BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the collection debt as it was an outstanding hospital bill that I received no notification about. It was paid in full they still are reporting this debt as a collection item when there is nothing outstanding or owed for this account. Violation of HIPPA PHI regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: SC
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:
Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There also several inquiries that I did not run my credit 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 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 non-monetary relief
Consumer complaint received 2022-06-10
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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove.

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 2017-06-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.

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 2017-09-13
Company: EQUIFAX, 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:
In response to the equifax data breach, I have tried to initiate a fraud alert on my credit file. Not a single credit reporting agency website is functioning. In addition, you can not get through via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Was not notified of investigation status or results

Complaint:
Back on XXXX XXXX I sent letters to all three bureaus challenging information on my credit report that did not belong to me. I called each bureau in XXXX. I can remember the exact day and stated that it has been over 30 days and I haven't heard anything about my disputes. Each bureau told me that do to covid that they have XXXX to 60 days. Due to the holidays it slipped my mind that had still not heard anything back about my disputes. I seek out legal advise and was told that I should submit a complaint with the CFPB and that if this did not resolved issue. I explained to attorney that the stuff that was on my report was not stuff authorized or belonging to me and that I'm known victim of Identity theft. Everytime it's time for me to renew my permit in the field of work I do I have to jump through loops to prove who I am. I need the items I'm challenging remove asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit profile I noticed that I have several fraudulent accounts reporting on my credit profile.The following accounts below are fraudulent XXXX : XXXX XXXX Account number-XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX JXXXX - CARD SERVICE Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXXXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Transunion : XXXX Account XXXX Date openedXX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XX/XX/XXXX XXXX Account number XXXX Date openedSep XXXX, XXXX XX/XX/XXXX XXXX Account number XXXX Date openedXX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX CARD Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date XXXX XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XX/XX/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 2022-06-10
Company: Experian Information Solutions 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, has violated my rights. 

15USC 1681 Section 602 States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, MA XXXX. I went to the local TD bank to open my account but the bank says there is already an open account under my name and SSN number so they. They gave me this website to report fraud. My SSN XXXX. My phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
LexisNexis refuses to send me copies of my full consumer disclosure. They are repeatedly sending inaccurate information to the credit bureaus but upon my request for the file, LexisNexis has three times refused to send me a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove.

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 2017-10-26
Company: Caliber Home Loans, Inc.
State: WA
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:
Inaccurate information being reported to credit agencies. Reported that account is 120 plus days late. Account was in good standing, now is paid in full. Multiple calls get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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:
XXXX XXXX  is reporting a charged off account that they sold to a XXXX  XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to XXXX XXXX. I have disputed this item 4 times since XXXX XXXX  to XXXX, Experian, and XXXX stating this item from XXXX XXXX  is reported incorrectly and they will not update the account. XXXX XXXX  can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly!

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 2021-10-27
Company: Kashia Services
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Company provided with a verbal do not call request as well as cease and desist via email. A representative confirmed receipt of emailed notice. Notice given on XX/XX/XXXX demanding company to cease all verbal communication and communicate only via writing. Since that time I have received no further written communication. However, there have been several phone calls made on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: TX
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:
The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social security number. As well as the consent I gave them to report anything ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
This company is changing payment history on a account that is almost 10 years old. I called multiple times and spoke with numerous supervisors. None of them seem to understand the situation, which is very confusing to me. The account should be removed from my credit profile after 7 years. 



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 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 explanation
Consumer complaint received 2019-11-22
Company: Aldous & Associates, PLLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX has been using deceptive tactics to force me to pay for months of gym memberships after I have tried to canceled with them. 

While living in XXXX  XXXX XXXX for the summer I signed up for their initial monthly membership for {$15.00} a month. I paid for the first three months while I was going there. As I finished my internship in the city I spoke with the local gym staff and they assured me I could cancel online or over the phone. So when I moved back to my home town after my summer internship I called their member number and explained I needed to cancel my membership. 

