BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: NJ
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:
I have been a XXXX mortgage customer since XX/XX/XXXX and have never had issues making a timely payment. In XX/XX/XXXX XXXX changed their online payment system & since then I've had 2 consecutive months of issues. The first was the lag time  between my XXXX payment submission & payment posting ( 5 days ) which caused my account to be flagged as 30 days late & dinged my credit report. ( This is the first time a payment submitted was not applied same day. ) The second was when  attempting to submit my XXXX payment, the payment never went through. I was forced to call ( for the first time in almost 4 years ) to make a payment to ensure that my account was current. That payment was made on-time.

This issue with their new online payment platform has created a much more concerning situation where now my credit has been impacted. 

I've called XXXX 3-4 times to rectify this error & the associated impact to my credit report. Since reaching them & logging 3 complaints/cases & now waiting 48 hours+ for a call back my Experian credit report shows as " data unavailable '' for XX/XX/XXXX and reflects paid for XXXX & " 30 days late '' for both my XXXX & XXXX XXXX mortgage payment. It is XX/XX/XXXX, my account can not be 30 days late 7 days into the month ... 

This 2 month " hit '' has decreased my credit 92 points at a time when I am attempting to close on a new home. I am extremely concerned that this will impact my ability to close on a home I am under contract to purchase. I'm unsure how to resolve this issue but I need it resolved ASAP.

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 2017-06-27
Company: HW Holding, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is an inquiry that just reported which was never authorized nor do I owe any apartment debt. I 'm requesting this be removed XX/XX/2017 Inquiry Creditor Type : Other Collection Agencies AlertDate:XX/XX/2017 Creditor Name : HUNTER WARFIELD INC Creditor Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor Phone : ( XXXX ) XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 explanation
Consumer complaint received 2019-07-29
Company: BCB Investments LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
Alliance collection responded to my previous complaint saying that I disputed through an XXXX system. I have never disputed through an XXXX system and have no idea what an XXXX system is. I have called them because I received an email from the company saying to pay a balance owed which I dont owe them. I have also sent in dispute letters and they still havent removed it from my report. This company has never sent anything by mail to me explaining the debt and what it was for and my options to dispute if I find it invalid. They have wrongly entered it into my report without any explanation only an email about paying the balance and thats the reason I called in. I also told this company not to call me and that I was going to contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is reporting inaccurate information on my behalf. I sent 2 inquiry deletion letter to Equifax due to unauthorized inquiries I noticed on my credit report. I do not understand why Equfiax believe or had the right to do this. I do not think Equifax had a permissible purpose to placed unauthorized inquiries on my Credit report. However every time i sent disputing letter or called to one of the rep XXXX to dispute those inquiries. He stated it will deleted. I am demande my credit to be 100 % accurate and complete. I do not want or misleading information on my reports. Equifax is still violating CRA under section 1681i for negligentwanton investigation.

Reckless/willful 1681e ( b ) failure to keep and follow reasonable procedures to assure maximum possible accuracy. 

Equifax has sent me a letter with a different name addressed sent to me with exactly the inquiries I asked to dispute. However those inquiries possible verified. Please explain to me how can you reporting that those unauthorized inquiries are verified if you send me a letter with the same inquiries with a different name. 

I demand the CRA to delete those inquiries IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX They had also responded back XXXX  that the collection from XXXX  XXXX is not listed, but however this is still reporting. 
PLEASE stop report FALSE information. And delete these and adjust my credit score accordingly. If you wish do not so, I will be forced to do legal action against the credit bureaus. 
I will upload the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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: Account status incorrect

Complaint:
XX/XX/2018, I send a letter and supporting documentation to Equifax requesting them to remove or clear my record of any negative debts, since the creditor XXXX XXXX and its affiliate XXXX XXXX XXXX XXXX cleared up any wrong doing or confusions with my account with them. 

XXXX XXXX 's letter states that they also sent their letter to each Nationwide Consumer Reporting Company : Equifax, XXXX, XXXX, and XXXX ( not sure who this agency is but it was in their letter ), clearing me since my account have been satified and changed. 

With the exception of Equifax, each of the other reporting companies cleared my credit report. It's important to point out that Equifax cleared my husband and we on the same account. I am perplex why haven't they cleared me. I hired a XXXX XXXX to help me with Equifax. They too haven't been able to get anywhere with Equifax. You are probably my last hope. Please help me to have Equifax to stop ignoring me and the creditor. I am requesting them to clear my record with a positive report. This issue is frustrating! 

Thank you kindly!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have continue to contact the three credit bureaus Trans Union XXXX and XXXX about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.

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 2021-07-07
Company: EQUIFAX, 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:
To Whom This May Concern, Pursuant to 15 USC 1681a under Exclusion section B, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Congress said any card. The credit card is my social security card. This credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 3 ) ( e ) 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. When a consumer report creates an investigative consumer report, they are not to include factual information and they're also supposed to interview my neighbors and friends or associates. Credit reporting is optional. There is no law saying that any consumer credit transaction has to be reported to a consumer reporting agency. A consumer reporting agency isn't a part of any political subdivision or the government. At the beginning of the FCRA under the congressional findings, Congress removed themselves from liability letting me know that this is an elaborate mechanism and you people assumed this vital role of reporting credit information. I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. If you do not remove it then you are civilly liable for reporting this information and it is inaccurate.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
RE : Dispute Case Number : XXXX. 
Merchant Name : XXXX XXXX XXXX Dispute Amount : {$1700.00} Discover Representative from Dispute Department assured me if I was able to upload letter from Expert showing that XXXX Chair I received is *not* real leather then I would " get my money back from Discover ''. I followed the instructions yet Discover did not provide me a refund nor any fair resolution to the dispute process. Attached are Fascismile and electronic communications to Discover that were ignored by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX I purchased a {$500.00} XXXX XXXX gift card from pharmacy store. 
XX/XX/XXXX, a fraudulent charge of {$500.00} was put on the card. so the card has {$0.00} balance within XXXX hours of card purchase date. ( Info obtained from Incomm support a day later ) XX/XX/XXXX, Informed Incomm Financial Service and was told the card was " drained '' on XX/XX/XXXX. case number : XXXX. 

The packaging was perfect when I bought the gift card, it was not tampered with. so it is most likely an insider job who can act so quickly to " drain '' the card. 

It is XX/XX/XXXX today, It is almost 2 months since I informed vendor of fraudulent charge and the only communication I received was a boilerplate acknowledgement on XX/XX/XXXX after I emailed the requested form as seen below. 

" Greetings, Please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. Please be advised that disputes are worked in the order they are received. You can expect complete resolution within 45-90 days. Once the dispute is resolved, the outcome will be communicated to you via email. '' As a consumer, I am not sure how many fraudulent cases you deal with on daily basis. However, I would at least want to know whether anybody is working on my case, things like " we forwarded our dispute to the vendor and it takes them up to 30 days to respond '', or " dispute sent to vendor on such date, a follow up inquiry was sent again, etc ''. The inconvenience is not caused by consumer, but some kind of security breach in your backend system. The least you could do is NOT ignoring customer for 8 weeks without a single email, but a case update even though there is no progress. 

For CFPB staff : I used to have a choice between XXXX XXXX and Incomm Financial Services. Nowadays, it seems Incomm dominate all the stores around me that left me with no choice. XXXX normally resolve fraudulent case in 30 days which also makes me wonder how come other company can work out a solution with merchant in 30 days yet Incomm requires 90 days for case resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The motorcycle was stolen shortly after it was purchased. I had full coverage and the insurance covered all costs associated with the theft of the motorcycle. There is no outstanding balance to report and consequently there is nothing to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Act XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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 2022-06-12
Company: Experian Information Solutions Inc.
State: MO
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 have continue to contact the three credit bureaus XXXX XXXX XXXX and Experian about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.

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 2020-04-23
Company: Experian Information Solutions Inc.
State: AL
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:
EXPERIAN IS SHOWING A BANKRUPTCY ON MY CREDIT REPORT. 
THEY MAILED ME TWO DIFFERENT LETTERS, THE FIRST ONE STATED THAT THEY VERIFIED IT WITH THE COURTS, WHICH WAS NOT TRUE, I CONTACTED THE COURTS AND WAS TOLD BY THE COURT CLERK THAT THEY DO NOT REPRT ANY INFORMATION TO THE CREDIT BUREAUS BECAUSE IT WAS AGANIST THE LAW, I NOTIFIED EXPERIAN AND TOLD THEM, THEY MAILED ME A LETTER STATING THAT IT WAS VERIFIED WITH XXXX XXXX, I CONTACTED XXXX XXXX ND THEY STATED THAT THEY DO NOT HAVE A BANKRUPTCY SHOWING ON MY FILE, I HAVE MAILED THEM CERTIFIED DOCEIMENTS TO PROVE WHAT I WAS TOLD.

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 2022-06-13
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:
In accordance with the Fair Credit Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion claimed that I was signed up for a credit reporting service. It was not clear in their contract language that I was actually signing up for a monthly service. I thought I was just getting a one-time credit report from them. When checking my credit card report this month, I noticed that Transunion had been charging me XXXX a month XXXX XXXX after tax ) for a monthly credit report since XX/XX/XXXX. I called them on XX/XX/XXXX to cancel the service immediately. 

Transunion agreed to give me a partial refund of 5 months XXXX XXXX - XXXX XXXX and cancel my account. I wanted a full refund, but they refused to give this. Initially they were only offering a three month refund, but made an exception because I asked to speak to a manager. However, since I paid for 8 months of this service unknowingly, I was not satisfied with 5 months of refunds. 

I never used the service that was associated with transunion and the basis of this complaint is that it was not transparent that I was signing up for a monthly service. Also, I received no direct written or electronic communication with transunion after the trial period began. This was obviously effective in keeping me unaware of the fact that I was being charged a subscription fee.

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