BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent several requests to XXXX, Transunion and XXXX  for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

XXXX  has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

XXXX  - XXXX XXXX XXXX my name is XXXX XXXX XXXX Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX my name is spelled XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-09-17
Company: EQUIFAX, INC.
State: LA
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:
I XXXX XXXX XXXX, recently discovered some unauthorized inquiries i did not consent, authorize nor benefit from and the consumer reporting agency know as Equifax still published this information onto my consumer report. Under 15 USC 1681b- Permissible purposes of consumer reports, In General, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I did not give Equifax any written consent to furnish these alleged inquiries onto my consumer report, no consent is identity theft. I've attached a copy of my identity theft report with the inquiries listed on it. I need the following inquiries blocked and removed. 

1. XXXX XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX- XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. EQUIFAX MORTGAGE SOL- XX/XX/XXXX 19. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: VA
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'm in the middle of a mortgage application and need to have a settlement on a property soon and my lender is not able to pull my Equifax report. I have called Equifax and they said there are no freeze or lock or fraud alerts on my report now. I have had problems with Equifax for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I just went to TJ Maxx n while I was checking out the lady asked me if I wanted to save 10 % withe the TJ Maxx Rewards Card. I said sure because it was referred to and marketed as a rewards card. I have zero credit cards and I dont want one or need one. She gave me a receipt n told me to call this XXXX phone number when I got home. I just called the number and some chic with synchrony financail answered. I asked her if this was a credit application. She said yes. I told her I had no idea I thought it was a rewards card like at the grocery store. She said no. I asked to speak with a supervisor and I was disconnected.

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 2019-06-17
Company: SELECT PORTFOLIO SERVICING, 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 status incorrect

Complaint:
I entered into a payment arrangement and contract with Select Portfolio Servicing in the beginning of XXXX and have made the payments on time, however SPS has been reporting my payments as delinquent and that is an error. The arrangement was to lower the monthly payment temporarily and SPS agreed to this, but reported to the credit bureaus in error and did not report to the credit bureaus accurately reflecting this change. The payment plan we have in place has been paid on time and the loan is being reported as delinquent when it is in fact current with our existing agreement and has been. All letters I have asked for verifying this have come without company letter head and also state the original monthly payment amount which is not relative to our payment agreement or my on time payments which are NOT delinquent as erroneously reported. Your letters say that I am past due, however the payment plan was paid as agreed and that is misleading information. The letter also does not reflect the on time payments for six month unemployment plan. I have never missed a payment as agreed with your company and yet you are still reporting me as delinquent. All payments under the new agreement have been made as agreed and SPS is not reporting the loan unfairly and unethically to the credit bureaus as delinquent which reflects as if I am not paying the loan at all, which is not true because I am current with our agreement. A new agreement was made to defer payments on XX/XX/XXXX and it is still being reported as delinquent. It is not fair to report the payments as delinquent when the payment plan is paid as agreed. My credit score has went from the 600s to the 400s because SPS is reporting the monthly payments as delinquent and that is FALSE. The monthly payments are current according to our agreement and I would like SPS to current the false reporting and backdate the delinquent payments as current according to our plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants also known as XXXX has placed a collection on all three of my credit reports. They first sent me to a collection agency for the amount of {$240.00}. I responded with a letter and a copy of my receipt proving termination of services on XX/XX/XXXX. They continued to sell this so called debt to numerous collection agency 's and I  continued to mail my letter and receipt. After two years it is now on my credit reports. I mailed my receipt and letter to credit bureaus they did nothing. XXXX continued to bill me for cable services after I personally returned equipment and terminated services and have a RECEIPT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
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: Account information incorrect

Complaint:
XXXX  XXXX XXXX and XXXX XXXX are reporting debts I do not owe. I have not been to the doctor 's since the 1990 's, these debts are not mine. Furthermore XXXX XXXX XXXX is past the statute. The account # 's are XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX. I do not owe these debts and they are not mine.

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 2021-09-17
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to 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 2021-08-06
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: Information belongs to someone else

Complaint:
Include personal statement : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
XXXX XXXX lease was At the end of my lease of 39 months. I called and extended my lease for 6 months and was told me it was month to month and i can turn it in any time and pay for keep making payments as i go along. Well 3 months later my wife and i decided to cut our cost so called and asked for end of lease inspection and since i made payment for following month i asked them to to hold that payment for lease turn in fees. So after run around to get lease inspection took them two weeks due third party company over booked. After calling and keeping them updated about the inspection and making sure my payment will go towards the turn in fee and not another month of payment. They confirmed me that information couple times that will once finale bill is posted and will take a month. Got my last bill shows i owe {$350.00} for lease end fee. So I called told them i have paid them {$500.00} for month that I did n't have the car was turned was told by their staff that it will go towards my lease turn in bill they claimed they did n't have any notes of such. My lease was on month to month and they took my payment even when my car was turned in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 5th dispute letters to Equifax, since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Experian Information Solutions Inc.
State: IL
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:
this is what is reported on my credit report by Experian : US BKPT CT IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Reference XXXX I have supplied Experian with information directly from the courts in writing that they have not and do not verify court records. They also have failed to report and furnish accurate information such as the court name and reference number. 

