BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS IS BEING FILED THIS WAY BUT TAKE NOTICE THERE IS ABSOLUTELY NO ID THEFT IN THIS MATTER AND YOU SHOULD NOT BE PUTTING ANY KIND OF FREEZES ON MY ACCOUNT. PAY CLOSE ATTENTION TO THE ATTACHMENTS WHERE I HAVE WRITTEN IN A WARNING TO NOT PUT ANY KIND OF FREEZES ON MY REPORT OR ANY KIND OF FRAUD ALERTS JUST BECAUSE I AM DISPUTING THE VALIDITY OF YOUR REPORTING. YOU DO NOT HAVE MY PERMISSION TO PUT ANY ALERTS OR FREEZES ON MY ACCOUNT. DOING SO WILL RESULT IN A LAWSUIT. 

FOR THE LAST TIME. XXXX COLLECTION FOR XXXX XXXX IS IN THE NAME OF XXXX XXXX. IT IS NOT IN XXXX XXXX NAME AND YET YOU SAY YOU HAVE VERIFIED THIS. TOTAL LIE, AND YOU ARE IN VIOLATION OF THE FCRA. THE XXXX ACCOUNTS ARE STILL LISTED AS PENDING BUT YOU ARE OUTSIDE YOUR 30 DAY INVESTIGATIVE WINDOW AND THESE NEED TO BE REMOVED IMMEDIATELY. YOU STATE THAT " Company responded Experian Credit Bureau said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that the disputed collection accounts are false and in violation of XXXX. You further indicate you contacted the company that informed you that the account is attached to another person. You are requesting the disputed collection account ( s ) and fraud alert to be removed from credit report. 

According to our records, the disputed collection accounts and fraud alert do not appear on your Experian personal credit report. You should receive an email notification, within the next 48 hours, alerting you that your dispute results are ready to be viewed online. '' BUT THIS IS A LIE BECAUSE THESE ARE STILL SHOWING UP ON A CREDIT REPORT THAT I RECEIVED TODAY. I AM GOING TO FILE A COMPLIANT AGAINST YOU WEEKLY IF YOU DO NOT REMOVE THESE ITEMS WHICH YOU CAN NOT PROVE ARE COMPLETE, ACCURATE OR VERIFIABLE. I AM TIRED OF ASKING YOU TO DO YOUR JOB BUT YOU BELIEVE IN BREAKING THE LAW. REMOVE THESE ITEMS IMMEDIATELY AND STOP TELLING ME I HAVE TO CONTACT THE ORIGINAL SOURCE, I HAVE DONE THAT BUT IT IS NOT MY RESPONSIBILITY TO PROVE THAT THE ITEMS ARE MEETING FCRA GUIDELINES. YOU ARE BREAKING THE LAW BY REPORTING INFORMATION AGAINST ME THAT YOU CAN NOT PROVIDE PROOF FOR. THIS IS YOUR LAST WARNING TO REMOVE OR SUFFER A LAW SUIT.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard

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 2015-10-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to my credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX, XXXX, XXXX and XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: MD
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 XXXX  XXXX AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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 Fair Credit Reporting Act XXXXXXXX XXXX XXXX account # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXXXXXX XXXX # XXXX, has Violated my rights. 

XXXXXXXX XXXX  XXXX XXXX # XXXX, has Violated my rights. 


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

15 U.S.C 1681 section 604 A. 2 : It also states a consumer reporting agency can not furnish 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 2022-10-08
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX has 5 HARD INQUIREYS on credit report. Starting with Veteran unites. I never tried to buy house or it would have been bought .The other 4 hard inquires are when I got onto credit sesame e and my file was linked but those 3rd party credit services lie and scam. I need all 5 inquires off my transunion report. This is hurting me. My children and elder mother. Trifling how these companies don't even do business in America. They lie to the XXXX  and other XXXX to do and say what they tell them. My 5 gard inquires are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Other

Complaint:
GENDER DISCRIMINATION - I used a kiosk at XXXX XXXX in XXXX, MA for a third party credit card company " Synchrony Financial '' that XXXX uses to offer their customers zero finance credit cards for one year. - This is a gender discrimination complaint. After answering all the questions, they prompt you to estimate the total cost of purchases you wish to make. I keyed in $ XXXX. They returned with a $ XXXX credit card that was activated. At my request, a XXXX employee contacted Synchrony Financial to review my application and reconsider my full requested amount. They declined to change. I spoke with XXXX Sales Manager XXXX XXXX and expressed my concern of gender bias. I cancelled half my furniture order and gave XXXX a personal check for the balance of the order. While I was waiting for my paperwork I sat next to the kiosk. While I was there another woman applied at the kiosk and was declined for the amount she wanted. The employee in the XXXX credit department asked her if she had a husband, and if so, he could apply at the kiosk and then XXXX could request their credit card approval amounts could be blended onto XXXX card. Understand that my NET income a month is $ XXXX. If I paid minimum monthly payments - after bills are paid, my monthly discretionary income is $ XXXX. I had to wait three days to cancel the credit card ( automatically issued ). Cancelled on XXXX/XXXX/XXXX with specific instruction to state " closed at customer 's request '' - when the information is released to the credit bureaus. I was assured this would happen, and informed them I would follow up with the credit bureaus at a later date to confirm this was in fact done.

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 2021-09-29
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivables Performance at XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX has been mailing me collection letters via mail about a {$780.00} that is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company

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 2017-01-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a twin sister, same date of birth, first name begins with the same letter, and social security # is different by only one digit. I have pulled my own credit report in the past and never had any problems. Now that I am trying to apply for a credit card, the company has pulled my credit report. It shows my social security # but it lists my sister 's name and all of her debts and her credit score. My credit is much better than hers and I would never qualify for a credit card with it showing her debts on my file. How can I go about correcting this and why would this happen in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed some items on my Equifax Credit Report, on XXXX/XXXX/15, on XXXX/XXXX/15 I received another copy of the exact credit report that I already have, I feel that this is an attempt to delay the process and nothing is getting done, my disputes are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR ONE OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there - one of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my info When I receive a tax notice from the Commonwealth of XXXX using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than 8 years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year 2010 when that is n't true - this is something I 've just recently put two and two together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theft When I get a letter from XXXX Food Stamps agency that says my application file was accidentally opened and opened by an agency in a different county than mine...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Firstsource Business Process Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called a month and a half ago and asked to plesse stop my automatic payments. I paid half the bill but I ran our of money. I said I would call to set payments back up in the future. I looked at my account and they took money anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: General Motors Financial Company, Inc.
State: AR
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:
These companies used the shot gun approach on my credit report with consenting me its damaging to my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter from the magistrate court of XXXX County stating that XXXX XXXX XXXX XXXX XXXX was suing me as the assignee of XXXX.

Form states that it is a " PLAINTIFFS APPLICATION FOR DISBURSEMENT OF FUNDS ''.

The following wording is noted : " NOW COMES the Plaintiff in the above styled case and files this Application for payment of all funds due Plaintiff paid by Garnishee after such time as the Clerk determines that no claim has been filed and no Traverse has been filed with twenty ( 20 ) days after Garnishee 's Answer was filed. Moreover, Plaintiff states Garnishee and Defendant will be properly served with the Garnishment pursuant O.C.G.A XXXX and that proof of such service will be filed with the Court prior to any disbursement of funds. '' This letter is signed by XXXX XXXX XXXX XXXX XXXX, Georgia Bar # : XXXX   The law firm that sent the letter is Aldridge Pite Haan , LLP The APH File number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I applied for credit cards with XXXX and was advise soft pull. But I have XXXX or more inquries on credit file and with XXXX they are showing all inquries the same day with equfiax, XXXX and this can not be true and some stores more than once and I was approve for the credit card. I receive this address from XXXX and they advise me to file a complaint and maybe they will be remive. 
Also I file bankruptcy back in XXXX and listed all my old accounts due to excessive hospital bills and listed XXXX XXXX account in collection and XXXX and XXXX and all XXXX receive the notice regarding bankruptcy. They have theses account on my credit file as collection accounts and when someone review my credit file they show I still owe balance which is in correct. I have written to them contacted them by phone. I advise them even if the accounts were in collection they were included in bankruptcy and the need to be status correctly. 

I hope you all can help me I. This matter as I am trying to rebuild my life after years of XXXX back in XXXX. Lots of hospital stays, dealing with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
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: Public record information inaccurate

Complaint:
This debt is an educational loan through XXXX XXXX opened as a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for XXXX XXXX on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that XXXX was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to XXXX website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.

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 2022-12-14
Company: Continental Finance Company, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$500.00} on XXXX to XXXX. On XXXX I reached out asking why the payment had not posted to my credit card. I was told the payment hold would release on XXXX and when I didn't see the payment posted, I called and was told the payment was returned by my bank as " account closed ''. I contacted my bank and they advised that sending that information to the bank was in error and they provided XXXX documentation that the {$500.00} was in fact taken out of my account and account was not closed. I called back to XXXX and requested a XXXX on XX/XX/XXXX who said that the bank documentation had been received, but the back office was reviewing the documentation give them 72 hours to credit the payment. Every time I have called them I get the same excuse. Two supervisors said they would reach out to me and it is now XX/XX/XXXX and my payment still has not been posted nor has any one called me back.

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 2015-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX orwww.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with 'XXXX ' who said the site should allow me access to obtain my free credit report. I live in XXXX, am a U.S. citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no U.S. mail service in XXXX. We are moving back to U.S. in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am extremely upset in the way Seterus has failed to provide sufficient information in regards to my review fro a Principal Reduction program my lender XXXX participates since XXXX XXXX, 2016! I can not believe the way Seterus is giving me a difficult time for my review. They have failed to provide the XXXXLTV ratio to see if I qualify for this program. Seterus has also mention they do n't participate in this program, but according to my lender that should n't affect the review because as long as the lender participates in the program they are obligated to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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