BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: GA
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:
I have submitted my first round of dispute letters on XX/XX/2023 and I have not received any formal response from from any of the 3 bureaus. When I pulled up my recent credit report, the items disputed were still there. My personal information is incorrect, and accounts on my credit report are still showing inacurate reporting. Please help me get these accounts deleted.

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 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
BK OF AMER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.

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 2023-01-27
Company: EQUIFAX, INC.
State: CA
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've contacted Equifax via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: GreenSky, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2022 Applied for a {$28000.00} one-year loan for house repair through GreenSky. Even though outstanding credit report rating XXXX and perfect payback history, GreenSky would only approve {$3500.00} and would not say why given credit history and rating. Asked them if we were being discriminated against given our ages, they would not respond, but just only approve small amount, which was just over 10 % of the amount need. 
XX/XX/2022, Received in XXXX XXXX mail letter from GreenSky that they 'Post Dated ' XX/XX/2022 -- see attached -- where they said 'to call or write to received specific reasons as to why they did not approve credit limit increase. ' Plus, they wrote 'they will provide a statement of reasons within 30 days of receiving this request. ' XX/XX/2022 called Greensky 's XXXX line per their letter and was told they would not comply with the letter as they don't give out that information. I repeatedly read them, 'their letter, ' but they would not comply with the document and give me any information or the statement promised. Said they would escalate to XXXX. 
XX/XX/2022 : someone claiming to be from Greensky called but would not identify themselves and their function. They and started asking for personal information -- such as birthday, which I refused, and they would Not say why they were calling or give their first name. They hung up. 
XX/XX/2022 : I called the GreenSky XXXX number again and talked to XXXX in Customer dept., who refused to honor the letter from Greensky and provide information as to reason for the credit limit and provide a statement. She repeated ignored what was in the company letter. Her refusal to cooperate and fixation with requesting my date of birth, which should not matter, clearly showed this was an age discrimination matter. 
XX/XX/2022 : Received in the XXXX XXXX mail a letter dated XXXX XXXX, 2022, from GreenSky acknowledging the complaint, but saying we were not responding. This is a lie. If it was they, GreenSky, who called on XX/XX/2022 they should have not asked for personal information without confirming it was them returning my call and giving a first name. The XX/XX/2022 letter ignores my contacting them and their failure to provide the information promised in their letter. 
I have the phone records of when I called on my XXXX if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Informative Research
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: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorize those inquiries on my accountant they refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorize those inquiries on my accountant they refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On the date of XX/XX/XXXX and XX/XX/XXXX I notified XXXX, XXXX, and Transunion about this account that does not belong to me, The companies agreed to delete the account after the investigation was concluded but the attached document will show that this account is still being reported on my consumer report. 
I explained I am a victim of identity theft, I made it clear to XXXX, XXXX and XXXX that this account is not mine. 
All XXXX bureaus have continued to report this XXXX XXXX account XXXX inaccurately on my consumer report which violates my consumer rights. 
This account should be immediately removed from all XXXX bureaus as the agreed resolution states. 
After the investigation conducted by XXXX, XXXX and XXXX they concluded that the account was to be deleted but the attached document of my newly updated credit report XX/XX/XXXX is still showing this inaccurate account on my consumer report. 
They claim to have conducted an investigation which has been proven to be false. This inaccurate information is inhibiting me from obtaining funding for a home purchase which is causing emotional distress and damages for me and my family. 
Yet again, you have failed to accurately report information on my consumer report after being notified repeatedly that this account is being inaccurately reported. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, and XXXX  should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$10000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-22
Company: EQUIFAX, INC.
State: MI
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. 

According to the FRCA The term investigate 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. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX XXXX XXXX Acct # XXXX XXXX Cred Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: ERC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
ENHANCED RECOVERY COMPANY Last reported XX/XX/2022 {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to make a payment on my XXXX, XXXX and Ann Taylor credit cards since XX/XX/22 without being able to get into the online system, XXXX XXXX or speak to anyone at Comenity Bank ( recently referenced as Bread XXXX  ) for 8 days. 
I was finally able to get into XXXX XXXX after numerous attempts and pay my Ulta and XXXX cards but still can not pay my Ann Taylor card. I called the Ann Taylor store to see if I could make a payment there and they said the system to make payments in the store has been unavailable for 8 days. I spoke to XXXX XXXX, a team lead at the XXXX XXXX store location, for an extended amount of time as she tried to do everything she could to help. All of the phone numbers on the back of the card, provided to the store and on XXXX for customer service are answered by an automated system which states the technical problem, says to call later and them disconnects your call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$280.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  XXXX. Account has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : It 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 2023-12-01
Company: ONLINE Information Services, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023, ONLINE INFORMATION SER added a derogtatory mark on my credit report per XXXX. Upon further research, the account was transferred/sold and I am no longer responsible for the account. They did not very this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.

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 2022-08-22
Company: Deinde Online Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Integra Credit is misleading their consumers and abusing the credit system. I first reported their misconduct in XX/XX/XXXX for credit inquires and a lack of properly reporting my accounts to credit bureaus. Their website FAQ section states they only do a soft pull during the application process, however, with each application I completed, a hard inquiry was placed on my credit report. During XX/XX/XXXX, each inquiry was removed from my report. 
Integra has yet to report my 1st loan payment history although they advised on several occasions they do monthly credit reporting. 
I opened a 2nd loan with Integra in XX/XX/XXXX and during XX/XX/XXXX I called for assistance due to financial hardship caused by XXXX. I was placed in a Financial Hardship Program that postpones the payment due and stops collection activity for a period of 14 daysXXXX I entered into this program on XX/XX/XXXX and the status of my account changed immediately as per the email I received and my conversation with the representative. Despite this program, I noticed today that my loan account was reported delinquent on XX/XX/XXXX with no other payment history reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Ok I have never missed a payment on anything but my credit score drops when I accumulate some cc debt. I always pay my bill and more than the minimum. My dad has the exact same name so I think I have millions of dollars out there but all paid? why would my credit drop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Atlanticus Services Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received an email at the beginning of XXXX stating that if I pay the amount due of {$110.00} by XX/XX/XXXX that I would receive a {$75.00} statement credit. I paid the amount ( plus {$10.00} extra ) by the XXXX of XXXX and it was split in to XXXX payments. I called today, XX/XX/, asking about the credit. At first she said that I didnt qualify because it had to be XXXX payment and not split in to XXXX. I told her the email never specified that and it just said to pay {$110.00} by XX/XX/XXXX. She looked in to it and came back and said that I actually didnt qualify because I made the final payment on XX/XX/XXXX, but it didnt post that day. I told her I have a statement that proves otherwise. She told me that theres no way my statement says that because its not true. She told me I didnt qualify and theres nothing she can do about it. I do qualify because I made the payment as required and it was posted in time. This is fraudulent practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, 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:
I, XXXX XXXX, am writing to complain about wrong information on my credit report. Following addresses are inaccurate and not my current or current address. XXXX 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 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 XXXXXXXX. PLEASE DELETE AND REMOVE ALL INACCURATE INFORMATION IMMEDIATELY.

Company response to consumer: Closed with explanation