BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried to contact the company XXXX to find out who what where and when this account was opened but have gotten little to no help with this it seems like you can put info in online to get the credit card. It is reported three different times twice XX/XX/XXXX and XX/XX/XXXX. I want this to stop affecting me very time I go to buy anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Chapter XXXX Bankruptcy that was discharged on XXXX/XXXX/2016. In XXXX I started disputing items on my Equifax credit report because they were not updated and my bankruptcy was not in my Public Record section. I attached my Discharge to my dispute and some things were updated while others did not. I filed a second dispute with the same information. When I complained I was told to call their problem resolution line. I explained to them that not only, had I submitted my actual discharge to them, but they were the only credit reporting agency that had not updated my credit report. I was told by Equifax that the Court had to electronically notify Equifax. I called the Court and was told, Equifax just needs to pull it from the Public Record. I called Equifax back and told them what the Court had said and again Equifax told me that the Court needed to send me something. So now I am asking the FTC to step in and help me get the Bankruptcy added to my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An apartment complex has sold a debt to XXXX XXXX in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and XXXX XXXX. Both equifax and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debit, and they will not provide me with this verification. The reporting agencies and XXXX XXXX refuse to remove the account from my report and my next step is legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
During a period between 2009-2014 I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX REC XXXX XXXX XXXX XXXX $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The information on my credit report for all XXXX credit bureaus is not mine. The name, and date of birth do not match mine. The accounts were opened before i was even XXXX years old. I just turned XXXX and all of this is affecting me because i am a XXXX and because of the false information of my credit report i ca n't get a credit card, i ca n't apply for student loans, get a car, or even rent an apartment to live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I mailed my first letter to Experian XXXX XXXX, 2015 and about 20 days later I received a letter from them stating that : " we have received a suspicious request regarding your personal credit that we have determined was not sent by you. We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. " I immediately sent them a letter explaining that it was not suspicious and how offended I was by the letter and recieved no response. I called them and gave them a list of items to dispute with explainations. They refused to use my explainations ( verifcation and validation ) stating that they were not valid reasons, they would only allow me to say not mine, wrong balance, wrong account number ... After waiting 45 days I still had no response and once again I called them. They said they had finished the investigation and that I should have received the results but I did not and that they would mail it again. They did and I sent another letter mid XXXX asking them to investigate once again and they refused stating that : We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. " Experian is violating my rights and the rights of others to dispute and correct errors on our credit reports. Is there anything that can be done to put a stop to there ridiculous tatics? 

Please help! I can be reached @ XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
So many inquiries that I have no idea, so many paid accounts still show

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 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went chapter XXXX bankruptcy and was fully discharged in 2014. I monitor my credit reports weekly and I notice that XXXX who was included in the Bankruptcy continues to contact the reporting agency 's each month reminding them that I was Bankrupt in 2014. It causes a red flag as my credit card recently alerted me when applying for credit. XXXX is the only creditor who does this and I believe they are allowed to continue to remind the agency 's since the case was discharged fully in XXXX 2014. I will attach a copy taken from my Transunion Credit 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 2015-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received a phone call XXXX about a traffic citation that occurred in XXXX XXXX Florida XX/XX/XXXX XX/XX/XXXX. The citation # issued that date XXXX. That is exactly XXXX years, XXXX months, and XXXX days from today. I never received a notice in the mail XXXX about this debt, but yet the company placed erroneous information on my credit report. I paid all of my outstanding tickets XXXX which allowed me to have a valid FL Drivers license and has been active for more than XXXX years. XXXX XXXX never submitted to me anything in writing about the debt and have not validated that the debt actually exists. The XXXX XXXX XXXX XXXX XXXX Court does not issue any licenses without paying outstanding citations. I do not owe the XXXX XXXX XXXX XXXX Court for any citation nor have I been notified of any outstanding debts from them. All debts have been satisfied. XXXX XXXX only reason for reporting this information to the credit bureau is to discriminate against people of monority descent. We ask that you intervene and request that XXXX XXXX provide proof that there is an outstanding debt and that it actually has ownership of the debt from the original creditor. I checked the XXXX XXXX XXXX XXXX Court website today and did not find any traffic citation that matched the one reported on my credit report. See web link XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Equitable Acceptance Corp
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
A company by the name of XXXX XXXX XXXX was automatically drafting a payment out of my checking account for my federal school loans for approximately one year. The yearly enrollment update comes around, and they want to increase my payment dramatically. I contacted the U.S. Department of Education, and the representative told me she had never heard of XXXX. She gave me the number to the company they had listed that was handling my school loans. When I called, the representative told me they never received any of my payments for the loans. He also said they had received numerous complaints about XXXX and recommended that I file a complaint with this company. Another representative, from XXXX XXXX, told me XXXX XXXX XXXX falsified my information on their forms to meet their needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ad Astra has been falsely reporting information for 3 years. Ad Astra did not respond to a debt validation request within the time-frame as set forth by the Texas Finance Code and FDCPA. I have attached a timeline and PROOF in the form of USPS tracking and successful faxes. They have falsified dates with the intent to deceive. They have IGNORED Cease and Desist letters that I have sent. I have also disputed with Credit Bureau with no results. It is my assertion that the credit bureau merely take Ad Astra 's word and do not truly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion keeps deleting and reinserting a charge off account from XXXX ( XXXX ). This needs to stop. This account is old and past the statute of limitations so why now is it being reinserted. Transunion needs to be held accountable for providing accurate credit reports. This is extremely damaging to my credit score. I have retained an attorney and if this account in not removed permanently I will be forced to pursue legal action against transunion and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Over the past 2 years I have disputed a judgment that was dismissed. I submitted several complaints to both Equifax and CFPB and no favorable actions manifested. On XXXX XXXX, XXXX a representative indicated the investigation was complete and that traditionally when evidence of a dismissed judgment is provided then removal follows the investigation. I provided with my complaint the documentation which has been attached for your review. However, another Equifax representative, XXXX XXXX indicated on XXXX XXXX, XXXX that there would be no removal since the court placed the judgment on my credit record. I confirmed with the administrative assistant for Honorable Judge XXXX of the XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX if this judgment has been placed by the court unto my credit record and was advised no and to dispute with Equifax. I demand that this judgment is removed from my credit history. Furthermore, I received notice of the class action settlement regarding Equifax report listing a judgment marked as open a month or longer after they had been paid, vacated or dismissed, and consumers who complained to Equifax about inaccurate judgment listings will receive a complimentary credit monitoring service. The solution is not a free credit monitoring service instead I demand that erroneous information is removed from my credit history. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am having a bear of a problem with Equifax. Back in late XXXX, I sent them a letter asking them to investigate mistakes that appeared on my credit report with their organization. From what I understand, they are supposed to respond within 30 days. I have sent them a bunch of letters asking for a response, but Equifax just does n't respond. I just do n't know what the problem could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SC XXXX Acct # XXXX Reporting to XXXX   {$960.00} This Debt is not mine. Attached is Certified Mail Receipt of yet another letter asking for a contract with my signature from their firm.. Not some made up bill, not another just pay this letter ... ..If they can not show us a contract between me and XXXX XXXX  with my signature, then this must by law come off my credit. Ive written over 15 letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have repeatedly advised Trans Union that the following requests for my credit were not authorized. They refused to remove the fraudulent inquiries and they continue handing out my credit report without proper authorization. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2015 Furthermore, I do not have a XXXX loan. The went through some kind of acquisition and/or company split and they are reporting an account late incorrectly. My account was paid off years ago and was never late. It was constantly in an in school deferment. Transunion refuses to fix the error.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
items on my credit report are old and chargeoff, accounts that i have paid are still showing late payments on my credit report. please help me get these issues resolve from damaging 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 explanation
Consumer complaint received 2016-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion refuses to remove the XXXX XXXX account despite both XXXX and XXXX doing so. I have provided proof that the creditor has requested it removed via the cfpb. Further they will not send my full file disclosure nor will they block the unauthorized inquiries or XXXX. I have sent them multiple disputes to no avail

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 2015-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been disputing a fraudulent reporting from XXXX XXXX to Transunion about a zombie debt that has fraudulent activity dates and the California status of limitations expired for the last 3 years but Transunion has not done a deep and effective investigation and keeps accepting reports on this invalid debt to this date. I am trying to dispute it, but I am being denied online access and they say the record has been disputed already and that I have to contact them through a P.O. BoxIs this never going to end? Is there a complacency from Transunion toward XXXX XXXX on this matter to let them post monthly updates on an invalid and fraudulent debt collection?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I am XXXX XXXX XXXX during the month of XXXX XXXX XXXX I purchased a XXXX Nissan Versa from XXXX and my car loan was handled by XXXX. I have recently become aware of the fact that allyauto has been ordered to pay back customers that were profiled and charged higher interest rates because of race and ethnic background between the years of XXXX. Being that I am a XXXX citizen and I acquired a loan through XXXX i am concerned that I may have been a victim of this XXXX way of business.

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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 convertgent account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. stats i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without mt 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 2016-12-21
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls to our home, and both cell phones from this number claiming to be ally credit ( my husbands car leasing company ) for a few days and then XX/XX/XXXX they called all three numbers within seconds. 

Gave false information and wanted our loan and or social security number when I returned called them. When I questioned them they gave false information on who they were and I reported them to the fraud dept of Ally bank but they are harassing consumers and need to be stopped. 
They are calling from XXXX and telling me their call back number is XXXX both numbers are NOT ALLY bank numbers. The supervisor game me false information XXXX ID # XXXX. 
I called them back to stop the harassment. These numbers are now blocked from my home and cell phones but they are trying to scam.

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 2015-12-16
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to a modification on our property for 3-4 years and still have not been settled. Started with CitiMortgage. First attempt, " denied '', income too great. They looked at previous years, not the reduced income to occur in the immediate future. Second attempt, " denied '' currant on payments, we were told we would have to get behind in payments, which we ended up doing. Third attempt, they lost paperwork and we were told we had to get currant with payments. We could not do that and they would not accept partial payment. they said all or nothing. Then it went into Forclosure and we found out it that XXXX turned the loan over to Seterus as the new servicer of the loan. It went into court for a Foreclosure date. Seterus agreed to attempt try for modification. XXXX requested that we go thru XXXX to assist us. we went thru the program and took the financial help class. We received approval and final modification documents, Took them to XXXX, signed them, notorized them and they were sent back. Payments to begin XXXX XXXX, XXXX. Tried to get auto pay set up for payments. Denied for that process, informed that figures in final modification documents were incorrectly calculated. were in the process of correcting and sending out the new documents. in the meantime went to Foreclosure court on the XXXX of XXXX XXXX. House was turned back over to XXXX. Received XXXX documents that evening. Signed, notorized and sent back that day. Been informed by Seterus that them documents figures are still incorrect again. we are still waiting receipt of the XXXX set of documents. Told it would be middle of XXXX, with XXXX payment of XXXX XXXX. We have continued to make our trial payments since XXXX XXXX. Also informed that none of the payments are credited toward the loan itself. Still do n't know if XXXX documents will be correct. This process has been a burden and stress on the family. I feel that this process has gone on long enough, longer than anyone else that I know that has went through a modification. Nobody knows what else I can do, or other actions to take. ( ie Lawyers and financial advisors )

Company response to consumer: Closed with explanation