BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-28
Company: Pinnacle Credit Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor of my debt is XXXX XXXX in the amount of {$360.00}. This debt is delinquent since XX/XX/XXXX in which it had gone into collections. Moreover, Pinnacle Credit Services which is a debt buyer bought this debt XX/XX/XXXX. Furthermore, on my credit report it states debt was opened XX/XX/XXXX which is false information and is called parking an old debt and violates FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted the credit bureau in reference to some unauthorized and uninitiated inquiries in my credit file. They advised me to contact the creditor, if I did not contact them in order to establish a relationship initially why should I have to contact them to have it removed. The credit bureau broke the law by allowing false information to be reported in my file. So they need to contact them to have it removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. The XXXX inquiry is mine but should only be in my file 1 time it looks to be duplicated. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 twice this inquiry is duplicated multiple times, XXXX is authorized. 
XXXX XX/XX/2016 XXXX XX/XX/2016 Sincerely, 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 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Trans Union numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and remove 1 account that does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX File No. XXXX ATTN : Legal Department Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ XXXX ACT OF 1996 ], to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and XXXX authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to 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 as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX, XXXX XXXX XXXX ) ACCT. BAL : {$140.00} 2. ACCT. NAME : XXXX XXXX XXXX XXXX XXXX ) ACCT. BAL : {$670.00} 3. ACCT. NAME : XXXX XXXX XXXX XXXX XXXX ) ACCT. BAL : 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 2015-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed to Transunion XXXX different times to get off inquiries, that are on my credit report, that I never gave permission to be on there. The response I got from Transunion each time was only within 2-4 days and came back as legitimate. There is NO WAY they could have investigated anything within that time frame. It even says that the credit companies have 30 days to dispute, my disputing of inquiries. So how can it be done within 2-4 days total each time!? They are not doing anything about them. Its unfair that I have so many inquiries that I would have never allowed through to my credit report. 
XXXX makes disputes way to confusing to even try to being there also. 
Another car company did this exact same thing to me in 2013. 
Thank you for your time with this matter. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: MOUNTAIN WEST FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Rec 'd a notice on my door that had my mortgage name on it. It said to call number. I called number and got Mt West Financial. My mortgage company is XXXX so I hung up and called XXXX. XXXX said my account was in good standing and said that Mountain West Financial is an affiliated company with them. So, I called XXXX, the number on the card and proceeded to try to confirm information. They kept asking for more. I did give them the last XXXX of my son 's ss # ( I am an authorized caller on account ) and now I am worried that this is not a real company but a scam. I told them that I would not give anymore information and that if they needed information they should write a formal letter. 
I am afraid I gave them too much as it is. I called XXXX again to confirm that Mt West is affiliated and this time the CSR said " No ''. I would like to request that the information that Mt West Financial ( at XXXX ) obtained from us be expunged from their records due to the fact that I believe that information was extracted under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: American Credit Acceptance, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchase a car in late XXXX through a dealership here in XXXX Florida. At the time my credit was not great, and they claimed the only lender that would finance me was American Credit Acceptance. I realize now, that this probably was not true but the finance manager made the biggest commission getting me to take this loan. The car has been nothing but problems, a COMPLETE lemon. That really is on me for not having it checked independently but the dealership made me wait while the bank " inspected '' the car. Clearly they did not as I have put over {$5000.00} in repairs and have another $ XXXX {$2000.00} to go before it is fully repaired. Anyway, that is a bit off topic but does tie in to my current predicament. My original loan agreement stated that the interest rate was 29.32 %. I expressed concern to ACA over this and now it shows only that my rate s 28 %, though my payment has not changed XXXX cent. I know the difference of XXXX and XXXX third points will not make a big difference but it has not changed at all. Also, I borrowed approx. XXXX. I do not know the exact amount but I have been paying them nearly {$600.00} a month ( with the exception of one month I made payment arrangements due to having the car in the shop AGAIN ) and last month which I have made arrangements to pay later this month. Well, all these payment were made and my balance has gone down less than a thousand dollars. From XXXX of XXXX until today I have paid them {$4900.00} and they have only applied {$730.00} of this towards my principal balance. 
Additionally, I attempted to do the math and if I were to keep this loan until paid off I will pay {$20000.00} in interest on a loan of less than {$18000.00}. I have reviewed Florida 's statutes regarding auto loans and I believe this to be usury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
In XXXX, I paid Experian {$4.00} for a XXXX score. There was NOTHING that indicated that I was signing on for anything other than that score. Today, I noticed that XXXX was charging my debit account {$19.00} for Experian. I called XXXX, and they told me there 's been a monthly charge of {$19.00} since XXXX. They called Experian, who said they would credit {$19.00}, but no more. XXXX said, with further investigation, they MIGHT be able to get a total of {$59.00} XXXX for XXXX, XXXX and XXXX XXXX. They said they could not go back to XXXX because their liability did not allow them to. I called Experian, who said they could only refund ONE month of {$19.00}. When I said that I never authorized or signed for anything other than a {$4.00} XXXX score, the representative claimed " It was on our website. '' I then inquired that if I had signed on to some long-term contract, why had n't I receive a confirming email or review of exactly the service and terms to which I had committed. She reiterated that she could only refund {$19.00}. I asked her again for the total refund of {$79.00}, but she refused. To this moment ( and I was on with XXXX and Experian for a better part of an hour ) I have NO idea what the {$19.00} monthly charge was for, or what benefit or service I was receiving for that money. I believe this is an underhanded manner to get people 's credit or debit card information and surreptitiously charge them. I told Experian I expect the full refund because I was never informed of the charge or service, and never asked for the service. Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX charge off account verification. The original creditor was not able to provide any information regarding this account to me. Experian dispute responded as verified. I don not believe they correctly investigated this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
RE : EXPERIAN XXXX XXXX XXXX Incorrect address on my credit report Dear CFPB : I called Experian in regard to an address that was not mine. Experian XXXX XXXX advised me to contact the creditor. I contacted the creditor and was informed of a system error on their part. Experian still has not removed this address from my credit report even though I had requested it removed. Please see the credit report that reflects the incorrect address. 

Please remove the address XXXX XXXX XXXX XXXX XXXX CA XXXX. The address is not mine and I never lived in California. 

Sincerely, 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 2016-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has fail to delete wrong information on my report, such as personal and accounts with recent payment that have been close. Fail to provide me with proper documentation of negative collection accounts on my report. also they are taking more than 45 days to provide me with mail in results of my disputes.

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 2015-05-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am currently experiencing extreme difficulty with the credit bureaus. Experian, XXXX, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, First Premiere, and XXXX XXXX are all in good standing. I have been paying about XXXX-XXXX % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a XXXX balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has continued to ignore my request to provide the documents that they have on file that was used to verify the accounts I disputed. Being that they have exceeded the 30 day mark and can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Account terms and changes

Complaint:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by SPRINGLEAF FINANCIAL SERVICES on XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: CA
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
this is a debt for an apartment that I signed for my son, o explained to this company. this account was a pay to delete agreement. I paid XXXX dollars to this company for this debt that I did not incurred but I signed for my son to live there so I was held liable. once I pay the debt to National credit systems I received a letter stating the account was paid, so I immediately thought the process to delete this from my account would follow. from XX/XX/XXXX until XXXX XXXX I know this account should have been adjusted. so I wrote them a good will letter and explained what was agreed upon payment and that I kept up end of the deal and they did not. I want this account deleted from my credit file all XXXX as I was paid and agreed upon. I faxed and mailed letter to this company and no response or removal of this account from my credit file. They are holding my credit file hostage with his derogatory information that was suppose to be deleted years ago. I want his account removed asap from my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I did not receive notice of debt from the primary party upon moving from my apartment. My credit report was pulled and it showed as a derogatory amount owed to a collection company. I reached out to the primary party with concerns as to why this was reported, and why I owed them, they stated it was from minor cleaning, and carpet shampooing when I moved, and stated they were no longer able to assist with clearing it to contact NCS. I contacted NCS several times and was told that if the primary party requested it to be deleted they would do so. The primary party then contacted them and asked for it to be deleted and they are refusing to do so. One customer service rep. Stated that I should just pay it and let the {$0.00} balance be reflected on my credit report, he went on to state that even if the primary party asked for it to be deleted, they will not do so because they filed it with the collection agency. I have been yelled at, hung up on, and received unethical advice from this collections agency. I was not greeted or spoke to in a calm and professional matter. I did not receive the ability to resolve the debt in a fair & professional way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am just beside myself. Equifax has repeatedly victimized me without a second thought. They are reporting information on my credit report that is NOT mine. They 're saying people can do a hard credit inquiry for " permissible '' purposes. The recent inquiries on my report DO NOT fall under " permissible '' because I have NEVER done any business with these companies. In addition, they continue to report a XXXX XXXX account as late that IS NOT MINE. Finally, they are reporting a XXXX XXXX Secured Card that my bank opened without my permission and was NEVER funded. The account was NEVER open and active. That should NOT be on my report! I have been victimized for years and I am begging for someone to PLEASE STOP THEM. I 've already proved information they claimed was " verified '' is false. Furthermore, I 've contacted the people who pulled my credit without my permission and they have no explanation. Those inquiries are illegal and need to be removed!

Company response to consumer: Closed with explanation