BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: CMRE Financial Services, 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: Old information reappears or never goes away

Complaint:
In XXXX of XXXX, I was placed on collections by CMRE financial for a payment of {$220.00}. I had not received the bill in the mail, nor did I get any phone calls/emails regarding this payment, which was due. This is not a recurring credit card, and the charge is related to Home owners association in the condo I live in. Often times, mail gets misplaced, which is likely the reason why I did not see this payment until it was too late. I have since then, paid the statement in full, and have not missed any payments since then. I am currently in the process of financing a home, and this old collection is still on my record and is affecting my ability to move forward with the transaction. The rest of my credit report is essentially flawless. I would greatly appreciate if I could be re-scored so that the appropriate credit score can be shown to the lenders. Please help me remove this from my record. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, 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 have repeatedly attempted to dispute items with Equifax that do not belong to me : XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX Equifax often ignores the dispute, not responding waiting the required 30 days. 
Other times, they are unable to verify the items, yet fail to delete them. 

These items do not belong to me. The FCRA requires removal if they are not mine and can not be verified. XXXX  has failed to provide any documentation of these items, has failed to verify them, had failed to respond to me, and has violated the FCRA on many occasions. 

They are required by law to delete these items immediately, since they have failed to do so within the timeframe prescribed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
With the XXXX leak, have tried to put freezes on all my credit checks with the three agencies ( I will not go into how ridiculous this all is and how it is inconceivable that this happened, and they waited so long to let us know, and I had to wait until today to sign up with XXXX and have to wait an unspecified amount of time for an email to come from XXXX to finish the process with them. ) Went to Transunions site from a search engine, ( Security Freeze - Transunion ). The link ( https : //freeze.transunion.com/XXXX ) gives an unavailable message and photo. Hopefully I will be able to attach a screenshot. 

This one, for one of their products TrueIdentity and with a bunch of caveats, works. ( https : //www.transunion.comXXXX ) I find all of this unacceptable and a disservice to the American people who rely, unfortunately and without any permission or acknowledgment, on these services.

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 2018-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear Sir, It has been communicated to Trans Union that my Name to be mentioned correctly as per the social, DOB and various identification, there is no dot or punctuation marks in the names, and respective credit bureaus responded me back with written response that name is printed correctly. Trans Union did not address this concern, which was raised in my complaint and also communicated to trans union multiple times. I also ran the credit report on XX/XX/XXXX and still appearing the dot/punctuation mark after my middle initial, which needs to be corrected to avoid fraudulent activities and identification theft issues. Could you kindly direct TU to remove the false address with wrong street and apartment number in the credit report generated on XX/XX/XXXX. I sincerely request Consumer Finance Bureau to refer complaint to federal officer as TU has kept on reporting false details in my report even though Consumer Finance Bureau directed Trans Union to correct my personal details [ Attached the report generated on 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 2022-06-14
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: Report provided to employer without your written authorization

Complaint:
This letter is in reaction to your recent allegation that the bellow items have been verified the accuracy of the account they are reporting under my name. Please be reminded that you will be required to give a description of the technique used to determine the correctness and completeness of these information immediately upon receipt of this letters. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
XXXX acct # XXXX case # XXXX spoke with XXXX from Fraud Dept I was guaranteed that it would be deleted from my credit file the end part of XXXX XXXX due to fraud and they would issue me a deletion letter .This acct was never mine from the begging and I told them this years ago which they told me it was once removed, which they were not telling me the truth.I found out it was still appearing on my credit file.It needs to be removed by Bank of America XXXX XXXX XXXX XXXX XXXX Tx 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 2017-09-13
Company: EQUIFAX, INC.
State: KY
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 want answers to the Equifax breach. Please make this a top priority!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following late payments are billing errors pursuant to 15 USC 1666b

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: 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:
In light of misuse or fraudulent access, a.k.a. breach of security, I request a new rule for credit bureaus, requiring XXXX XXXX. 

Some private companies implement XXXX XXXX on private systems in order to contract with the Federal Government. Why not US Credit Bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
My XXXX car loan was late by 3 weeks. On the XXXX of XXXX they called me about the bill and while on the phone I explained to them I would have the money that Friday night, and could I pay it online. They said yes, absolutely. That Friday night when I went to make the payment, which was still under the 30 day mark by 4 days, I got pop-up message saying one-time payments had been disable for my account and to call the number. I called the number and tried to do an automated payment by phone, but was told by the recording I wasn't able to. And because of the holiday weekend they were not available to take a payment till the following Tuesday. That Monday was the 30th day. I had the money and was willing to ay them, they told me, yes, I would be able to online, and that was a lie. That Tuesday they told me that it was because I missed two automatic withdrawals on the day they came out. They weren't late, but the funds weren't there till a day or so after. Anyway, this is their sort of punishment, they lock people out without telling them, refuse any form of payment except a debit card, and it can only be with a live person for a {$7.00} fee. For 90 days. They failed to tell me all of this when I asked about making that payment, and were more than happy to take my payment that Tuesday and give me a 30-day late notice on my brand new car. My XXXX XXXX had been XXXX, but thanks to them it dropped XXXX points. I realize I was late to begin with, but if they're going to say I CAN make the payment when it's clearly a lie, I feel like that was deceptive, and spiteful, and putting a 30 day late notice on my credit report the very day I was able to pay is just wrong. Also, in the attached screen shot it appears to show up twice on my credit report for one late payment. It looks like two different branches of Hyundai are reporting the same missed payment.

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 2019-10-15
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The amount is XXXX This company calls my work phone daily very rude and harassing me.This company has threatened me to take me to court and again garnish my wages. This daily harassment has caused an increase in my anxiety at which I am now taking medications to help me to manage the symptoms of anxiety. 

They have also hit my credit report over and over. Very rude people

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've disputed info several times, sent documentation and I am tired! Why do we allow these creditors to do this with no actions back ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: AL
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. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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 the written instructions of the consumer to whom it relates.

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

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 2022-08-05
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX with Acct # XXXX ( XXXX XXXX XXXX ) has been reporting on my Equifax report for several years now, which I have been challenging since discovering the account on my Equifax credit file. That said, it has come to my attention that Equifax is not properly investigating the legitimacy of the data reporting. In XX/XX/2022, I disputed credit acceptance with Equifax, and they then sent a letter dated XX/XX/XXXX asking for documentation to support my claim. It would have taken 7 to 10 business days from the date of the letter sent to me via mail. On XX/XX/2022, I responded with supporting documents. 

By XX/XX/2022, Equifax sent a notice to my home address stating the dispute had been closed, and without the supporting documents, Equifax requested that support my complaint. I contacted the agency on XX/XX/2022, to confirm receipt of supporting documents ; Equifax claims to have received them. When I asked the Equifax representative to help me understand how they are investigating the account, I did not get an answer at all and then put it on hold for so long that I had to call back into the agency to speak with another rep only to find out that the previous representative filed a dispute without my consent and without the support document that the dispute should have been filed with. 

PS. I had attached a supporting document from Equifax showing the timeframe from when the dispute was opened in XX/XX/2022 and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: SC
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:
Im accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX has violated my rights. 

Dept Of EdXXXX XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

U.SDepartment of education XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can not furnish an account without my written permission.

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 2020-11-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
THIS IS NOT A DUPLICATE. Experian has failed to address that they had 30 days per the Fair Trade Credit Reporting Act to investigate this claim and DID NOT do so in the allotted 30 days. 

30 DAYS, NOT 31, NOT INVESTIGATE AFYER THE 30 DAYS, NOT WAIT FOR THE VENDOR 'S RESPONSE AFTER THE 30 DAYS. 

They received certified mail documenting the time frame and they blew it! XXXX  has already deleted this item BASED ON THE EXACT SAME INFORMATION setting a precedent should I have to sue Experian.

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 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I have tried numerous times to get my free credit report from XXXX XXXX XXXX. It keeps looping and giving errors so that I can not obtain my credit report.

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 2022-06-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I had sent you a certified mail in XX/XX/2022 regarding negative information on my credit report. You had many days to answer my dispute and I have not received any answer. Because of this, you must remove these account that I disputed earlier but you failed to removed accounts that are unverifiable I told you they are not attached to any address of mine so how are these accounts still can be seen here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. State 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 instruction.

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 2017-10-06
Company: CITIZENS FINANCIAL GROUP, 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 status incorrect

Complaint:
Citizens bank is reporting my loan XXXX days past due but my next payment due on their website is XXXX/XXXX/XXXX. My payments are current.

Company response to consumer: Closed with explanation