BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
On XXXX I issued a Letter of DIspute to Equifax, XXXX, and XXXX via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, Equifax had 15-30 days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. Equifax did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. It is without a doubt that Equifax, XXXX, and XXXX are certain of these laws which they must abide by, however this case is a prime example of Equifax 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their Superior 's. I will attempt to yet again contact Equifax, XXXX, and XXXX via the C.F.P.B in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that Equifax will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: MO
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX DOB : XX/XX/XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX  XXXX Balance : {$770.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company sent letters that I was to pay a debt of XXXX. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent out certified mail to the collector that now has my charged off debt/collection. Its been 30 days and no one has got in contact with me about the collection. I asked for verification of the collection and have yet to be notified of any information. I would like for this false information to be removed for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Dear Sir/Madam, My mortgage was forbearance for XXXX due to XXXX. I was come out of this forbearance with modification for reduced interest and paid three-month trial payments. After I signed documents for modification agreements for and last XXXX months ( XXXX, XXXX, and XX/XX/XXXX ) I am paying my mortgage payment first of each month on time. Never any late payment after this modification. 

But XXXX Mortgage services reported to the credits bureau, my payment was XXXX for more than 90 days and my credit score went down XXXX points. 
This is not actable, and Federal Government gives consumer rights, and mortgage companies shouldn't report to credit bureaus about this forbearance/miss payments. Please check this unacceptable problem with XXXX. 

My name is XXXX XXXX, and my account # XXXX If you have any questions, please don't hesitate to contact me at XXXX or email XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I received a notification fromMRS BPO LLC asking which of 3 options listed would I like to statuary my debt to XXXX XXXX XXXX. This is a debt I have disputed in the past due to the high amount however XXXX could only tell me it was sold to a collections company and they would be in contact. This is the first I have heard from this company and the collection is not on any of my 3 credit reports. I called the agency and asked for validation of debt. After asking several times if I would go ahead and just make a small payment today, the agent finally agreed and said she would follow up in 10 days. I relayed to her my concern was regarding the amount of the debt and I didnt agree with the total. 
I received the packet from MRS. For starters, the information on the cover letter is very limited and besides my name and address it is incorrect. The information listed os for a PPL account with account number and balance of {$220.00}. Moving past the cover letter the documents are for the XXXX loan, however it does not contain a transaction detail listing showing my payment history. There was a copy of my original 9 page lease, a copy of the letter on how to purchase the car before auction and a post auction bill. No record of any sort regarding payments made to the account. 
One page lists the repossession at {$750.00} then another lists it at over {$1600.00}. Then there are all these misc fees however when reading through the lease, the only fees mentioned are late payment and based on my monthly payment amount, that would be {$19.00}. So I dont understand misc fees in excess of {$2400.00} on the final statement. And again where are the deductions for payments made? I know a minimum of 23 months of payments were made and that is from my XXXX report page payment history on this entry. 
Since this company is not on my credit report I submitted a dispute against XXXX regarding the amount. They didnt address the discrepancy regarding amount owed and amount paid either. They concluded with if you have any further questions please call customer service at... Which I did the next day. Just to be told what I was told earlier this account has been charged off and sold to a collections agency we have no information on this account I called MRS at XXXXXXXX XXXX  ( their advertised hours of operation are ( Monday - Friday XXXX ). And the recording asked me to hang up and call back during normal business hours. 
I have tried to get this situation resolved before the repossession and lack of communication and inability to explain the misinformation has made it a nightmare. In addition, this was a voluntary repo. After missing 1 appointment I had to call and reschedule to meet the representative and hand over the keys. I thought certain fees were subtracted for a voluntary repo.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: TX
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 Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : Rent Debt Automated Collections Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, and Account Name : XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2018-05-25
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX told me that they tried to bill my car insurance instead of my health insurance. And since they messed up its too late to bill my health insurance and i have to cover it. 
I feel : No. I do not owe it. If they didn't bill it properly thats their fault not mine. They can bill the insurance or erase the debt. Either way it needs to be removed from my credit report. It is not my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/22 I received a virtual settlement payment from XXXX 's which is handled through myprepaidcenter.com. I had created an acct and tried for XXXX weeks to use the virtual card. It will not allow me to add it to my virtual wallet. I tried to pay bills and make purchases online. Any way that I could use the money, I tried. So on XX/XX/22 I paid for a physical card and received it today XX/XX/22. Now this card will not activate I can't view any details online. I called number on the physical card and the automated system can't find or activate the card number and you can not speak to anyone..it just hangs up on you. I found a number to call them XXXX. I waited the allotted XXXX hold time it stated which turned into XXXX to be told that there systems are down and call back another day. I finally got thru on the website and the card will not activate online or over the phone. It's obvious from reading all the reviews that this is a scam. All the stories are the same and we are all given the run around. So this is how huge companies never have to pay their class action settlements because it's all a joke on the consumer. I want to know how I proceed and I guess how I start a class action lawsuit against my prepaidcenter.com. if you read the reviews this company is stealing people 's money and they just keep getting away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Last year I discovered a false account with XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, and Account Name : XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-09-24
Company: Home Loan Center, Inc.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I keep tabs on my credit regularly. I don't have the best credit in the world. However, I ensure everything gets paid on time, if not early ; nothing is or has been in collections for over ten years. All my credit cards are almost maxed out for various reasons, and I have two other personal loans. The goal behind going to Lending Tree was to consolidate everything down into one loan so I could lower my monthly payments. 

On XXXX, I went to XXXX to see about getting a personal loan. I completed all the required information. At XXXX point, the website showed me my credit score. The number was XXXX. I was in absolute shock. A XXXX is XXXX point away from being labeled as having " BAD '' credit and a XXXX is FAIR credit. 

After the initial shock of seeing XXXX as my credit score, I stopped the application process and immediately logged into my XXXX account. Had I been hacked, was I the victim of identity theft, had all the hard work I done over the years been for nothing? I pulled all three scores. The results were astonishing. XXXX XXXX, XXXX XXXX XXXX XXXX a XXXX difference. What the what? I was blown away. The actual scores put me in the solid " GOOD '' credit range. 

Admittedly, I am unclear how companies like Lending Tree make money. I would guess they are given a cut of the total value of each loan referred. In my mind, a higher loan value ( principal plus interest ) equals a higher payout for the lending trees of the world. 

If Lending Tree is telling their business partners that I have a score XXXX points lower than my actual rating XXXX. I will not get as many offers ; I look at a higher risk of default. 
2. The offers on interest rate offered is going to be exponentially higher, which means higher total loan value. 
3. After the loaning company runs a hard credit inquiry and finds the correct, higher score, there is no incentive for them to lower this interest rate. Why would they? They figure you are okay with paying a higher one. 

In addition, when you log into your Lending Tree account there are all kinds of links to other products that they recommend. All of which are tied back to your credit score. 

When I called the XXXX number to see how to rectify this, I was told they had never heard of this before and did not have any way of making changes. 

The way I see it, the lending tree is preying on individuals desperate for cash which might be struggling with understanding credit history, credit scores, and other topics of personal finance. They are deceiving the applicant for higher gain. I am not saying Lending Tree should not make money ; they absolutely should ; they provide a service. They should not be cheating the system and making people who already struggle with finances pay more. Talk about kicking someone while they are down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Bread Financial Holdings, Inc.
State: TX
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 # 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open- end consumer credit plans as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Upon pulling my credit report I discovered address and name is incorrect, my only address is the address that is on my current Drivers License/ID.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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

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