BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was denied credit by XXXX creditors in the past two weeks ( trying to build my credit again ) citing Experian 's report that my answers during the verification process possessed fraud indicators. The problem is n't my answers, it is their questions. They do n't apply to me. They had questions about a home loan. I 've never had a home loan. They asked which year my home was built. Again, I 've never owned a home. They asked a question about XXXX credit companies that I have never had accounts with. They asked about a phone number that had to have been over 20 years ago since I 've used so I could barely remember if I checked the correct one. They have then reported to both creditors that there was an alert for fraud. I have never done anything fraudulent in my life! Experian needs to stop this now and correct the information they 're using to verify my identity. None of it applies to me.

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 2023-04-17
Company: EQUIFAX, INC.
State: SC
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 not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: McCalla Raymer Leibert Pierce, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I just received a letter from McCalla Raymer Leibert Pierce , LLC ON XXXX. I took out 2nd mortgage in XXXX, since then I received two modifications. My second mortgage of originally XXXX after making payments reduced to 45k-46k. The balance was put in back of the loan and stayed silent. Now this law firm is asking the balance with fees and interest totaling XXXX as of XXXX XXXX. This firm has not taken any action as of yet. Just trying to collect a misinform debt. My home foreclosure may be their short term goal. 
I did indeed noticed XXXX XXXX XXXX XXXX is not mentioned at all in the letter sent. The original company ( SLS ) in which the money was said to be owed and they would proffit 100 % of the proceeds if successful. I also just looked at my County Court public records and also noticed ( XXXX XXXX ) just filed or added their named along with others on XX/XX/XXXX. 
I am just a XXXX military war vet. trying to survive another year. Now this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022 I sent a letter for inaccurate account on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account gives reason to immediately correction this account from my credit report. I am distressed that you have included the account below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The account therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that the account be corrected immediately or I will file for litigation. 
XXXX XXXXXXXX XXXX Balanced Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was negotiating a purchase at XXXX XXXX using a credit card that had been previously opened through XXXX XXXX, but separately managed by a credit card company. I asked if a request to increase my credit limit would count as a hard inquiry on my credit report, and the representative at XXXX XXXX told me it would not. When asked for the qualifying information to request the limit increase, I miscalculated my monthly income, and only reported 50 % of my monthly income. The next day, when I realized my calculation error, I called the credit card company and proceeded through the recorded prompts to request a limit increase using my corrected calculations. XXXX requests to increase my credit limit were recorded as hard inquiries on my credit report. The XXXX inquiries are recorded as having been requested on consecutive days, but XXXX came from the same company. I accept that the representative, who I first spoke to at XXXX XXXX, was misinformed, and did not understand that a request for a credit limit increase would count as a hard inquiry. However, because XXXX requests for limit increase took place in a short period of time, I feel that the XXXX should only be reported as a single hard inquiry from the credit card company. I would like for XXXX of the inquiries to be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: U.S. Auto Credit Corporation
State: GA
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:
Almost 7 years ago I voluntarily gave back my car to us auto credit. Since then they sold the vehicle and never disclosed info with me. So instead of taking off sale of car off loan they have been charging me late fees. I am working with XXXX XXXX  and for the last three months they have been reporting missed payments to a closed case. I have tried reaching out however I never get the same person and the 2 times I gave them my debit card number to try and make small payments they were trying to take more than allowed. Any help is appreciated as it will be 7 years in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates 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 that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX US BANKRUPTCY COURT Account Number : XXXX Account Name : XXXX XXXXXXXX US BANKRUPTCY COURT Account Number : 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 2015-04-17
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was not properly notified of a debt that I am willing to pay. I never was mailed a bill or able to settle my account which I would have willingly done. This only came to my attention when the debt hit my credit report, 9 months after the collection agency reported they received it. The company stated it was illegal to deletethe account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized this company to run my credit.

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 2020-03-07
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:
Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you. 
3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency.

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 2019-11-26
Company: EQUIFAX, INC.
State: SC
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 student loans on my credit reports from XXXX, XXXX, and Equifax that are listed 3 different ways and being duplicated. One one platform they show paid 100 % and closed and on another platform they show collections. They are not in collections and have be either paid in full to creditor XXXX  or is currently in full repayment by a graduated loan to the Dept of Ed/XXXX. The loans are listed as SC Student Loan , Dept of ED, and US Dept of ED. ( also as US Dept of Ed/XXXX/XXXX, Dept of ED/XXXX/XXXX  ) I have worked out a spreadsheet that shows the loans, the dates they were opened and the amount to cross reference how they are all listed differently across platforms. They are not in collections and stem back as far as XXXX. I have a letter from XXXX where I have satisfied a loan amount with them for an offered settlement of over {$40000.00}. I am currently paying XXXX/Dept of Ed for a loan over {$35000.00}. So my debt is taken care of. I have disputed these and they are not budging to remove them from my report. It is significantly affecting my life and the ability to get something as small as a car loan. I would like this removed as they are extremely old and the information is not correct. I have tried taking care of it myself with no luck. XXXX  seems to be the only platform working to remove any negative information but Equifax and XXXX are not. I do not understand how a loan can be marked as paid 100 %, pays as agreed, or Paid and closed on one platform but another shows it as not paid and in collections. This information is inaccurate. The loans run from XXXX-XXXX. Closed dates are from XXXX-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I lived in XXXX in XXXX and XXXX. I had an HSBC bank account. In XXXX I moved back to XXXX XXXX and closed my accounts with HSBC. In XXXX of XXXX I received a new credit card from HSBC XXXX, which I did not request. I called the XXXX office and they said they could not help me because telephone security is not set up. I then called the US phone number and they wo n't help me because it 's a XXXX based account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account with ERC was opened in XX/XX/21. The representative over the phone stated that I would have to pay {$300.00} XXXX. I have already paid them {$600.00}. I stopped paying them once I realized they increased the balance from what was actually owed. I have disputed this with XXXX and XXXX. The company is still denying my claims and hurting my credit more than it should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection report to my credit report that I do not authorize I would like to get it remove from all 3 credit bureaus immediately it do not belong to me Agency name : CONSUMER ADJUSTMENT CO Amount : {$1100.00} Account Info Account number XXXX Contact & address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TO PROVIDE METHOD OF VERIFICATION I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by XXXX, Transunion, and Experian agencies in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) ( 7 ) filed with Federal Trade Commission to be more specific, based on the FCRA 611 ( a ) ( 2 ) ( B ), Transunion, XXXX, and XXXX  were required to forward all the relevant information provided by Transunion, XXXX, and XXXX to the creditor for their investigation of my dispute. Please provide me a complete copy of all information that was transmitted to the data furnisher as part of their investigation, as requires by FCRA 611 ( a ) ( 7 ) : What certified documents were reviewed to conclude their investigation? Who did they speak with? What was the date? How long was their conversation? What was their position? What number did you call? What is the name of the employee that spoke directly to the creditor? What is the position of the employee that spoke to the creditor? This inaccurate reporting has caused me to serve financial and emotional distress. Please reply within 14 days to the above questions and delete the following items! 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-03-26
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Ordered a XXXX credit report and scores from XXXX ( Experian ) .They only gave me XXXX score and XXXX report from Experian. They said there was an error in getting the other XXXX scores & reports. I paid them {$49.00}, & they will not refund my money. It was paid with a Visa card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-22
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent a letter to Experian dated XXXX/XXXX/15 to dispute some inaccurate items on my credit report. I then received a response from them dated XXXX/XXXX/15 stating that my letter was suspicious and not sent by me. I 'm not sure how they determined this when I even attached my driver 's license and utility bill to confirm my identity. I even called them on XXXX/XXXX/15 regarding the suspicious letter and the representative gave me a hard time and refused to do anything with my dispute letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company closed previous complaint stating they were unable to locate my account. Which is simply untrue, as they report to the credit bureaus and received my certified letter which contained enough information to locate and access my account. I am uploading documentation to support my contention. Letter from XXXX, my certified letter to them, a copy of my XXXX 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 monetary relief
Consumer complaint received 2015-10-22
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
found an error of being late on my account in the report put out by Experian. Contacted XXXX on this account and verified with them that I have not been late with a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I have called Macy 's concerning a negative rating on my credit report and they first assured me that the issue would be resolved when I call them back the following Monday. When I made the call they took a very different tone and attacking my character. I mentioned that I always pay my debt with an automatic XXXX XXXX XXXX payment, for example below every month : Dear XXXX XXXX : The following payment has been scheduled : Pay To Account : MACY 'S Account Number : XXXX Payment Amount : {$150.00} Deliver By Date : XXXX/XXXX/2016 Confirmation Number : XXXX Pay From Account : XXXX Account Description : XXXX CORE CHECKING I was not aware that I was behind on my monthly payment and it could have results on some tech error. they refuse to listen and show no empathy or acknowledge my concern.

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 2015-09-08
Company: ERC
State: TX
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:
A debt for XXXX in the amount of XXXX dollars showed up on my account about a year ago. I have gotten this debt removed XXXX already and now it has popped back up a XXXX time, because the account keeps getting sold to another collector. I have supporting documentation that the previous collector agreed to remove the account from all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief