BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-20
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who I C Systems, Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I C Systems, Inc is indicating that an account with the account number XXXX  was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I C Systems, Inc as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ I C Systems, Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to I C Systems, Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2022-05-03
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have a hard inquiry on my consumer report that should not be there. XXXX XXXX ( XX/XX/2022 ).

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts 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 2019-07-20
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Summary : U.S. Bank refuses to transfer the appraisal ( which I paid for ) on my home to XXXX, forcing me to purchase another home appraisal to work with XXXX. 

Other institutions have the practice of transferring your appraisal, but because U.S. Bank refuses to do so due to company policy. Their company policy on home appraisal transfers is anti-consumer. 

XX/XX/2019 I applied for a mortgage with U.S. Bank to refinance my home and receive an offer. 

XX/XX/2019 I take time off work to be home for House Appraiser appointment. 

XX/XX/2019 I receive the PDF summary of my home appraisalXX/XX/2019 I get a better offer for a mortgage from Loan Depot and confirm that they can use my home appraisal, provided that U.S. Bank transfers the appraisal to them. 

XX/XX/2019 I cancel the mortgage offer with U.S. Bank and am charged about {$930.00} in fees ( which include the cost of the appraisal ) XX/XX/2019 I try to get U.S. Bank to transfer my home appraisal to XXXX but they state that they do not transfer appraisals due to company policy.

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 2017-10-20
Company: Monterey Financial Services LLC
State: ID
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 took took a medical loan through Monterey Financial Services ( MFS ) approximately in XXXX of XXXX. The total loan was for {$2200.00}. The payments that I can currently prove I made to XXXX {$1900.00}. 

XXXX is illegally reporting my loan information. XXXX has XXXX entry on my credit report stating that my last last payment made on the account was XXXX/XXXX/XXXX. I made the following payments after XXXX : Date Amount Transaction Description XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$600.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$120.00} XXXX XXXX XXXX CA *I believe I made XXXX additional payments between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, but waiting for credit card statements. 

XXXX illegally added a second untrue, derogatory entry to my report stating that I have an additional collection account with a past due amount of {$4200.00}. XXXX further stated that I was placed in collections on XXXX/XXXX/XXXX due to non payment. 

Both of the entries XXXX made on my credit report are inaccurate and fraudulent. I have tried to fix this issue with XXXX over the phone, in writing and most recently through XXXX, with no resolution. 

As a result of XXXX fraudulent entries on my credit report, I was denied a job working at XXXX Technology that required XXXX XXXX XXXX. I will be able to obtain an Affidavit from the hiring XXXX, where she specifically called out XXXX ' derogatory entries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Atlanticus Services Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, Atlanticus Services on XXXX/XXXX/XXXX and so on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
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 information incorrect

Complaint:
XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from navient. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL NAVIENT ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED T

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 2019-07-20
Company: EQUIFAX, INC.
State: MN
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:
My information was compromised during the equifax breach. I receive hundreds of calls a week from Robo callers, credit line inquiries for loans that Ive never applied for. 

My information was compromised and Equifax didnt properly alert me in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian, XXXX,, XXXX Remove and Delete I call and show proof This is a request to remove the following inquiries that were made without my expressed permission. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 

Under the FCRA, the burden of proof lies on Experian you are the one allowing fraudulent information to report on my credit report. 
I have included my contact information and proof of my identity. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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  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 2017-10-19
Company: Experian Information Solutions Inc.
State: AZ
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:
Have tried to work with Experian, XXXX and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX Financial car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and Experian, XXXX  and XXXX and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!

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 2022-05-03
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Commedity Bank calling excessively past 2 weeks. as a result of identity theft. Another individual fruadently used my information to obtain a XXXX XXXX XXXX, XXXX, and XXXX, confirmed with companies already

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from XXXX. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL XXXX ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-90, XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/EF Late Dates : XX/XX/XXXX-90, XX/XX/XXXX-120, XX/XX/XXXX-90 PAYMENT DEFERRED ; COLLATERAL : DEFERRED T

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
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 information incorrect

Complaint:
XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from XXXX. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL XXXX  ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX {$1100.00} 120 {$0.00} {$0.00} 68 0 0 2 I1 XXXX/TU/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1000.00} 066 {$0.00} {$0.00} 46 0 0 3 I1 XXXX/TU/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX {$1100.00} 120 {$0.00} {$0.00} 68 0 0 2 I1 XXXX/TU/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1000.00} 066 {$0.00} {$0.00} 46 0 0 3 I1 XXXX/TU/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED T

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 2019-07-20
Company: EQUIFAX, INC.
State: DC
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 re XX/XX/2017 equifax breach. 

I understand a settlement on behalf of consumers is imminent Equifax notified me that my data had been compromised shortly after the XX/XX/2017 event ; once it was compelled to do so. I avoided their veiled self-indemnifying deal until the Feds had compelled them again NOT to make consumer response a consumer-harming event. When that happened, I felt sufficiently protected, and ordered access to my Cr data frozen.

I was NEVER subsequently notified of any class action for the actual & potential harm caused. I was NEVER notified of an opportunity to opt out of the class.

I WANT NO PART OF THIS SETTLEMENT IF IT ABSOLVES EQUIFAX FOR HARM THAT I MAY SUFFER AT ANY TIME DUE TO THEIR GROSS NEGLIGENCE. I DO NOT FEEL I SHOULD HAVE TO SPEND THE REST OF MY LIFE FREEZING & UNFREEZING MY CREDIT WHEN I NEED TO TRANSACT.

WHO SHOULD HAVE TO PAY FOR THAT FUTURE EXPENSE & INCONVENIENCE? EQUIFAX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: AZ
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:
Have tried to work with XXXX, Equifax and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX XXXX car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and XXXX, XXXX and Equifax and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
THE CAR A XXXX XXXX XXXX SHOWS : 1. A LATE PAYMENT FOR XXXX XXXX BUT WAS PAID OFF BY XXXX XXXX AND I PURCHASED ANOTHER CAR. 

2. MY CREDIT REPORT DOES NOT ACCURATELY REFLECT THE AGE OF CREDIT. 
I PURCHASED THIS VEHICLE IN 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