BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently received a copy of my Experian Credit Report ( XXXX ) on XXXX/XXXX/2016. For several months I have been disputing what I believe is a questionable Hard Inquire from XXXX XXXX XXXX dated XXXX/XXXX/2016. I have disputed the inquire with the XXXX other major Credit Bureau and upon the completion of there investigation they determined that inquire were to be removed from my Credit Report. Experian continues to refuse to remove the mentioned hard inquiry from my Credit Report and continue to deny my right granted to me by the FCRA. If the other XXXX major credit bureau conducted there investigation and determined to remove the inquire from my credit report it could only result in the ethical and trust worthiness of how Experian handles disputed items from consumers.

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: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX US DEPT ED Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX has used multiple debt collectors Like Ad Astra located in California who have called multiple times using abusive degrading language after I told them to stop. I recently had a call at XXXX and I live in the eastern daylight time zone while California is in the pacific time zone . I get at least 2-8 calls a week even after telling them to stop calling my phone at these late hours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been reaching out to the Bureau to remove this issue on my credit report since XX/XX/XXXX on several different occasions up until now XX/XX/XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Alorica Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After checking my credit report, I found a bill from XXXX. When I reached out to them they told me that the line was active for at least a month, but I 've never used XXXX. I 've had services with XXXX XXXX XXXX for 11 years on my mothers plan. There is no need for me to get another phone. I 'm uncertain where these charges came from, but I have never has a phone with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The referenced lease was obtained using the attached fraudulently signed document. The signatures on the attached document ARE NOT my own. Ally is abundantly aware that this lease was obtained by the dealership submitting fraudulent documents. To be 100 % clear, this complaint is in no way related to any previous complaint and requires a response other than " we already looked into it - nothing to see here ''.

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 2022-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is not a duplicate. XXXX XXXX XXXX will try and tag it as as a duplicate. 

The fair credit reporting act states that any information reported by a creditor, collection agency, furnisher, must have accurate, fair, and complete data and as you will see on the attachment there are days that arent even reported. This is in violation of law, and financial data has been warned of this violation before and it has been over 30 days with no correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attempted to get a deferment for a month. I was advised I still need to make payments during the deferment process. I was told my deferment would be applied to the month I requested over the phone. Now I am being denied because they said I kept making my payments. They have also reported my loan to the credit bureau for the month I requested a deferment for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}XXXX XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$540.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Rent Recovery Solutions
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Rent Recovery Solutions - XXXX XXXX XXXX XXXX, XXXX, GA XXXX Account : XXXX XXXX XXXX XXXX  This was found on my report this week. I was never contacted by the original company ( XXXX XXXX XXXXXXXX XXXX ) or the collection agency with a bill. The original company has fabricated multiple reasons that I allegedly owe them money for. Each one was documented in emails with them, each one was proven to be false. Finally they removed my ability to see if they added or removed any billing items form my account by removing account access to view the billing. 

The next time this resurfaced was when I noted it on my credit reports on Monday XX/XX/XXXX. I contacted the collections agency immediately and spoke to a csr named XXXX. I asked why i had not received any billing form them or the original company, named above. She acknowledged that no bill had been sent out claiming that they had just received the debt. The derogatory remark on my credit report was placed on it XX/XX/XXXX and no attempt to contact me was made. I believe they were parking the debt on my report, knowing it to be fraudulent. The last contact I had with XXXX XXXX XXXX XXXX was on XX/XX/XXXX when they claimed I owed XXXX for replacing the rugs do to wear and tear. I furnished them pictures of the unit showing the unit had no rugs and was all new vinyl flooring that was put in in XXXX and in excellent condition. 

When I responded with the proof they ceased communications and removed my ability to see if they rectified the false billing. The next time I saw any notice was when XXXX XXXX alerted me of the negative comment, the amount they were claiming was now {$6500.00}. I was never billed for this amount, never given any valid reason for this bil and there for would like to report both the collections agency for unfair debt practice as well as the original company XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm really upset at how my credit report is being handled. I've sent out a couple of dispute letters to resolve my issue. I did not receive the signed contract I asked for from all three bureaus. Due to the FCRA, if the original contract is not produce the account must be deleted immediately. 
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 famish an 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 2016-11-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Received a letter from Experian stating that a changed has been made to my account. They provided XXXX phone numbers to which I called. The recorded message said there has been a changed to my information and if I did not make those changes stay on the line to obtain a credit report. I called several times and held for for a total of fifteen minutes only to be hung up on. 

Experian has a habit of not allowing the consumer access by phone and if you ( the caller ) do n't respond to the prompts ( even if the prompts do n't apply to your situation they hang up the call. It 's there tactic of avoiding the customer/consumer. Experian are not accountable.

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: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX is reporting inaccurate unfair information and I demand the negative remarks are removed. This account was paid in full and closed and it is being reported as a charge off when in fact it is not. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide such information will result in willful compliance to break the law and the FTC ATTORNEY GENERAL, POLICE, AND IRS will be notified of this infringement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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: Information belongs to someone else

Complaint:
I have contacted XXXX XXXX XXXX  XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from experian, yet after requesting them to be removed from equifax and transition they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent experian a certified letter, return receipt requested. Disputing late payments with my XXXX XXXX account. ( They are reporting I was late last month ) I included in this dispute, the actual trade line from my Experian Credit report, A print out of all my received payments from XXXX website, A letter signed and dated by me, asking for them to do a verification of their reporting. I received back a letter saying.. " We received a suspicious request regarding your personal credit information that we have determined was not sent by you '' they went on to say they are ignoring my request. 

This was a legitimate dispute, there is no reason to think it was from anyone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three credit reporting agencies do not update payments or correct balances. Especially XXXX and Equifax. Equifax gave access to XXXX without my authorization. XXXX is reporting wrong payments on my car lease payments. This whole reporting agencies is out of control. Its like they are working for credit card companies, instead of consumers. They report things incorrectly to lower credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Harris & Harris, Ltd.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I began receiving collection notices regarding an unpaid toll in the state of MD last year. The state quickly sold the collections of the account to a firm in XXXX, Harris and Harris. While skip tracing, they left a voicemail on my mother 's answering machine clearly stating that they are debt collectors. I find this to be an abusive practice as FDCPA states that when skip tracing, the collector is only allowed to disclose that they are seeking location information. Additionally, they have been unable to provide me with evidence regarding the legitimacy of the debt ; I have only been told to log on to the state of MD website to obtain a photograph of my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reporting inaccurate information on my credit report I disputed information with the credit reporting bureau, advised that information reporting is wrong the balances does n't match the close dates etc. This account is reporting several different inaccuracies and should be removed from my credit report or updated correctly the credit bureau stated that they have conducted and investigation and information was updated however my credit report shows no change in this frivolous account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During the period of my mortgage with PHH Corporation, force placed insurance charges were fraudulently collected from my account. PHH has been ordered to provide restitution to such borrowers as myself. I have asked PHH for funds to be returned and they are nonresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2022, I received notice in the mail from Wells Fargo indicating : We received an online application to open a new deposit account using your personal information. Based on information we received, we were unable to successfully verify your identity. For your security, we declined this application and did not open an account. 
There's no need to contact us. We just wanted to assure you that no account has been opened and provided you with resources to help protect your identity. You'll find this information on the next page under " Didn't submit an Online Application ''.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 an 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