BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I WANT TO SEE HOW AND WHEN I ASKED FOR FREE CREDIT REPORTS FOR EACH AGENCY ON THE ANNUAL FREE CREIDT REPORT WEBSITE. I DO N'T BELIEVE I HAVE CONTACTED XXXX AND RECEIVED XXXX REPORTS WITHIN A YEAR 'S TIME. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I'm victim of Identity Theft, I have been filed all necessary documents in order to remove account that listed on my credit history and only with Experian, I have Affidavit of Identity Theft, FTC Report, Police report - case number is XXXX with Sheriff 's name - Deesd ID XXXX Experian has failed to answer to my dispute that I submitted on XX/XX/2021 via certify mail FIRST class. I have attached a copy of all documents.

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 2021-12-12
Company: Foris DAX, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have a problem for about three weeks now and I can't get any help from my problem which is my card is frozen and I can't withdraw my balance I need help because I need the remaining balance badly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: C/C Financial
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
preferred lease fka mp for the amount of {$5000.00} XX/XX/XXXX acct # XXXX i don't have no recollection of this account it is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Accelerated Creditors Services, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Visited urgent care XXXX/XXXX/XXXX. Received bill for services with balance owing {$130.00} in XXXX. Set up and paid 3 payments in XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX with balance paid in full with XXXX payment. Received notice in mail XXXX from debt collector Accelerated Creditor 's Services with a balance due of XXXX. Called urgent care XXXX and was told final bill was sent in XXXX, stating that collection efforts would start 14 days if not paid in full, and that 35 % fee would be added to balance. This information I requested to be faxed as I did not receive. Fax received XXXX showed letter was sent to wrong address, the letter was addressed to different address than mine. I was not notified of final bill and collection efforts of 35 % of balance due in fees. Was told by urgent care XXXX that balance reported to credit bureau and collection efforts would continue because I did not respond to XXXX letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, 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:
Notice to all, I am, the consumer in fact, natural person, original creditor, lender. 

Fact, Chapter 41, Title 15 of the U.S. Code and the Gramm-Leach Bliley Act are intended to secure my right to privacy. My privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX XXXX and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof pursuant to the attachment labeled as Exhibit A and 15 USC 1681, Equifax is an elaborate mechanism and has no affiliation with the US government . Equifax has not been fair and has disrespected my right as a consumer to privacy.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Equifax violated 15 USC 6802 as no financial institution may disclose nonpublic personal information to a nonaffiliated third party ( Equifax ). Equifax is a nonaffiliated third party and may not disclose my nonpublic personal information on any consumer report nor to any of its affiliates including but not limited to The Work Number and XXXX XXXX. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, Equifax violated 15 USC 1681c-2 after I mailed them an identity theft report and supporting documents which served as proof that the accounts listed in the report were a result of identity theft.

Fact, affiant is aware and has proof pursuant to 15 USC 1681h, Equifax has not under the condition of making disclosures, required me to furnish proper identification, provide written or any other disclosure.

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681b, Equifax may not furnish a consumer report without written instructions from me, the consumer. As the consumer who was violated, I am requesting all inquiries and the following fraudulent accounts listed below be removed from my consumer report within 14 days of receipt of this affidavit : 1. Dept of EdXXXXall accounts XXXX XXXXall accounts XXXX. XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I am also requesting the following fraudulent inquires be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Equifax Mortgage Services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Southwest Credit Systems, L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was sick in the Winter of XXXX and then got XXXX at the beginning of this year. Due to those hospitalizations, I did not receive a lot of mail on time. One of those mailings was from XXXX who turned it over to be collected by Southwest Credit Systems a.k.a. Southwest Credit Group. When I got well, I tried to call XXXX and they informed me they had already turned it over. I then immediately called SWC Group and paid the bill. I then asked politely for it to be removed from my credit so that I didn't have to suffer a bad ding on my credit for the next 7 years ( SWC Group had only put it on my credit in the middle of XX/XX/XXXX ) and I was told that they don't remove but would mark it paid. This is not acceptable. It was only on my credit for 2 months and I didn't have a chance to dispute it, validate it, or pay it prior to it being put on my credit, because I didn't get the notice in the mail. 

I then wrote a nice and professional letter to the CEO of SWC Group, XXXX XXXX, asking him in good faith to please remove this from my account, but I never got a response. 

I am a Veteran, who served this country in the XXXX XXXX and can not even get my VA loan to purchase a home due to this issue and I do not believe it is right. I can understand if I let it sit on my credit for years and ignored it, but I took care of it right away and expect them to be understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. After the consumer credit transaction, I was not expecting a bill. I sent a very detailed affidavit of truth with evidence of all the issues I had with the contract and how they are attempting to collect an alleged debt. I am the natural person and the original creditor. I extended my credit with my credit card as described in 15 USC 1602, and was extended credit in a consumer sale. They are now claiming that they originated the credit I extended to them, in which constitutes as fraud. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal. I tried to send my affidavit of truth with evidence, cease and desist, and notarized XXXX to XXXX XXXX XXXX XXXX using the address that was provided, but it was returned due to being an invalid address. This corporation doesn't even have a valid address to receive disputes. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with XXXX XXXX XXXX XXXX. I have escalated this issue to the FTC, as seen in the attached documents.

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 2016-08-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XX/XX/XXXX I filed a request for an investigation about XXXX XXXX reported an incorrect balance on my credit report. They stated that I owe {$1500.00}. This is incorrect. I only owe just over {$1100.00}. They took me to Magistrate XXXX XXXX 's office, and he lowered it. 
I sent Experian a copy of the original paperwork from XXXX stating the {$1500.00}, and the Magistrates ruling of just over {$1100.00}. They stated that there was nothing incorrect. I sent proof and requested that it be removed from my credit because it was incorrect. It was not done. The original debt is from XXXX XXXX XXXX, XXXX XXXX is a third party who purchased the debt from XXXX XXXX XXXX. I can send supporting documents if they are needed.

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 2022-07-21
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:
I am submitting this complaint to remind the Credit Bureaus of their obbligation to comply with the Fair Credit Reporting Act section 605b. I have read that the Credit Bureaus are required to remove the items that resulted due to identity theft under the FCRA section 605b. But despite all my efforts to dispute the fraudulent information on my Credit Report, the Credit Bureaus have been ignoring my letters and did not comply with the FCRA regulation. I am inclined to pursue legal action against the Credit Bureaus if the Credit Bureaus fail to comply with the FCAR statute. I need the Credit Bureaus to remove the following items completely from my Credit report : XXXXXXXX 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
Consumer complaint received 2016-09-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am attempting to refinance a mortgage with USAA. The company is holding up the loan at this point because there was a dispute on my credit report - not an " open '' dispute, a resolved dispute. Their last email said " XXXX XXXX is showing the disagreement code with a resolution of dispute on your credit. This is what underwriting needs removed. '' XXXX XXXX on their part sent the disagreement code, which I am fine with, and resolving the dispute. 
What I am understanding from USAA is that they want that to be undone, which XXXX XXXX can not do. 
A day later, after I inquired as to why such a holdup, about a credit card account with XXXX balance, and whether the issue is risk or something else, I received a response stating " Our underwriters do not manually underwrite files. '' At this point, I am at a dead-end. XXXX XXXX did their part and sent a resolution code, but I suppose USAA still can not accept that as an answer. The only option is to go back in time .... ( I will not continue this sentence - they are not giving me a resolution. ) I feel that USAA should be able to manually underwrite my loan. 
Now, I started the process XX/XX/XXXX, and even though USAA apologized for the delays, they have been pushing the closing date since XX/XX/XXXX. At this point, I do not think I will be able to close because I am deploying in about 8 days to the XXXX XXXX. The current interest rate on the house is high and I have wanted to rectify this issue for a while.

