BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: VA
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 very frustrated with this matter. I have been trying so very hard to have this incorrect account removed from my credit profile. This has been on my credit profile since XX/XX/XXXX. I have sent an affidavit of truth to both XXXX XXXX XXXX AND Equifax certifying that this company XXXX XXXX XXXX is in clear violation of my federally protected consumer rights. They have not supplied me with any supporting documentation showing that in fact this debt is mine. I have not received any supporting documentation from them since XXXX. I've received no phone calls. And yet, they continue to report this false information to Equifax as well as continue to add finance charges ( 15 USC1692 F ) ( 1 ) I've read the Fair Debt Collection Practices Act, and I realize that as a consumer I have many protected rights. This company has caused a tremendous amount of undo stress, sleepless nights, and extreme anxiety. I've read that it is against the law to publish any information that would be used to create the false belief that I the consumer am a willing participating in the debt collection, which I AM NOT ( 15 USC 1692 j ) Also if you take a look at the document I've provided you will see that the original creditor listed on this collection account is XXXX XXXX.. Because my name is not listed as the original creditor they are in fact in violation and have furnished a deceptive form. I feel as if since XXXX my reputation has in fact been ruined. This day and age EVERYONE looks at a persons credit report XXXX Employment, Insurance, Credit Cards, etc ) XXXX XXXX XXXX has not been fair to me. According to the Fair Debt Collection Practices Act : FDCPA 15 USC 1681 it states that our consumer reports are our reputation. Please take a look at my credit report which I have attached. This collection account has been furnished to Equifax and has immensely impacted my credit scoring in a negative way. I have take appropriate actions and doing my part as the consumer and have not heard back from either companies. In fact, the collection agency XXXX XXXX XXXX is late in giving me my requested response. Please see prior CFPB complaint number : XXXX. I filed my initial complaint XX/XX/XXXX and have yet to hear back from the company. Meanwhile my credit profile continues to be negatively impacted by this false reporting on BOTH XXXX XXXX XXXX and Equifax. All documentation was sent to Equifax via certified mail with the following tracking numbers : XXXX as well as with a green signature confirmation form stamped by XXXX XXXX with the following tracking number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax, XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the accounts XXXX XXXX XXXX  and XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the collection posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove these accounts for not complying with FCRA reporting. 
XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$100.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
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:
I am a XXXX veteran. I was living in XXXX South Carolina for 1 year. Before moving to South Carolina I purchased a XXXX XXXX. The day I was purchasing the XXXX I explained I did not want my payments to be more than {$300.00}. I was feeling unwell that day and they took advantage of me and loaded the contract with packages I was not interested in and could not afford. I was shocked to learn my monthly payment was going to be {$740.00}. I did that for a while but could not afford it. Despite multiple phone calls did the dealership to rectify the situation I just decided to pay {$300.00} a month the loan. I never missed a payment except for when I was hospitalized due to XXXX and XXXX XXXX XXXX one month and the second month I got XXXX by a XXXX. then hurricane came and we were ordered to evacuate that area. I still never missed a payment. I went to the local XXXX and took out money orders. one of them they said they never received which I strongly suspect fraud on their end. It's been a nightmare to fix this on my credit report. I no longer have this vehicle. That same month I might have been late on my mortgage payment by a day or so but I never not paid. I'm somebody that has paid everything on time and I pay more then the required amount. I've been waiting months to work on a refinance now that my XXXX paperwork has finally come through from VA. Please help get my credit score fixed so I can do refi

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On my credit report this Vendor keep appearing as an open account. I never contacted nor applied for any account with this company. It was opened fraudulent. Company name Capital One XXXX Please assist in this matter. and Have this removed from all Three credit reports agencies. Please assist and block this vendor. 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 2023-11-29
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: OH
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 filed an identity theft report with Experian and listed al large items that were incorrect And that I did not recognize. I also filed a police report with the local authorities. I informed both Experian and the local police of who I suspected it f using my identity because thru were one of very few people who had access to my personal info and are the only one who I think would stoop to that level of wrongdoing. Instead of actually investigating these claims I received an answer back within less than 12 hours stating they had completed their investigation and all of the accounts will remain on my report. I refuse to pay for a collection that does not belong to me nor will I pay any money back that was borrowed by someone else who used my name and info. It wasnt me so it isnt my responsibility. I also need my credit fixed so I can get back to my daily life. I have been saving money to buy a home and now I can not get the loan because someone XXXX  up my credit and no one will help me fix it.

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 2023-09-15
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am writing to delete the following information in my file. The items I need deleted are enlisted in the report. 
I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Theft Affidavit. 
Please delete the items as soon as possible. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am an American XXXX XXXX veteran living in the XXXX for the past 8 years, I am also a member of the XXXX XXXX XXXX XXXX. Every time I try to get a loan or credit card they deny me because all the credit bureaus in the United States give me a bad rating. I am a home owner here free and clear but none of that information is on any report. Also, they keep telling me I have not opened any revolving accounts in the past year, if I live in the XXXX why would I open an account in the United States? Also I am unable to get a copy of my credit score as they tell me I have to be in the United States. What a mess?

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 hope this message finds you well. I am reaching out regarding an issue with my XXXX XXXX account, as reported on my credit report. 

The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing. 

According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met. 

These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. 

Thank you for your prompt attention to this important matter. 

Best regards, 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 2023-05-15
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is in violation of 15 USC 1692g fair debt collection act they haven't provided me validation of debt i have been a victim of identity theft and i refuse to pay a debt that doesn't belong to me. I asked for the original purchase agreement they did not provide me that let alone a signed contract bearing my signature and this company continues to report this inaccurate information on my credit report damaging my credit. I ask that this item is removed from my credit report because all the times i asked for the original purchase agreement anybody can say you owe them money but they havent once provided me proof that i owe this debt bearing my signature phone number social anything and they havent provided me that they have the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My information has been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : Bankers XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-02
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had the accounts ( Ashley Home Store and Care Credit ) that Synchrony closed for several years. One of them was paid off last year and the other one a couple of years ago. They are both sitting at a XXXX balance. I received this letter regarding these 2 accounts and the fact that this company closed them. Every account I have had with them has always been in good standings. There was never any late payments nor over the credit limitations with these accounts. The letter I received incorrectly stated mentioning the 2 mortgages that I have on my accounts which I have had since XXXX and XXXX respectively. One of those mortgages is not even paid by me but regardless, both of them are 100 % paid on time and both of them are less than what the original amount of the loan amount meaning that they are close to being paid off. My mortgage situation has nothing to do with this company. As long as they are current and in good standings is all that is important. The other creditors on my credit file have been there since I opened these 2 accounts. There are no new creditors that have been added since I opened these accounts. And none of my open accounts are over their credit limits. Because this company closed these accounts, my credit score dropped over XXXX points.

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 2021-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
on XX/XX/2021, XX/XX/2021 XX/XX/2021 A hard inquiry appeared with the credit reporting agencies with XXXX, XXXX, XXXX from Capitol One Auto Finance. 

The inquiry was not authorized and consequently my credit scores was affected. 

I called Capital one on XX/XX/2021 for a letter I have sent to them thru fax. They are not able to locate the letter. I was told that it will take them 30 to 90 days to review the request which is referenced as XXXX 

I am requesting that Capital One delete the unauthorized inquiry. I am requiring proof in writing for the authorization from Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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:
In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including XXXX XXXX. XXXX XXXX like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of my other creditors reported me late, with the exception of XXXX XXXX ) and my score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with XXXX XXXX, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to XXXX XXXX on my behalf.

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 2023-05-17
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my profound concern and dissatisfaction with the service provided by Source Receivables Management. On XX/XX/2023, I mailed a debt validation letter to the debt collection agency using Certified Mail. However, as of today 's date, XX/XX/2023, I have yet to receive an acknowledgement or response. 

The lapse of over 30 days without a response represents a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). According to this federal law, a debt collector is obligated to respond within 30 days upon receipt of a debt validation request. Regrettably, Source Receivables Management has failed to comply with these legal obligations, causing me significant concern. 

Furthermore, in accordance with the FDCPA and given the lack of response to my debt validation request, I insist that the alleged debt collection be promptly removed from my credit reports from all three bureaus, namely XXXX, XXXX, and XXXX. This is an essential step to rectify the situation and mitigate any potential harm to my credit standing. 

I respectfully request immediate attention and action on this matter. I hope to receive the necessary validation or a satisfactory resolution expeditiously, without further delay. This letter serves as a formal complaint against Source Receivables Management and a reminder of your obligations under the FDCPA. I will also escalate this to the office of the Texas Attorney General, XXXX XXXX, as well as the Federal Trade Commission. 

Attached are three documents : 1. An email showing that the debt validation letter sent via certified mail was delivered.

2. A copy of the debt validation letter. They have not responded for more than 30 days.

3. A screenshot on the USPS website showing that the letter was delivered and picked up by the recipient.

Thank you for your prompt attention to this pressing matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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