BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX and XXXX XXXX account # XXXX have 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. After pulling my credit report I also noticed that an item is not right. 
The XXXX XXXX  account needs to be removed because it's inaccurate and unverifiable : Account : XXXX XXXX  ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/2019 Balance : XXXX I have no knowledge of this account, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX, has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX Account # XXXX, XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After several low quotes for car financing, I decided to research my credit ( XXXX or something like that ) and saw that my information has been merged with that of my father. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX, same current address but obviously different date of birth and SS #. On the website I was able to see this and dispute it with XXXX reporter ( XXXX ) and not the other XXXX ( XXXX and Equifax ) due to failing the initial security questions which all used my father 's banking history. At present I have recieved some confirmation from Experian that negative information has been removed and have yet to make positive contact with XXXX & Equifax. Do I have to do this with every info provider? Will it update the other XXXX once I have done it on XXXX? Young married couple in desperate need of financing. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: MD
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:
Several of the accounts were closed with good stating. Several was included with a bankruptcy yet its still showing as open.

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 2022-04-20
Company: EQUIFAX, INC.
State: MD
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:
Several of the accounts were closed with good stating. Several was included with a bankruptcy yet its still showing as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I received the attached letter, acknowledging it would be the last contact I will be receiving. However, they are still calling me at least once sometimes twice per day on both my mobile and my home phone as recently as today XX/XX/2017.The letter attached specifically states " you will no longer be contacted regarding this debt, as such, this will be the last communication you receive from this office ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a hard inquiry on my credit report that I have not asked for-XXXX made on XX/XX/2015. It does not belong to me. Please investigate asap. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My payment has been at XXXX due to my salary range. This year my wife and I filed jointly and I submitted for my re-approval of the current plan it was on. I was denied and my payments were reconfigured ; however, when reconsidering my plan they do not take into account that my wife also has student loans. My wife and I both have federal and private student loans that cost us over {$1600.00} a month. I was told that if I was to file separately nothing would have changed. This does not seem to make sense to be punished by loan payments because I was open and honest about our current situation. The federal loan servicing should take into account my wife 's loans if they are going to count her salary. 

Additionally, I was also told that my loan payments would be back dated because I was approved for the loan forgiveness by someone in XX/XX/XXXX. I was just notified that it was incorrect. I was told that my payments should be back dated to the start of my date of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: APPLE RECOVERY, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I was contacted by phone at my work place on XXXX/XXXX/XX/XX/2015 by AppleRecovery attempting to collect on debt I do not owe. The call was very threatening in nature, and I was told this debt was not covered under my bankruptcy. They also sent a debt collection letter to my home address dated XXXX/XXXX/XX/XX/2015 trying to collect the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
It is disappointing seeing the Credit Bureaus do their best at nothing to correct my Credit file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXC XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXXXXXX XXXX XXXX XXXX Balance {$83.00}

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was reviewing my credit report and noticed the credit bureau is reporting incorrect info, it shows I have 2 late payments accounts which is incorrect. When I try to click to see accounts nothing shows up. I have NEVER been late on any of my 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 2016-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
No choice accurately describes my issue with Equifax. I received notice from XXXX ( through an initial fraud alert ) that my address had changed at Equifax. I tried to call them to get it changed back. A ) they are darned near impossible to get a hold of and B ) when you do actually get a human being, they quickly disconnect/hang up you. Also, if you want to initiate a fraud alert through their website, they charge you a fee which they are n't supposed to do. I was able to set up one through their automated telephone system but when it was supposed to transfer me to a live human being, it hung up on me instead. So basically, there is no way to contact Equifax to fix my credit reporting. Also, while you are on hold for 30+ minutes, EVERY 10 SECONDS they tell you to go to the website instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: IA
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: FL
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.

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 2016-12-02
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan servicer is reporting inaccurate information on my most recent credit report and is unresponsive when I seek to resolve the error. This has led to an artificially lower credit score which effects many other facets of my/our financial well-being. 

The loan servicer is Seterus Inc. based out of XXXX, Oregon

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2015 Equifax removed XXXX from my report on XXXX XXXX, 2015 it was added back to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Pressured sales tactics with affiliated Car dealer with Credit acceptance, harassing phone calls had to change phone # .I requested proof of original documents of alleged signature signing and terms, I never received the documents or proof of car insurance or accurate proof of residence, no proof of proper interest rates and original documents that I requested in filing this complaint.I wasn't given an option not to receive harassing calls before this complaint, I was not given the option to switch vehicles when vehicle problems were addressed a day after purchase which lead to the vehicle breaking down in 2018, I demand History Removal from all three Credit Bureaus with inaccurate information unless there are proven alleged acts, I request a 1099-C for permanent removal of Credit acceptance from all 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 2016-03-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hello thank you for taking time to review this letter about credit reporting agency. Equifax I pulled my credit to discover a XXXX, XXXX, XXXX score with Equifax , due to hospital bills that should have been processed and paid by the XXXX insurance. This has been reporting error ever month making my credit score delinquent. There is a fee of XXXX and XXXX that should have been processed by the secondary. this was never sent in by the provider until XXXX XXXX. This has been reporting delinquent for sometime. XXXX account for {$100.00} since XX/XX/XXXX that should have never been reported in the first place. please see previously recoded report # XXXX I contacted the vendor XXXX with no success. I am requesting your help with Equifax to report the correct information as well as requesting all of the points that were taken from me in error. 
any assistance that you can provide would be greatly appreciated. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed XXXX tradelines with Equifax knowing that they both contained various pieces of incorrect information. The only way that the information could be " verified '' would be if the creditor or reporting agency fabricated/falsified information. I requested the manner of verification used and for the proof/information received, which was not included. Multiple FCRA, Texas Finance Code, and Texas Business and Commerce Code violations that continue to go unheeded. I do have proof and documentation that the information reported is incorrect, but I will not furnish it to the reporting agency to use against me ; rather I have given it to my attorney on retainer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now from XXXX XXXX XXXX and they have denied me multiple times. And recently XXXX XXXX XXXX transferred my loan to Seterus. I told Seterus I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of XXXX payments. I told them I can not afford that and I asked them to apply me for a loan modification. Seterus sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the Seterus loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me because I 'm not eligible for this program. 
At this point I applied for the Making Home Affordable Program and faxed over a full packet to Seterus. After some time I get a letter in the mail that I do not qualify for this program either. 

I recently faxed over the Making Home Affordable full packet to Seterus again in hopes for an appeal for a loan modification. How can I not be approved for " ANY '' modification? Even the government XXXX. I feel I and my family are in a very tight spot with Seterus and we do not know what else to do. I can make monthly payments for this loan of around {$1100.00} for the loan, insurance and taxes. That is an amount I can afford. Please help me to get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: GA
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.

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 15 U.S.C 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 -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 2022-04-20
Company: Experian Information Solutions Inc.
State: NJ
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 message is not an error. By law I am a consumer and my information was misused and due to that matter I have Inaccurate account on 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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15 usc 1681 section 602 B states that I have the right for privacy 15 usc 1681 section 2 I also state the consumer agency can not furnish your account without my written um instructions XXXX XXXX XXXX Acct number XXXX XXXX XXXX XXXX Acct number XXXX XXXX XXXX  Acct number XXXX XXXX XXXX  Acct number XXXX XXXX XXXX  Acct number XXXX XXXX XXXX XXXX XXXX Account number XXXX Inquiries XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021

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 2015-08-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows XXXX filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX.

Company response to consumer: Closed with explanation