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 2020-06-13
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I checked my XXXX credit report and noticed a collection from Jefferson Capitol Systems was placed on my credit profile for a XXXX debt of {$400.00}. I proceeded to call the company but no answer due to the weekend. I did use the automated system that then told me the alleged debt was transferred to another company XXXX XXXX XXXX. If the supposed debt was with XXXX XXXX, then why does their automated system tell me it was transferred. How can XXXX XXXX report on my credit profile something they dont own? I also did not receive any notification of the alleged debt from either company giving me 30 days to dispute the information and request verification of alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: MD
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 am sending this complaint because I still believe there are some errors on my credit. I would like Credit Bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable, or incomplete. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} ; 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 2017-05-22
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Lease w  as opened fraudulently using my personal information. Reporting inaccurate information to credit reporting agencies. I have advised Toyota Motor Credit that a lease that is showing up on my credit report is fraudulent and does not belong to me. There is a long track record of me notifying them that this is not my account. I have advised the credit bureaus directly as well as the lease company. There have been multiple FCRA and FDCPA violations both in part of the creditor and the credit bureau. My letters to the creditor have been ignored and no attempt at resolution has been made by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Paramount GR Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My mother XXXX XXXX was told by a rep from XXXX XXXX  that if she got their services she would not have an electric bill and more and just make her loan payments reg loan payments which are XXXXWe were told wishing 60 days the panels would be up and running, till this day the project isn't complete and our roof was damaged plus we have been paying both electric and loan payments since this started in XXXX of XXXXFrom the time the contract was singed we asked for a copy and could not get one.We had to get an attorney to give us a copy of the solar power contract, just a little bit before that we got a copy of the goodleap contract.We asked and waited and waited.We found that there was an erroneous email listed on both contracts which is why we did not receive then until mush later.The loan company gave no explanation as to who's email address it is and who gave it to them.There was an erroneous yahoo address that had my mothers name in it, we have never seen it ond no one could tell us who gave it to them.The solar power company claimed it was pulled from the electric company contract which was false.the electric company contract had the correct one on it.That means someone put this address that they had access to on my mothers contracts and had been getting her emails. THESE PEOPLE ARE FRAUDS AND WE WANT LEGAL ACTION TAKEN. THEY CAN NOT TELL US HOW THIS HAPPENED. CONVENIENTLY THE 3-DAY CANCELLATION PERIOD WAS UNKNOWN TO US UNTIL WE FINALLY RETRIEVED IT, HAD PASSED. WE WANT THE CONTRACT ELIMINATED, THESE GUYS ARE CON ARTISTS.ALSO, WE LATER FIND OUT THAT AFTER 18MO PAYMENTS GO UP TO {$450.00}, WHICH WE WOULD NOT HAVE MOVED FORWARD WITH HAD WE HAD OUR CONTRACT TO REVIEW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX Experian said in there relief on original case XXXX they would remove the XXXX XXXX credit cards that are not mine. I have a updated XXXX/XXXX/2017 credit report from experian they do n't have to listen to you. they not removing these XXXX fake XXXX accounts from my credit report. if you could contact them about the relief they told your agency. It would be greatly helpful. They are on my credit and ruining my credit because they will not do what is needed and what they said they would do. I do n't know how to show they file from my first case information in case 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 2016-09-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a credit card account with a credit union which later was charged off and turned over to their representing law firm. I had an agreement with the credit union 's representing law firm to pay them off, which I did in XXXX. The law firm supplied me with my paid in full and satisfied letter in XXXX XXXX. I promptly sent the letter to the XXXX credit bureaus to update the status of the account. Experian contacted the credit union and was told not to update my credit information and stated that it REMAIN. I am asking the credit union to honor their representing law firm 's paid in full letter as close out of that account. Experian refuses to accept the firm 's letter as proof of payment because of the credit union 's remark. What can I do to correct this denial of my updated information?

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 2016-08-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I SENT A LETTER ASKING FOR VALIDATION TO THE CREDIT REPORTING COMPANY AND THEIR FINAL ANSWER WAS ALL INFO IS REPORTING VERIFIED BUT THATS NOT WHAT I SAID I ASKED FOR VALIDATION. THESE ACCOUNTS HAS NO PAYMENT HISTORY EXCEPT FOR THE MONTH I ASKED FOR VALIDATION SO THEY IN RETURN REPORTED PAYMENT OK BUT HOW? ACCOUNT BEEN CLOSED FOR TEN YEARS AND THAT ALSO HAS THE ACCOUNT NOW REPORTING CURRENT. SO IF THE ACCOUNT IS GOING TO REPORT CURRENT WHY THEY DO ADD THE CORRECT ACCOUNT AGE? ITS XXXX ACCOUNTS WITH XXXX XXXX, XXXX WITH XXXX XXXX, XXXX WITH XXXX AND XXXX WITH XXXX XXXX BUT ALL THESE ACCOUNTS WAS CONSOLIDATED OVER 9 YRS AGO

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