BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
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: Problem with personal statement of dispute

Complaint:
Hello, My name is XXXX XXXX XXXX ; I am a XXXX year old female from XXXX, New Jersey. Experian needs to be held accountable for inaccurate reporting. They have been decreasing my credit score for absolutely no reason. There are no new bills, debts, or delinquencies on my account. I have a student loan and two credit cards which never have a balance ( these are not new accounts ). I am currently in XXXX XXXX and my loan is deferred until I graduate. I dont have a mortgage or an auto loan because I own my home and car outright. XXXX  and XXXX  have my score reported XXXX, this is a fair score and reflects my credit history. However, with Experian I was sitting at XXXX and it decreased 23 points this morning to XXXX. This cycle of large decreases has occurred before and no explanation is given, however the other credit bureaus only ever increase or remain unchanged. Experian has the same exact credit history as the other bureaus, and reports almost 100 points less. This violates the FCRA because it is clearly inaccurate reporting. When I want to begin my XXXX XXXX I am going to have trouble with lending due to this 100 point discrepancy that Experian has. I have contacted Experian about this at least three times, and each time they basically say oh well and do nothing. My husband experiences the same exact problem and has approximately a 70 point discrepancy as well ( from XXXX to XXXX ). Anecdotally, I have asked many of my friends how their scores vary between the credit bureaus and they mention similar problems. I would like to bring on a class action lawsuit in the near future. 

They also have this Experian Boost program where you connect certain bills to your credit account which I do not want to do. Now, because they want consumers to use Experian Boost they may be making scores artificially low in order to prompt people to share their private information ( allegedly ). This teeters on the line of extortion and certainly is not legal.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent a letter to transunion via certified mail in which they have received about fraudulent inquiries on my account. Til this day transunion havent updated nor removed the information. Ill attach letter for further review. And if updated Id like to know the people in whom transunion spoke with specifically to verify these inaccuracies. If not I will be taking legal action.

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 2016-01-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Items attached : Equifax sent a response, but it was ignorant, to the situation, because I already knew it was paid off. I wrote th check. My complaint is that the bank charged off an account that they kept receiving money on through the whole process. That That is against South Carolina state law, because that is considered a willingness to negotiate contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Attached/enclosed is proof that Equifax is reporting XXXX items that are ten ( 10 ) years and six, ( 6 ) months old. Equifax has, on several occasions, failed to remove these XXXX XXXX XXXX XXXX accounts from my credit report. Equifax 's own report shows these accounts were closed XXXX and they still remain on my report. These accounts have been removed from ALL other Credit Reporting Bureaus. Proof that Equifax is reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX Mortgage Company claimed I was late on a payment XXXX XXXX, 2014 while in was in an active Chapter XXXX Bankruptcy. This should not have been reported then while I was protected. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have the final payment amount for my 30 yr mortgage and the lien holder is demanding that I pay this amount via XXXX money order to a special account. Otherwise they will charge daily interest on any amount not received by the normal mortgage payment date. 
I do not understand how they can change the rules on the final amount rather than accept the payment via routine authorized account withdraw as we have for the duration of the loan. This sounds like a trap to squeeze more money out of us. This loan was sold to Seterus who have hounded us ever since. 
Resolution requested is to have them accept the final payment via the routine account withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent out multiple letters requesting this debt to be validated by the creditor and the bureaus and no one has sent me anything! I have never owed XXXX anything as far as an unpaid balance. This needs to be fixed right away

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 2016-07-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Well, It 's 8 months ( and counting ) and nothing has changed at EquiFax. Now, you can talk with people ( mostly at call centers outside the US who are hard to understand because they have heavy accents ) who will only be able to enter a dispute into the same system and then give you a confirmation number ( same as before ). I have been fighting for 8 months to have my closed charge-off secured Home Equity Line of Credit Mortgage account info corrected within the EquiFax Credit File Dispute system. It has wrongly been reported as " Included in Bankruptcy '' and " Discharged through Bankruptcy '' when actually it was settled for less than full balance by the Lender before the bankruptcy was even filed. Someone at EquiFax must have " Transcribed '' the data incorrectly when received and re-entered into their copy of my credit file. Lender confirmed that EquiFax XXXX, since XXXX and XXXX have it correctly reported. EquiFax has been sent documented proof from me as well as the lender. EquiFax now wants me to have the US Bankruptcy court force them to change it by sending them some secret alert that will appear on their system. Otherwise, they say that they have no authority to correct their own mistakes ( But I guess they feel they have the authority to make mistakes and corrupt people 's credit files ). They are truly a shoddy shyster company still operating under the laws of the wild wild west back in XX/XX/XXXX when they started.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX account is showing late payments on my account from XXXX - XXXX XXXX. This account was charged-off initially and then I Paid it in Full. The account was charge off in XXXX and I 'm not certain why they are showing late payments in XXXX. I also had made settlement arrangements with them for this account, which I paid. As per the settlement agreement they were to notify the credit bureaus that this account has been paid-in-full and have the charge off and late payment status removed from your credit file. I sent a copy of this letter to the XXXX credit bureaus along with proof of settlement payment, etc. The credit bureaus DID NOT UPDATE MY ACCOUNT properly. I 'm in the process of trying to purchase a house and I need to have all my credit information reported correctly. First, the late payments are incorrect, Second, per my settlement agreement the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX ( XXXX ) XXXX Called from multiple numbers including unknown numbers back to back and told me they can call up to 8x in a day using 8 different numbers. This is harassment and deceptive using unknown and multiple numbers to trick the debtor. I cant get ahead with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from all 3 credit bureaus that a collection was added from Diversified Consultants XX/XX/2017. The amount is for {$940.00}. I have never heard of this company and I have n't received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit reports. I demand this account be removed from all 3 of my credit reports immediately and be given the opportunity to dispute this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: DC
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 have contacted CFPB a number of times.Regarding inaccurate information being reported to all 3 Credit Bureaus ( XXXX, XXXX, Experian ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Kehoe Financial Group, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company - Kehoe Financial Group - is looking for somebody named XXXX XXXX. I am not XXXX nor have I ever known him. They called me from various numbers ( the last being XXXX ) and continued asking for him. Each time, I would tell them they have the wrong number and to stop calling me. On Friday XXXX XXXX 2017, I received a call from this company at XXXX PST lasting 6 second before it was disconnected. I received an immediate call back from their rep who was a man who was SURE he was right. He said I hung up on him and that was rude. At this point, this company had been calling me for quite a few weeks. I yelled at him, hung up, and called their corporate number. Once I called their corporate number, I was told that my outburst was recorded and they did n't tolerate that behavior. First of all, they never stated that my calls were being recorded prior to me calling their management. This is a breach of my privacy. Secondly - and most important - I 'm not actually the guy they 're looking for. The manager then told me that my number is listed in their system as 'wrong number ' yet they still continued to call. Her tune changed from being incredibly rude to realizing that she was just belittling somebody that has ZERO business with their company. She stated that she would put it on the do-not-call list, however, I 'm very skeptical that this group of incompetent people can successfully accomplish this basic task.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt collection company keeps trying to collect an outstanding balance that is too old to collect 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 2018-05-30
Company: Experian Information Solutions 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:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I  received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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 2022-04-21
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:
In accordance with the Fair Credit Report Act : Account Name XXXX Account Number 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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

