BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Beginning in XXXX, I began receiving phone calls from debt collectors attempting to collect a debt from " XXXX XXXX ''. No matter how many times I told these debt collectors I am not and have never been XXXX XXXX they continue to call about my student loans owed to XXXX  XXXX University, which I have never attended. I even received certified mail from XXXX  XXXX University discussing the amount that I owe and that I am delinquent. I returned the mail that came to my personal address back to the post office and explained the situation. I also contacted XXXX XXXXXXXX University and explained the situation. They assured me that it would be taken care off, however, the calls for debt collections continue. They have called my brother and my mother and have been demanding and act like my family members are lying to them about my never being XXXX XXXX. I did an internet search and learned that my phone number and address, somehow, were put in association with this XXXX XXXX. I contacted white pages and advised them that their information is inaccurate, although i'm not sure how many other places have that same incorrect information. I work for a police department, and the assistant chief has an open identity theft case from XXXX of XXXX after I knew the calls to my family and I were not going to stop. The officer that has the open case spoke with XXXX  XXXX University and a couple of the credit " outsourcers '' about clearing my number from their records because I am not XXXX XXXX and I have never attended XXXX  XXXX University. As of XX/XX/XXXX, I am still receiving harassing phone calls from outsourced debt collectors looking for XXXX XXXX and no matter how many times I request to be taken off of their lists and that I am not who they are looking for, they continue to call. They continue to treat me as though I am lying to them about my identity, and they still continue to call my family. I have done everything I know how to do at this point, and the calls will not stop. The outsourcers also can not give me any information on how my number and address came to be associated with XXXX XXXX, because I don't even know who she is. I'm not sure what else to do at this point, but every incident gets reported to the officer that is working my case. Maybe this report will help as well.

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 2022-11-10
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX ID XXXX CFPB Write up ======================== In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX. XXXXdept Of Ed - XXXX XXXX XXXX XXXX  Bal : {$12000.00} Credit Limit : N/A- has violated my rights. 

XXXX XXXX Account # XXXX - has violated my rights XXXX. 
XXXX XXXX - XXXX Account # XXXX - has violated my rights XXXX. XXXX Account # XXXX - violated my rights XXXXDEPT OF ED Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Previous attempts ( complaints ) to remedy the situation have not been addressed. Simply sending me the terms of my lease agreement does not answer the question as to why I was reported late XX/XX/XXXX and XX/XX/XXXX due to well known errors and deficiencies and the GM financial website. The GM financial website Displayed a XXXX  balance owed in XX/XX/XXXX. Based on this information no payment was made. The XX/XX/XXXX payment was made a few days late which caused a 30 day late assessment. This again occurred for XX/XX/XXXX causing a cascade effect. The fact that GM financial uses this website to except payments should imply implicitly that the information displayed on the website is correct. It was not. The website has been updated and corrected which now shows the correct payment amount. This in itself, clearly implies that GM financial was well aware of the problem. I would like the XX/XX/XXXX and XX/XX/XXXX late payment reports made to the credit bureaus reversed. I am guessing there are thousands of other customers who experienced the same problem which has other implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've been having the hardest problem dealing with someone using my personal information to open accounts in my name without my consent. I've filed police reports and FTC report trying to clear my name but i'm not having much luck.

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 2022-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I'll have made repeated attempts to have this collection removed from my account. It is illegal and was a debt that was previously discharged in bankruptcy. This company has intentionally affected my credit to get {$700.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$450.00} on the XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a XXXX account and shortly thereafter decided to cancel this account. I followed the cancellation policy outlined by XXXX. I even took it a step further and went to ( 2 ) stores and spoke with a supervisor at each store to confirm the account was cancelled and in good standing. On both occasions, each representative told me that the account was paid and in good standing and that the account was in fact closed and there were no issues with the account. I later spoke to the regional director of XXXX, and he too looked up my past account, and confirmed that the account was in good standing and there were no issues. I did not receive documentation from XXXX that this account was in jeopardy. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance to report and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: IL
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:
Dear Experian Thank you for sending me your internal records of the debt ( XXXX XXXX ) ACCOUNT # XXXX. I was Provided FACTUAL EVIDENCE by XXXX XXXX Manager, a contract with my alleged " signature ''. On the contract it has in RED STAMP that says " PAID '' with completion date XX/XX/XXXX. HOWEVER on the contract it states the FINAL PAYMENT was due on XX/XX/XXXX. How could this be a CHARGE OFF account if the payment was due only 20 days after the due date? which is PAID IN FULL. Please delete this account immediatly. I also have circled the date on the contract that says this account was opened on XX/XX/XXXX HOWEVER all three reporting agencies have different dates that says this account was opened in XXXX and XXXX? With so many inconsistencies regarding the account in the ( DATE OF LAST ACTIVITY ), ( DATE OPENED ) ( CLOSED DATE ) ( DATE REPORTED ), ( DATE OPENED ), ( ACCOUNT STATUS ) ( LAST PAYMENT ) & ( CREDITOR REMARKS ) section. This can not be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. i have attached my LEASE for address verification and SS # AND DRIVERS LICENSE best regard 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 2023-08-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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:
These unknown hard inquiries were placed on my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: GA
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 paid off my XXXX XXXX  auto loan in XX/XX/XXXX. 
This event caused my Equifax FICO score to go down XXXX XXXX. My XXXX  FICO score to go down XXXX XXXX. My XXXX FICO score to go down XXXX XXXX. 
How long will Fair Issac Company be allowed sell a product that is unexplained, unbelievable, contrary to common sense, and damaging to ALL Americans. 
Equifax, XXXX, and XXXX are all partners in this fraud. 
Please use your authority to fix this XXXX on the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Consumer agency is reporting a civil record that is fraudulent. 

Case # XXXX is fraud. Remove off report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
law saids they have 30 days its been 35 days remove the ftc violations two XXXX  XXXX bnak all inquires 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2020-03-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Experian credit report shows a status of, " Discharged through Bankruptcy Chapter XXXX / Never late '' as of XX/XX/2020 against my mortgage. 

The problem is that my mortgage was NEVER discharged through bankruptcy which they should know because my mortgage is through them. 

I would really like to get a mortgage with a lower interest rate and this is preventing that from happening.

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 2023-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2020-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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: Investigation took more than 30 days

Complaint:
law saids they have 30 days its been 35 days remove the ftc violations two capital one bnak all inquires XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received a debt validation letter from this company via mail or electronically.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
We purchased XXXX XXXX XXXX XXXX  XXXX with traded my XXXX XXXX XXXX XXXX and {$4000.00} down payment on XXXX, XXXX and deal was done and weve been driving the car almost a month. 

I realized that Ive received so many denied letter from BANK and I checked the my credit check history and I found out the dealer has checked my credit after our deal and got so many hard inquiries then my credit score is dropped for XXXX My XXXX XXXX also havent paid off yet so we called the dealer and they told us that the bank denied the financing We were like???? We already done the deal and its been already a monththe dealer never contacted us or notified regarding the financing. 
We are the one who contacted but the dealer should contact us They offered us another deal which we pay {$25000.00} more down payment or get co-signer or return the car back We tried to contact XXXX XXXX also customer service but they told us the vehicle hasnt registered under my name so they cant do anything When We return the car and get the traded car back and down payment back but. 
Isnt illegal that after deal is signed and a month laterthey cancel the deal??? 

When we asked them to provide deletion letter for the hard inquiries because of them, they told me that they can run the credit within XXXX after I sign the credit application..yes I did sign but its only for the day we got deal and deal was done on XXXX, XXXX but they run my credit without my authorization on XXXX and XXXX, XXXX and they didnt even contact or notify us regarding financial issue they had.we are the one who figured out by denied letter from Several banks and contacted the dealer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the follow-up to a complaint ID XXXX that was closed without resolution. The information that the company provided is attached. This did not resolve the problem. The questions that I have for the mortgage holder at this time are as follows : Were any of the checks that were sent cashed? Can you provide a copy of who signed for them to be cashed or deposited. The Credit Union that my father uses does not have any of the funds returned. I, XXXX, have not personally seen these letters or cashed any of these checks. I am the POA for my father who had a XXXX, therefore he has not signed or cashed any of these checks. The letters/checks that were addressed to my mother, XXXX, should have returned to you as she expired in 2011. I have talked to the current holder of the mortgage and they have told me that they have never received any funds from Citibank. The automatic payment transfer to the new mortgage company was set up at the time of the transfer from your company to the new servicer. While I do understand the response, I do not know what has happened to all of the money that was removed from the account since none of the checks were ever received or cashed by either myself or my father. Please provide information if these checks were cashed or deposited as my father has only one account.

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