Their phone representative said that the gym staff was mistaken and the only option I had was to visit the gym in person to cancel the membership. I explained I did not have the ability to fly back from the midwest to XXXX  XXXX to cancel a gym membership fee. I asked told him again to cancel my account. 

I have now been contacted by : Aldous and Associates, PLLC XXXX. XXXX XXXX XXXX, UT XXXX saying that I owe hundreds of dollars in fees and late assessments. 

I would have canceled the membership during my last day at the gym, but their staff told me I could handle it over the phone! Please Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX is reporting incomplete data on my credit report. The account type is missing and should be coded as a medical bill.

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 2017-09-12
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Equifax several times about inquiries and a XXXX account that is on my credit that do n't belong to me. They will remove the account and then put the accounts back on my credit. Clearly with the breach that Equifax had these are most likely a result of this cause XXXX Account act number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: PA
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, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX HAS NOT RESPONDED TO A CREDIT DISPUTE SUBMITTED TO EQUIFAX ON XX/XX/XXXX,, 2021 AGAINST XXXX XXXX. I HAVE PREVIOUSLY CONTESTED THIS INCORRECT DELINQUENCY REPORT WITH XXXX XXXX  DIRECTLY IN XX/XX/2021. XXXX XXXX  REFUSED TO CHANGE THE INCORRECT DELINQUENCY CITATION. I AM REQUESTING THAT EQUIFAX INVESTIGATE THIS AND CORRECT THEIR FALSE DELINQUENCY REPORT ON THE XXXX, 2021 LEASE PAYMENT A/C # XXXX. 
XXXX XXXX, XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions 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:
Experian continues to show my XXXX HELOC as an OPEN account even though it has been closed since 2016. Both XXXX and XXXX report it as closed in XX/XX/2016 as evidenced by my credit reports included with this complaint. XXXX shows this account on p. 10 of 37, and XXXX lists this account on pp. 97-100 of 163. Attached is a screenshot of me logged in online to the XXXX account where they show it closed. The Experian Credit Report shows this account on p. 11 of 49 as open. I have disputed it twice with Experian and each time they conclude it is open, even speaking to a " manager '' doesn't help. It's hard to believe that XXXX is providing conflicting information to Experian. Please note that an account DOES NOT need to have a zero balance to be considered closed, as is the case here. If you look at my credit report, you will see a number of accounts IN GOOD STANDING that have a closed status, balance due, and ongoing payments. That is the case with the XXXX acccount too. The HARM to myself and other consumers is that Experian shows this as an open revolving account. In addition to being closed, fundamentally it is NO LONGER a revolving account, since the loan is in the repayment period. As I make interest and PRINCIPAL payments, reducing my principal balance, I am NOT PERMITTED to borrow. A true revolving account is a line of credit ( secured such as a HELOC or unsecured such as a credit card ) where payment of outstanding principal replenishes credit available for future borrowing. ( I'm sure you understand that, but for emphasis as to what's wrong, I just wanted to state that fact in my case. ) First and foremost, it should be treated by Experian as CLOSED, not grouped with revolving accounts which distorts my credit utilization. At best, it should be listed as a closed installment loan by definition since I am making monthly payments until the balance is XXXX, like the closed lines of credit from XXXX also found on my report. Reporting HELOC 's where the Draw Period has closed as a REVOLVING account is an inaccuracy that GREATLY DAMAGES consumer credit scores, lowering scores by inflating credit utilization. Thank you in advance for your investigation of this. For background, I've been a financial planner for over two decades and I'm familiar with credit and good credit ; Experian shows my FICO 8 score today as XXXX. I'm sure it would be above 740 where the XXXX loan to be treated as closed, since credit utilization is not harmed by closed accounts.

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 2022-06-10
Company: Experian Information Solutions 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:
Ive spoken to XXXX many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes XXXX business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in XXXX business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. XXXX was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.

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