BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$4600.00} on XXXX XXXX XXXX partial account number - XXXX. ( Please see page attached from my credit report. ) The vehicle in question had full coverage insurance. This bill should have been paid by XXXX XXXX however, they denied my claim. I have attached a copy of my coverage information which clearly shows the vehicle was insured. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been getting denied for a rental property since XX/XX/XXXX, which made me look into my credit report where I found several inaccuracies and FCRA violations. 

I have been going back and forth with Transunion since XXXX XXXX. It is now XX/XX/XXXX and my situation still has not been resolved. I have repeatedly asked for evidence supporting their reporting -- four times to be exact. They have failed to provide me a copy of ay viable evidence submitted by the creditor substantiating their claims. I've also requested their method of verification and Transunion still has not complied, which is an additional violation of the FCRA 611 ( a ) ( 7 ).

At this point, I believe that Transunion is acting in bad faith and have not complied with the FCRA at all, which now I am prepared to file a lawsuit in the small claims court. Their inaccurate and unverifiable reporting was the cause of my family and I becoming homeless. If not removed, I will be seeking damages. This has been traumatic.

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 2023-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I mailed XXXX  and Experian disputes regarding a XXXX XXXX account that was reporting inaccurately on my files. I disputed the payment history and date of first delinquency because XXXX  showed I first became 30 days late in XX/XX/XXXX, but Experian showed I first became 30 days late in XX/XX/XXXX. XXXX  also showed the date of first delinquency as XX/XX/XXXX, which contradicted the payment history. How could the same late payment occur during 2 separate months of the year? On XX/XX/XXXX, XXXX   responded to my dispute saying XXXX XXXX verified that the information I disputed was accurate. The date of first delinquency was listed as XX/XX/XXXX in their response and the payment history was missing entirely. The account was not compliant with the FCRA before my dispute and it is also non-compliant after my dispute. XXXX  did not fix the error and the account is now entirely incomplete. If XXXX  actually investigated the account, the errors and omissions would not remain. To further demonstrate this information, I also received a response from Experian on XX/XX/XXXX. In their response to my dispute, they said XXXX XXXX verified to them that the date the account first became late was XXXX of XXXX. How can XXXX verify two different dates as accurate for the same late payment? How can this same late payment be reported as occurring in XX/XX/XXXX on XXXX  and XX/XX/XXXX on Experian? After my disputes, both bureaus claim they did their own investigation and that XXXX XXXX has verified to them that the information is accurate, but the inaccuracies still remain on both 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 2023-08-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact Hunters Warfield and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the XXXX in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called Hunter 's Warfield in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted Hunters Warfield on XX/XX/2018 and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my XXXX report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the National Legal Aid for assistance

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted Collection Manager Mr.XXXX XXXX and he refuses to answer my calls as his reps stated a couple of times that he is not available and will not have a affordable monthly payments of {$70.00} @ month is what l can afford to pay my personal loan with Oportun. 

I can pay only {$70.00} @ month until loan debt of {$4500.00} is paid off. 
I can call Oportun each month and pay the {$70.00}. 

It appears that Oportun wants to violate my XXXX XXXX Civil Rights Act under Department of Justice and ruin my credit and send derogatory remarks to XXXX, XXXX  and XXXX  credit report Agencies. 
I am willing and able to pay a monthly payment plan of {$70.00} @ month to pay loan debt. 
I am respectfully XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am aware that Midland Credit Management has violated my federally protected consumer rights which has caused me anxiety, mental anguish, defamation of character and my reputation. I received a letter in the mail from Midland Credit Management stating that I owed a debt of {$610.00}. Pursuant to 15 USC 1692b ( 2 ), a debt collector can not state that such consumer owes any debt. A debt collector pursuant to 15 USC 1692a ( 6 ), means any person who uses any instrumentality of interstate commerce or the mails in any business the. principal purse. of which is the collection of any debt, or who regularly collects, or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Pursuant to 15 USC 1692c, I never gave Midland Credit Management prior consent to communicate with me regarding any alleged debt. Pursuant to 15 USC 1692a ( 7 ), I never gave Midland Credit Management the authorization to obtain my location information which lets me know that pursuant to 18 USC 1028, Midland Credit Company possessed an authentication feature with the intent such authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used which constitutes to fraud pursuant to 18 USC 1028A . Pursuant to 15 USC 1611, Midland Credit Management is criminally liable for willfully and knowingly giving false and inaccurate information to me regarding the alleged debt. Pursuant to 15 USC 1692e ( 2 ) ( a ), Midland Credit Management gave a false representation of the amount that they say I allegedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: IA
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:
I have tried disputing this account with XXXX XXXX and Equifax along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. Loan was granted with collateral. Accounts open as XX/XX/XXXX by XXXX XX/XX/XXXX by XXXX and Equifax with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating XXXX XXXX as XX/XX/XXXX while XXXX reported XX/XX/XXXX and Equifax report at XX/XX/XXXX. Payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by Equifax when Equifax was reporting date of last payment XX/XX/XXXX while XXXX was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with XXXX XXXX and Equifax. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with XXXX and Equifax. Now, removing all data from date of last payment and deleting payment history with Equifax changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by XXXX and XX/XX/XXXX with XXXX  while Equifax reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same XXXX XXXX  account as a total mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TCF NATIONAL BANK
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I unfortunately can not view the records of my TCF account because they closed my account without warning after I reported my account balance was incorrect. I was overdrawn in my checking account and that was inaccurate. I was in a store over the summer on XXXX and XXXX in XXXX and was making a purchase he had my card and charged me the wrong amount. I did tell the business owner and he said he voided the transaction. Well it still showed up on my account. I was then charged numerous over draft fees because that XXXX dollars never was returned to my account. So actually TCF bank owes me {$40.00} and I tried to get them to dispute that charge and was never given any help. I never received anything for the XXXX that was taken and I am not paying an additional {$260.00} for TCFs negligence. I tried they didn't listen then they took access away from my account so I can not even straighten it out with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09
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: Personal information incorrect

Complaint:
these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-07-30
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an account open with a creditor for a store card. I have previously asked to refrain from calling me on XXXX as I go to church and they have repeatedly called me on Sunday with a total of 3 times in about 4 hours. Since Friday they have called 7 times and have not yielded the phone calls. According to the information on the CFPB site they are in current violation of harassment. I have asked them to stop calling that I have payment arrangements set up but they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am submitting a complaint in regards to my XXXX  account that is held by XXXX  XXXX. Back in XXXX of XXXX  my account was closed by the creditor due to XXXX taking them over. I never had a physical card with XXXX and no account number. I had to pay this card via XXXX XXXX  website. Well in XXXX when they closed down the website went down as well. I contacted XXXX back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of XXXX  XXXX called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor XXXX my request XXXX what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from XXXX be removed off my credit reports. I pay all my bills on time and my credit is extremely important to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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 status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Merchants and Medical Credit Corporation, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I unfortunately can not view the records of my XXXX account because they closed my account without warning after I reported my account balance was incorrect. I was overdrawn in my checking account and that was inaccurate. I was in a store over the summer on XXXX and XXXX in XXXX and was making a purchase he had my card and charged me the wrong amount. I did tell the business owner and he said he voided the transaction. Well it still showed up on my account. I was then charged numerous over draft fees because that XXXX dollars never was returned to my account. So actually XXXX XXXX  owes me {$40.00} and I tried to get them to dispute that charge and was never given any help. I never received anything for the XXXX that was taken and I am not paying an additional {$260.00} for XXXXs negligence. I tried they didn't listen then they took access away from my account so I can not even straighten it out with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: Self Financial Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i usually pay my bills when i receive my statements in the mail, i never received a statement for this account with my update bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: ENCORE CAPITAL GROUP 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:
XXXX XXXX  XXXX & midland funding dont match. photos attached XXXX XXXX  -- last payment XX/XX/XXXX trade line shows XX/XX/XXXX account closed XX/XX/XXXX midland funding got collections XX/XX/XXXX why long wait from XXXX XXXX  to midland? 
re-aging on both parties? 

2 credit shows open, one shows closed and not in collections which is correct

Company response to consumer: Closed with explanation