BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. This is a multiple compaints. I need the following items information to be deleted. 

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 2020-09-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have attempted to call Citizens One XXXX about my XXXX XXXX loan and specifically the outstanding balance. Despite multiple attempts I am unable to get any information about the loan, terms or payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I disputed ERRORS on ALL 3 my credit report, pursuant to 609 of the FCRA.

I attached a method of verification pursuing to 611 of the FCRA. 

CRAs didnt properly respond to disputes, closed all accounts erroneously. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: FIRST FINANCIAL BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This issue has been going on for so long that I can no longer keep details straight. Late XXXX/early XX/XX/XXXXI moved funds from an external account to my FFB account in order to XXXX  out the balance and close the account ( due to moving XXXX miles away and being unable to reasonably bank with FFB any longer ). I was then communicated by FFB through their online messaging center that I just needed to send them a message and they would close my account. Weeks later, a bill was somehow taken out of the account because FFB did not close my account as promised, and I was charged a fee. I either paid the fee or it was waived, then I was told AGAIN that the account would be closed once XXXX out, which was done. It has been over 8 months and I continue to receive statements, harassing calls, telling me I owe them HUNDREDS of dollars in fees. This is beyond abusive at this stage and completely out of line. How can a bank get away with not closing an account when asked to, time and time again? I'd spoken to a branch manager about this at some point, raising frustrations, concerns, and sheer panic. I moved, I needed to end my relationship, there's no reason to abuse me by forcing me to maintain an account with them and charging me fee after fee after I XXXX the account out and asked them to close it out, as I was instructed to do. I'm completely at a loss at what to do and demand that all fees be cleared off of 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 2021-03-29
Company: Experian Information Solutions Inc.
State: IA
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 sent a dispute to Experian via certified mail on XX/XX/XXXX and after 45 days they had not begun the process. I sent another certified letter claiming they had failed to dispute within 30 days nd they then opened a dispute on XX/XX/XXXX which was over 90 days later. They took less than 2 weeks and had updated results on XX/XX/XXXX, XXXX, and XXXX. They did not correct anything in the report and I find it hard they completed an investigation in such short time. I then sent a letter requesting proof of investigation in XXXX via certified mail. They never sent any information but opened another dispute onXX/XX/XXXX. I submitted an identity theft report to go along with the dispute. Even with the copy of the identity theft report filed with the FTC they resolved the dispute in 2 weeks on the XXXX with no changes made to the errors on my report. Both XXXX  and XXXX  corrected the same errors the first time disputing and I feel that Experian is failing to follow the legal guidelines in investigating the errors on my report. I am in the process of buying a home and their inability to properly do their job is holding up my process.

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 2021-05-19
Company: EQUIFAX, INC.
State: MI
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 filed a dispute in regards to the, incorrect files on my credit report and it's well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I attempted to apply for a Social Security Administration ( SSA ) My Account on line. Part of the application involves questions about my credit history to authenticate my identity. I answered all of the questions with " None of the Above '' because none of the credit items applied to me. I was not allowed to continue my application because the Social Security Administration reported to me that I " failed '' the authentication questions. 

I obtained a copy of my Credit Report and it is accurate. None of the credit items that were included in the credit history authentication appear on my Credit Report so that when I answered " None of the Above, '' I should have been approved for a SSA My Account. 

I telephoned Experian, the company responsible for generating the credit history questions. The agent said there was nothing she could do to make the questions relevant to my actual credit history.

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 2021-07-06
Company: Bread Financial Holdings, Inc.
State: DE
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:
I have sent to this company, 3 times in 3 different ways to request a " Goodwill Adjustment ''. 
1. Sent to Alliance Data, CEO XXXX XXXX ( manages Comenity Bank 's data ) via email 2. Sent in " secure message '' on the XXXX XXXX website XXXX XXXX is serviced by Comenity Bank 3. Sent to XXXX XXXX XXXX, CEO of XXXX XXXX. 
4. Replied to XXXX XXXX, Compliance Dept at Alliance I believe - she responded to XXXX XXXX 's letter. 

There are 2 late markers on my credit report from Comenity bank XXXX XXXX. I have asked - no begged for a " goodwill adjustment '' to have them removed, bc it was really due to no fault of mine. It was a Postal service error that caused the lateness. They are are refusing to help me out. I'm not even sure they've really read my letters bc some of the responses make no sense in reply to my letters. I really shouldn't have to be punished for a Post Office mistake ( please see attached letter ( s ). The letters that are not uploaded are the ones that I sent in secure message on the XXXX XXXX website and to Alliance Data via email. With all that's happening in this world today I don't understand why they can't be a little more empathetic for ONLY 2 late markers. 

Btw. In 2014 I had 9 late markers due to divorce and household income decrease with XXXX XXXX much larger company ). I sent them the same request and they removed all nine late markers. Why is Comenity being so stubborn for just 2?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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:
With personal research of my own report and contact from different debt collectors the wrong name and addresses are being reported. According to 15 U.S.C 1681b ( a ) ( 3 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Experian Information Solutions Inc.
State: MA
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, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2018-09-22
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: Old information reappears or never goes away

Complaint:
XXXX  is reporting an old XXXX XXXX account on my file and it needs to be removed. It does not belong to me. Recently, I was mailed a letter from XXXX XXXX that got wet in my mailbox due to heavy rains in my area. It indicated due to the age of this account, it will no longer be reported and it has been removed. XXXX refuses to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: LEXISNEXIS
State: OH
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:
There are inquiries on my account that I did not I intitate. Someone have stolen my identity. These inquiries needs to be removed immediately. The FCRA requires all inquiries to be removed if the creditors and credit bureaus doesnt have proof. Not only the creditors, the bureaus as well. Please remove all inquiries that have no proof or I will sue you all for assisting in fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called XXXX XXXX XXXX ( ERC ) because they were on my credit report and I wanted to find out why. I spoke with a very nice collector by the name of XXXX. She explained that I had a debt from XXXX XXXX XXXX in the amount of {$410.00} that was owed from 2009. XXXX explained everything to me in a respectful manner. I asked her if there was a way to get this debt deleted from my credit report. I also asked about a settlement on the debt. XXXX placed me on hold and came back to the phone and said they could settle the account for {$110.00}. I asked about the credit reporting and if this debt could be deleted once the settlement amount of {$110.00} was paid. I explained that I wasn't sure how I owed XXXX XXXX XXXX if I was still a current customer with XXXX XXXX XXXX. XXXX put me on hold again and a guy came, XXXX XXXX, came back to the phone saying he was the supervisor. His tone was extremely aggressive and threatening. He made rude comments like, " We've been on the phone for 20 minutes already, are you going to do anything, because we're wasting time here '' He was very condescending as well. I asked for the address and it seem to bother Mr. XXXX. He said it very fast and when I asked him to repeat it, he said, " Let me say it very slow and spell it for you since you have issues. '' This was extremely insulting and I was deeply offended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: SIMM Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from SIMM associates about a XXXX account I had back in 2016. I just turned XXXX XX/XX/XXXX of this year and there is no way I had an account with them when i was XXXX XXXX XXXX. I also asked them to provide the last 4 digits of the individual social security number and they were not able to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: VA
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:
I consumer XXXX XXXX, received a consumer report from Equifax and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to Equifax more than 30 days ago and have not received any response. I am deeply distressed by Equifax 's noncompliance. XXXX is civilly liable pursuant to 15 USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: MA
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:
A company by the name of XXXX XXXX, XXXX, has contacted me on behalf of XXXX XXXX XXXX XXXX XXXX, who has purchased an account that Experian has listed, the letter states they are the current creditor, THERFORE PROOF, XXXX IS MO LONGER THE CREDITOR. 

IF XXXX XXXX REPORTS THIS ACCOUNT TO ALL THREE BUREAUS DO THEY STILL LEAVE IT AS IS OR REMOVE IT? SO THEN TECHNICALLY HOW CAN 2 companies report the same debt? 

Also, they are mailing me, emailing me weekly, its over the top and very unprofessional and harassment/bullying. I want them to stop Harassing me. I don't need a copy of my credit report mailed to me weekly, I have not requested it. They don't need to email me to confirm my email address when I give it freely, EXPERIAN EMAILED ME AND STATED THAT A COPY OF THE LETTER SENT TO ME TO PAY XXXX XXXX IS NOT SUFFICIENT AND THEY WILL NOT REMOVE THE XXXX ACCOUNT. ITS ALMOST COMICAL, THEIR EXTREME ARROGANCE.

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 2023-03-30
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i reached out to XXXX as well as lexisnexis and they told me that a woman i have never heardnof in my life put me in her XXXX XXXX bankruptcy this has caused me to be unable to get a home loan, business loans, car loans and much more. i demand this be removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 XXXX a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft, I have filed a police report and FTC Report, Identity theft Complaint and Affidavit for the account that appears on my credit report but doesn't belong to me : SANTANDER XXXX This account should be removed from my report immediately. 
I keep receiving phone calls from Collection, I have attached a copy of my phone screen that I have received phone call from SANTANDER even after I asked not calling me sand I have sent all supportive documents to proof my statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   Company Inquiries : 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 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 2020-05-23
Company: EQUIFAX, INC.
State: GA
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:
Equifax did not properly investigate my credit dispute. I sent them all the required documentation. The letter they sent to me states that the information was verified but they did not include the manner in which they verified the information, which I asked for in my dispute.

Company response to consumer: Closed with explanation