing proof this is my account. I am a victim of identity theft and I have fraud alerts on all bureaus. I was able to get all fraudulent and inaccurate information removed off my account BESIDES this one and I am demanding removal and or proof of validation. I do not recall ever opening a XXXX XXXX XXXX credit card and its been messing up my credit for YEARS. Credit bureaus need to do something

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  ) 30 days late as of XX/XX/XXXX ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statements did not get 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 2019-10-30
Company: LoanCare, LLC
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 information incorrect

Complaint:
Loancare # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Account # XXXX is a charge off account that is reporting inaccurate on my credit report all three Bureau are reporting different information different balance owe, different closed, different payments history if this is the same account why is the information different from my understanding its the Bureau job to report accurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On or about XX/XX/XXXX, I entered into a contract with Santander for a XXXX XXXX XXXX. The payments were made on time and this is reflected until I surrendered the vehicle in XXXX of XXXX. The vehicle per Santander was charged off after bring sold by Santander in XX/XX/XXXX. All of this was reported and reflected on my credit report. Santander updated my credit report to reflect that I made a payment in XX/XX/XXXX and last date of activity as XX/XX/XXXX, which was not true. I reached out to Santander in XXXX of XXXX, to notify them that this information was inaccurate and per FCRA was illegal per their ruling on the re-aging of accounts. Santander updated my report every month to reflect a charge off and last date of activity as XX/XX/XXXX. In both XX/XX/XXXX and XXXX of XXXX they reported that I made a payment, which again was not true and reported my last date of activity as XX/XX/XXXX. They also updated the date of delinquency as 90 days past due as of XX/XX/XXXX which is conflicting information. In XXXX of XXXX, they reported the account as charged off but again updated the days of delinquency to 90 days past due. XXXX, XXXX and XXXX were updated as a payment being made but again the date of delinquency was updated to XX/XX/XXXX and the last date of activity was updated to XX/XX/XXXX. In XXXX of XXXX, the account was reported as charged off, date of delinquency was updated to XX/XX/XXXX and date of last activity was updated to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am victimized by identity theft. The fraudulent Activity happened on XX/XX/2018, which I did not make any transaction to this company. I have this police report where I stated that I lost my phone where I stored my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX/Utah SBR # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

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 2019-10-30
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX/Utah XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

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 2019-02-11
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I'm the cosigner for my daughter. She had gone thru some medical issues and was laid off. My financial status has changed drastically being XXXX. An injury from work. I tried to work out a settlement which they agreed I could lock it in with a parent pay out. Then daughter take over payments she could afford. Mrs XXXX  was such a unprofessional person to deal with at times felt I was being scammed and harassment didn't end. I'm filing chapter XXXX unfortunately. We would come to terms but shed never put it in writing so I'd tell her I'm not comfortable she was exstremely mean I saved dates and times and shed deny talking. So I told her till I get settlement in writing I'm not moving forward .she also bullied my daughter made her cry she was so mean thank you for your, help XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
XXXX/Utah XXXX # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Receivables Performance Management, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
RCVL PER MNG is reporting inaccurately on my credit report. They are in violation of the bankruptcy automatic stay as the debts were included in a discharged bankruptcy yet they are still reporting balances and updating monthly.

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 2019-10-30
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX is reporting inaccurately on my credit report. They are in violation of the bankruptcy automatic stay as the debts were included in a discharged bankruptcy yet they are still reporting balances and updating monthly.

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 2019-10-30
Company: I.C. System, Inc.
State: DE
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 C Systems placed items on credit file. Company failed to comply according to FCRA guidelines. Requested over 30 days ago to validate contract and signature.

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 2017-12-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My personal information was breached in both the FASFA breach and now the Equifax breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXT XXXX 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 2023-06-14
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: Unity Asset Management
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my sisters and parents repeatedly. They leave my personal information on their voicemails. I consulted with a lawyer they said its scam calls and to contact the states attorney general

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation