BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Convergent Resources, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2022-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 ) ( XXXX ) ( 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2020-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I RECEIVED A LETTER IN THE MAIL ABOUT A COURT APPEARANCE ON XX/XX/2020 THAT I DIDN'T HAVE ANY KNOWLEDGE OF STATING IT WAS CONTINUED OVER TO XX/XX/2020. I DO NOT HAVE AN ACCOUNT WITH THIS COMPANY AND DO NOT KNOW WHERE THIS IS COMING FROM AT THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: The Receivable Management Services LLC
State: NV
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:
Two collection accounts are showing on my report for the same debt. It looks as though one bought the debt from the original creditor and then another company purchased the debt and is showing the same account with a different amount from the original creditor. I do not owe this debt as it is for an insurance company and I paid insurance monthly ahead of time. I want both accounts removed from my report. I have disputed the information with the two collection agencies as well as the credit bureaus but it always comes back as validated and I do not believe this to be the case. I also do not see account numbers nor an address to reach the collection agencies on my 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 2021-07-07
Company: Coast to Coast Financial Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Several Call regarding the updating of my account to the three major credit beaureaus.

Called 3 times in XXXX  and again in XXXX and was told they already updated my account info to the credit company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: PA
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted immediately.

CONSERVE ( