BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-02-07
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pay all my bills on time and I find it outrageous that i have a debt XXXX from a company I have no dealings with. I need answer as of why this on my credit report and why I was never contacted about this debt. I called my utilities suppliers and they have no clue of any debt because I again pay my bills on time. I will not take this lightly and I will take legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Please add my contact telephone number to my credit profile. My contact number is 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 2021-06-21
Company: Bridge It, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have a brigit account and I have 5 derogatory marks in the collection catagories and I want to get rid of them but I need 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 explanation
Consumer complaint received 2020-02-19
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: Information belongs to someone else

Complaint:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: VA
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 disputed a closed, wrong reporting acct. They never sent verifiable proof, can't connect the address to the account, this has been going on for over 1yr.

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 2020-07-05
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted for an SBA loan back in XXXXI finally got to the actual loan acceptance timeframe.I filled out the paperwork and submitted last week.I got an email from the SBA loan officer.He stated that I had 2 issues I needed to resolve,1 was to make sure my name I submitted for the loan was the same that Is on my bank statement 2 was that Experian was not giving my credit report to him and they were reporting that I was a minor. Im XXXX  yrs old, and I have to resolve that issue with them before he would consider me for the loan. Ive tried ever number they have and the whole system is automated I can not get through to any type of customer serviceIm calling social security tomorrow Any thing else I can do Thank you XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX, XXXX  and TransUnion about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.

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 2021-01-29
Company: EQUIFAX, INC.
State: AZ
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 Balance : {$410.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX  XXXX Balance : {$10000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} - This Account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX of 2019, I was released from my job due to a medical condition and my income was cut by 30 %. During the months of XXXX, XXXX, XXXX, XXXX, and XXXX, I was unable to keep up with my credit card payments. I called and informed the company of my hardship and I would pay everything in full once I was able to. The representative I spoke with encouraged me to send in a letter stating the reason why I was unable to pay in full so that the late fees and reporting late to my credit report would be removed. The account was paid in full XXXX of 2019 and has been current since, but the late payments have not been removed from the months stated above, causing a decrease in my credit score. If I could get that handled like I was promised that would be wonderful. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: LDF Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am unsure of the validity of this company, first and foremost. I needed the money to pay for a class after falling on hard times and I was unable to secure a regular loan. My first concern was that the application said I did mot have to authorize ACH transfers for my payment. I then received notification saying I needed to call their service center to complete verification. At this time the representative advised ACH was required and I would not receive my loan if I didn't sogn the authorization. My first payment drafted in the payment date, but was so early in the morning it drafted before my check cleared. I decided to research the company after that and requested that my next payment be deferred before I allowed them to draft again. After researching, I found that this company is supposedly owned by, but not located, on an XXXX tribe of some sort, and therefore immune to federal or state laws. I have sent notifications of revocation of consent for ACH, but have received no response in return. I have seen many complaints with the XXXX regarding the company continuing to draft accounts after consumers revoked their ACH consent. I feel like this company has lots of similarities to the XXXX XXXX scam and want to know my rights if they continue to draft my account after multiple notices of revocation of ACH. I was also told my the representative when I requested the deferral of my last payment that if I deferred the payment, I could not pay off the loan prior to my last payment date, which to me sounds like I would have to pay the 794 % interest for the full 12 months as opposed to paying the loan off early once I receive my reimbursement from school next month. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had too many attempts at logging into my Experian account. The website gave me a number to call to address this. I called, and was put through a series of prompts, finally to have a voice recording advise me to use the website to access my account, then hung up. No option to speak with a live agent, and certainly no assistance with my problem. I have sent several emails with customer service only to receive a form letter email instructing me to use the website to access my account. Back to the original issue, with no resolution.

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 2020-07-15
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I noticed a derogatory account listed on my credit report, which had negatively impacted my credit rating. I discovered this was from a company called IC Systems. 
Upon calling ICS I was informed I had an outstanding debt of {$120.00} from XXXX  dating from XX/XX/XXXX. They said it related to my not returning broadband equipment, which I had. 
I asked repeatedly for them to provide evidence of this debt which they have not. I explained that I had been a XXXX  customer from XXXX to XX/XX/XXXX and therefore it was illogical that I would have debt with them during that period when my account was in good standing. They argued that as they were separate accounts ( one closed in XXXX and a new on started the same month due to moving home ) that it wouldnt show. It was confusing as I have never had any issue with my XXXX  billing. 

The representative on the call said that IC had written to me a few times in the past few months ( coincidentally since I closed my XXXX  account in XX/XX/XXXX ). I explained that I have been out of the US ( in the XXXX ) as a consequence of the coronavirus pandemic so hadnt seen the mail but asked to be communicated with via e-mail instead. He refused to have them e-mail me. On my opinion, in this day and age, there is no good reason not to write by e-mail. There is no more or less chance of risk than with a call or physical letter. It is a tactic on their part to draw me deeper in to problems. As a side note I believe the name IC Systems to be deliberately misleading too. It does not address the nature if their business and could be easily overlooked as junk mail or spam. 

In any case, the representative then asked if I would like to provide further details? I said no as the taped message at the start of the call said any information I provide could be used to pursue me and I dont want to be harassed. The agent said that isnt the case and they wouldnt use it for that. This is early contradictory and also doesnt reconcile with his earlier refusal to write to me via e-mail or to call my XXXX number. He then asked if I would like have to case reviewed, meaning it would be put on hold for a few weeks while it was assessed and no further action would be taken in the meantime. I agreed and asked for the evidence of debt to be sent during that process. 

Two days later they filed another derogatory account notice to my credit report. This company has now severely impacted my credit rating at a tome when people are struggling hugely. They still havent provided me with evidence nor reached out via phone or e-mail. 

I believe they have acted in bad faith throughout. They have caused me stress and affected my future ability to access credit. Their weekly credit updates are designed to weaken and pressurise the individual.

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 2018-07-17
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by NATIONAL CREDIT ADJUSTERS , L.L.C. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

Account information Account name : National Credit Adjusters Account number : XXXX Balance : {$310.00} Open date : XXXX XXXXXXXX 

I was harassed on phone, collecting on illegitimate bill, no funds were owed to original creditor, predatory lending, unconscionable interest rate. 

Solution : delete my account from all credit bureaus and waive the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company has been calling me every single day, both on my phone and my cell phone since XXXX XXXX, 2018- for no reason. I make all my payments on time the message says, " this is a private matter, please call me back '' so unprofessional, unethical. how do we make them stop calling 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 2020-07-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been trying to get rid of fraudulent accounts since XX/XX/2020 Equifax and XXXX  seem to not be able to report accurate information XXXX XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) Equifax XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX XXXX Credit Card still showing - needs to be removed ( Showing as Open and Current but has been in default since XXXX ) ill enclose my Driver license social security card and original identity theft report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 : I have been a frequent victim of identity theft so I put a temp freeze on my credit report when its not being used. Im trying to apply for a loan for a new AC   system. The company uses Experian for their credit checks. 

I went to Experians website to remove the freeze. I dont remember my PIN ( its an odd length and I dont do this often ). So, I answered the out of wallet questions to help verify my identity. While I answered them correctly, apparently its different then whats in my file with Experian. The only option they are giving me to remove my freeze is mail. I tried to call, but their IVR prevents you from speaking to a person. You get stuck in a loop where their automated system tries to help you, but it fails. I tried calling their corporate office, but could not get ahold of anyone either. 

This process is completely unfair. I can not see why mailing a price of paper is anymore secure than anything electronic or via phone. Someone could very easily mail in this form and they would have no idea. 

I also feel this takes advantage of the slow response via mail, especially during COVID where everything is taking longer to ship.

I simply can not wait to mail information back and forth to remove this freeze from my credit. There is mold in my AC unit its unhealthy for my family to continue to breath this in. Im going to end up having to wait if I have to mail this back and forth.

Its the 21st century. If they gave a 2nd chance on these out of wallet questions, perhaps I could have answered other information that would have helped them verify my identity.

Im sorry Im so frustrated. I hope you can help prevent other people from having to go through this.

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 2017-08-10
Company: HW Holding, Inc
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor Name HUNTER WARFIELD INC Account No. XXXX Original Creditor XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$2100.00} Balance {$3100.00} Date Opened XXXX/XXXX/XXXX Date Reported XXXX/XXXX/XXXX Remarks Placed for collection They are trying to collect on a last month of rent for a place that was moved out to due BLACK MOLD, Broken garbage disposal and kept back flowing into the dishwasher/clean dishes so I was force to hand wash all dishes and the outside of my door was graphittied with a XXXX which was not taken care of.

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