Attached you will find a letter from the United States Bankruptcy Court, XXXX Division. I have no knowledge of who the " US BKPT CT IL XXXX " is, nor have I received any correspondences from such a business or division. I also have no knowledge of the case number referenced above ( XXXX ). I have asked Experian through multiple channels not limited to the themselves, the CFPB, and the Attorney General to provide the furnisher of this information. They have yet to respond with where this information is obtained. Per FCRA 611 they are required to provide the name, number, and location of the furnisher of this information. They have failed to do this on numerous occasions as well have failed to provide accurate information. I'm asking for this item to be removed from my credit report as it is not reflecting accurately.

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 2022-08-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I sent a letter to Equifax about an XXXX XXXX credit card on my credit report reporting with late payments. I asked Equifax in this letter to re-investigate these late payments as those are errors. 

I have included the letter I sent them on XX/XX/XXXX. Equifax responded on XX/XX/XXXX updating personal information only. I never asked them to update them personal information and instead asked them to investigate why there were late payments on this XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX, I applied for a refinance of my home loan. The finance company told me that in order to close my loan I had to pay a charge off on a credit card with XXXX XXXX XXXX who is now known as XXXX. I reached out to Equifax to report the error on my file and I made numerous attempts to resolve with XXXX by phone and email. When I send the email I am advised to speak to a representative, when I speak to a representative they tell me that can not research it because I do not have the card number. They can not find anything under my name or SS # on their files relating to a credit card. So I did some research myself and found that the CC that is being reported under my name as an authorized user, is my daughters account. However the card on her credit file with the same opening and closing date of the card is showing paid as agreed and paid in full in 2015. But on my credit report it is showing as a charge off. I have provided XXXX all the supporting documents and they still contend that unless I can provide them the card number they can not help me. I cant provide them a card number because I didn't have a card, she just placed me as an authorized user without my knowledge and consent as an emergency. She paid the account off in 2015 and does not have anything that shows the card number. I always thought that if the lender can not find a record for derogatory information then they were obligated to remove the line. Seeing as they can not find anything under my name or SS # I would think this would be a no brainer. However I am into my 3rd week of dealing with them and am still in the same spot I was in at the beginning, no one is willing to resolve this or prove that I entered into a card agreement with their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Three disputes were submitted to XXXX  and before they could even re-investigate the disputes that have been disputed before, they come back within an hour and said the information on these particular items are accurate and up to date. NO IT ISN'T!!! The two companies in particular, XXXX XXXX XXXX XXXX and a regular XXXX XXXX are lying on the credit report. When this company was contacted, they couldn't give me any information on these accounts but for some reason, they are giving false information to XXXX as well as XXXX and Transunion. This is pure fraud XXXX XXXX is committing and XXXX rushed to judgment and is deciding to believe the company instead of really digging into the information. According to an attorney that I spoke to, XXXX XXXX XXXX XXXX and the regular XXXX XXXX account should be removed once and for all. These three credit bureaus have until the end of XX/XX/2018 to get these particular items removed or I will have this particular attorney contact them.

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 2017-11-18
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: Was not notified of investigation status or results

Complaint:
I register my personal information with Equifax on XX/XX/17 at the time service was free at no charge to register. Equifax services guarantee customers a 30 day period to work the case and present some type of updates to customers if its by phone or email now its been more than 30 days and no udates nor touch basic has been made with me. Now my membership does n't exist with Equifax anymore membership is being denied when attempting to login. Equifax services is redirecting me to a different site call trusted ID wich i have to pay for there services was never mentioned by Equifax on the day i presented my information to Equifax. After waiting 30 days im very disappointed because my privacy is out there

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: DISCOVER BANK
State: MD
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:
In XXXX, Discover Financial Services made 18 inquiries about my credit within a 7 month period. Some of these inquiries occurred 3 and 4 times in one month. Below are the specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

To my recollection I didn't have a Discover account during this time-frame nor did I owe them any money from a previous debt. The only account remotely related to Discover was a XXXXXXXX XXXX XXXXXXXX card that was paid off in XXXX of XXXX. 

According to my rights on this same credit report it states that " Access to my file is limited ''. 18 inquiries within a 7 month period is limited?? I have to pull a more recent credit report to see if these actions are still taking place and if they are than I may be forced to seek legal action as this adversely affects my credit report and have recently had issues obtaining credit for major purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: Allegiant Capital Recovery LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX the consumer and natural person am seeking remedy from Allegiant Capital Recovery. They are in violation of Federal Law they violated FDCPA Laws, On XX/XX/2021 at XXXX I received a text message from Allegiant Capital Recovery which is a violation of the FDCPA. They did not have prior consent to contact I XXXX XXXX the consumer, natural person which violates 15 USC 1692c ( a ) It was an extremely inconvenient time when I received this text. That violates 15 USC 1692c ( a ) ( 1 ) The message in Exhibit A states if you pay you balance today! 
The us of! was The use of obscene or profane language which is to abuse to me the reader 15 USC 1692d ( 2 ) The message in Exhibit A states We are offering you a 50 % reduction Which indicates The advertisement for sale of any debt to coerce payment of the debt. Violation of 15 USC 1692d ( 4 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$10000.00} Please investigate this matter and help me from further harassment. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation