BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: FC HoldCo LLC
State: NV
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:
The loan company stopped credit reporting in XX/XX/2023 and continue to report that I am 30+ days late since this date. This is not correct. It took them 30+ days to get me my payment history and they never updated my credit report. I have filed disputes and they still wont correct it. Since the date in the documents I have continued to pay them monthly. They did update their payment portal in XXXX which caused a change in some account numbers, this is not an error the consumer should be paying for. They need to get this corrected and merge the accounts and be ethical and honest about the credit reporting. I want my payment history fixed on my credit reports!!!

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 2023-07-27
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 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 2023-05-05
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:
Despite numerous written requests, the ITEMS listed below continue to appear on my credit report, in violation of the Fair Credit Reporting Act. The bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame allowed by law, they failed to investigate the problem effectively by employing a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my efforts to handle it directly with three CREDIT BUREAUS, they are willfully negligent and in violation of federal statutes, and I need this matter fixed as soon as possible. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXBalance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXXXXXX 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 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 2021-10-01
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is. A fraudulent debt for. XXXX in. The amount of XXXX. That. Was fraudulently put on. My. Locked credit profile as a. Collection. This debt was sold. 3-4. Times and removed previously by all. 3 credit bureaus.. I filed a police report online and in person several years. Ago.. 


This. Fraudulent. Debt was the original cause of my credit file being locked and. I have. To keep having. It removed every few. Years.. 


Credit Resource. Mana has no right to put any charges on my credit and this fraudulent. Charge. Was. Placed on my credit profile from a. XXXX debt that was removed as. XXXX and by several other entities that XXXX  sold the. Fraudulent debt to. Over the years..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: HW Holding, Inc
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Hunter Warfield ( XXXX XXXX ) stating I owed {$520.00} on XX/XX/2018. XXXX # XXXX and Hunter Warfield # XXXX. 
I replied asking for validation of debt and explained that the dishwasher had been returned. I sent the confirmation letter from XXXX stating it had been returned. 
I sent a check in the amount of {$66.00} which would cover the amount in full that I would of owed but Hunter Warfield returned my check. 
I do not owe {$520.00}. I do owe {$66.00} but the are refusing to except that payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: FC HoldCo LLC
State: VA
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:
I requested proof of inquiry and was told that don't have proof so I asked them to remove them and they said no

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 2021-10-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Since XX/XX/2021 I have been trying to make a substantial payment on my XXXX XXXX Credit Account, only to be stymied by XXXX. XXXX XXXX  and their subsidiary, Synchrony Bank who fail to maintain current addresses and phone numbers with which to communicate my payment information in the amount of {$4900.00}. Meanwhile, they continue to charge me sky-high interest rates on money they would have received weeks ago had they provided a valid means for doing so!

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 2019-01-02
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On multiple occasions I have contacted Navient requesting to get my student loans lowered and get my brother off as my co-signer. Each time I speak with someone I am told something different and that they can't do anything for me. They will not lower my student loans because they base my payment off of mine and my brothers income which is unfair. I need to know how if what their doing to me is legal, not allowing me to dismiss my brother from MY loan as a cosigner and not letting me use the programs offered for payment plans, something doesn't match up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NH
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:
Good morning, ai hope this email finds you well. I am hoping you could help me. I have been very ill and could not pay back all my credit cards with large interest rates so I called my creditors around XX/XX/XXXX to find out if there were programs available. XXXX XXXXk assured me that my credit cards through them could be switched to a reduced interest amount that I would pay evenly over 5 years and then we would part ways. The individual offered to place my hot topic credit card also under this program so I thanked him. They supposedly placed me in the program and set up a schedule of payments starting XX/XX/XXXX for the amount of {$14.00}. The representative set the payments up for the XXXX of every month and when I questioned if it was OK that it was after the XXXX of every month due date he said yes because I was setting up all my XXXX XXXX XXXX XXXX. Around three months of these payments went through when my credit report said I was 90 days past due on the account. I called XXXX back and pointed out this mistake. They apologized and said the gentleman that took my call at XXXX ( in the assistance dpt ) didn't finish placing me in their assistance program and that he did it " wrong '' and that representative was going to fix it. The amount went to {$15.00} even a month. The false reporting kept happening. I contacted Experian 4 times to say XXXX are ruining my credit report falsely and that I never missed a payment. I showed them proof that I had been set up in a payment arraignment and showed proof I never missed a payment ; I showed letters from XXXX apologizing for the error, crediting the late fees back, and assuring me they would not report this to the credit reporting agencies. Experian finished their latest review of this complaint yesterday and no matter how much evidence I continie to give them they listen to XXXX and insist I am now 60 days past due. I go to XXXX XXXX account login page and it still insist I'm 60 days past due although I have never missed a payment. I have contacted XXXX six times and Experian five times. I even sent emails on my XXXX XXXX account asking XXXX to stop falsely reporting to the credit agencies and they assure me they would ... and they don't. It's been since XXXX that I have been dealing with this and I am unwell. I am at a lost how to make this company be honest.I have yet to miss a payment. I couldn't stop paying without a phone call even if I wanted to because they set up automatic payments. Payments I couldn't make on my own without a representative setting it up for me. Ty for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: Hosto & Buchan, PLLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XXXX, I received notice of a default judgement that had been ordered against me to pay a debt owed to XXXX XXXX XXXX. In the judgement, it was detailed that I had been served with a citation and petition on XXXX at an address I had moved from on XXXX. The move was significant and long distance. I had not received any notice of pending action, nor was I living in the jurisdiction of XXXX XXXX- where the default judgement was brought. This is a clear violation of the FDCPA section 811 ( b ) which requires collection attempts to be made only in the jurisdiction in which the consumer resides at the commencement of the action. 

On XXXX, I contacted the firm that led the debt collection case in an attempt to resolve this matter. They stated that " The best address we had for service of the suit was [ in ] XXXX, Texas XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was a victim of identity theft due to my personal information being involved in the XXXX, Transunion, and XXXX data breach. I tried resolving this already with XXXX, Transunion and XXXX but they willingly ignored my disputes and infringed on my consumer rights. I did not submit my FTC report in error or material misrepresentation. These bureaus are reporting inaccurate, false and misleading information on my reports and is ruining my reputation with the banking system which is why we are in a recession. my chances at getting a mortgage is being ruined and I need these unauthorized accounts removed immediately

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 2023-05-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
equifax INC is ignoring my letters and verification documents hanging up on me during calls refusing to let me pull my own credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I went to prison on XXXX and I was released XXXX of XXXX. Midland credit Management sent me and filed with the credit bureaus that I owe {$560.00} to XXXX and Midland. I blocked my card at a XXXX XXXX  and was told no charges would be allowed on the card until I reactivated the card. I did this because I was going to be in prison and I did this for this exact reason. I contacted Midland and they told me the card was used and someone paid some of the balance through XXXX. I did not authorize this and the card was locked. I don't know how this happened, the card was locked. When the card was locked in XXXX XXXX I had a limit of {$2000.00}, a credit of {$5.00} owed to me and rewards in the balance of {$690.00} which XXXX never returned to me. I have sent paperwork to XXXX and Midland to show that I was in prison and I had locked my card but nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX 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 2023-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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 XXXXXX/XX/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 2023-05-19
Company: Experian Information Solutions Inc.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my 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 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Capital One on XX/XX/XXXX and spoke with XXXX XXXX ID # XXXX regarding account # XXXX. The information that was given to me by the agent wasn't being reported accurately by the 3 major credit bureaus. 1. ) The opening date isn't properly being reported correctly. XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX. 2. ) High Balance - XXXX : {$370.00}, XXXX : {$370.00}, XXXX : {$0.00}. 3. ) Last Date of Payment - XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX. 4. ) Missed Payments - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 5. ) Credit Limit - XXXX - {$300.00}, XXXX- {$300.00}, XXXX- {$0.00}. 6. ) Minimum Payment : XXXX - {$35.00}, XXXX- {$35.00}, XXXX- {$35.00}. ) Past Due : XXXX - {$0.00}, XXXX- {$0.00}, XXXX- {$0.00}. 8. ) Date of Last Active is reporting inconsistently. XXXX - XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX 
THE INFORMATION THAT I JUST PROVIDED YOU IS REPORTING INCORRECTLY ON MY CREDIT REPORT. 
XXXX XXXX ID XXXX provided me with information that doesn't compare to what the credit bureaus are reporting. The Opening Date is XX/XX/XXXX, The High Balance is {$370.00}, Date of Last Payment is XX/XX/XXXX, Credit Limit {$300.00}, Minimum Payment is {$25.00}, Past Due {$85.00}. Missed Payments XXXX, XX/XX/XXXX. The Date of Last The Credit Bureaus aren't properly reporting accurately and consistently. 
HOW IS THIS EVEN POSSIBLE. The credit bureaus get the same information from the same creditor, but some how aren't reporting accurately. Something has to be done immediately.

Company response to consumer: Closed with explanation