XXXX XXXX in TRANSUNION, balance is {$0.00}, and account # 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 2015-05-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit angency of Equifax refuses to remove a Louisiana tax lien incorrectly placed on my credit report filed XXXX incorrectly by the state of Louisiana for a buisness i never owned or operated located at XXXX XXXX XXXX XXXX, XXXX XXXX, La XXXX named XXXX. Any state or Federal tax filings have shown i have never owned or operated any type of business ever, i have spoken with the state numerous times concerning this matter which was handled by a La, department of revenue agent named XXXX XXXX direct telephone # ( XXXX ) who to me numerous times also stated that should not be on my credit file and has sent request to equifax to remove it more than XXXX.This has been going on for quite some time. The record filed at XXXX District Court case number XXXX has been nullified for quite some time. I dont know why Equifax insist upon putting me thru the unfair practice of not removing this lien off of my report for years now as well XXXX unauthorized credit inquiries, i understand that Equifax is a giant corp. that makes a profit off reporting credit info on consumers but this is so unfair to me for them to not do whats right and remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, XXXX XXXX XXXX started a credit card XXXX XXXX 2005 the Card number was XXXX The balance on this was covered full by a payment of XXXX and funds in our Merchant Service Account. of XXXX. This would have covered the account in full. This account was then to be removed from our credit as agreed by XXXX XXXX at XXXX XXXX XXXX, phone XXXX We would like the account removed from the Tradeline so our credit is no longer effected. The account no loner effects XXXX XXXX XXXX and only effect XXXX XXXX XXXX as we will refuse to every do business with XXXX until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Filed disputes against XXXX XXXX XXXX about collections containing in accurate information. Investigation took longer than 30 days and Equifax report as correct by verification through an online 3rd party system and did not speak to original creditor to verify the debt. XXXX was able to delete these same accounts and was unable to get the correct verification so they actually removed them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The credit reporting agencies are in violation of the FCRA, section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify these account, and have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a had a negative posting on my credit report by a collection company named XXXX. I never received any letters from this company or other form of communication about having an unpaid debt.On XXXX XXXX XXXX I have disputed the information with all XXXX Credit Bureaus and all XXXX deleted this account from my credit file including Equifax. A few days ago I 've got a credit alert that I have a negative account on my XXXX credit file.I looked at my credit report and it was showing that I 'm 90 days late on a collection account with XXXX but I never had any letter from XXXX and I had no arrangement to pay an account I did n't know about.XXXX deleted the account promptly form my credit file, 2 days later I 've got an alert again that a negative posting was on my Equifax credit file.I looked on my credit report and the same collection agency using the name XXXX XXXX that does n't even exist has posted the same negative account this time without saying that I 'm late they just used a different name to have the same account placed on Equifax credit XXXX have disputed that account with Equifax and after 2 weeks they said the account previously deleted by Equifax was OK to be posted on my account.The original dispute case was XXXX and it is is where Equifax removed this account form my credit file, the new case XXXX is the dispute where they posted again in XXXX XXXX the account previously deleted and now being " accurate '' .I am trying to get a mortgage and worked hard to have my credit score up and I can not afford for a Credit Reporting Agency to play with my credit. Equifax did not verify this account correctly and had it posted under a name of a company that does not exist just to have a negative mark on my credit.I can not access the case # XXXX dispute file because it is visible for only 30 days but I will attach the recent case # XXXX dispute file that is recent. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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:
In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX : account number XXXX XXXX XXXXXXXX XXXX  : account number XXXX XXXX XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX  15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my written my 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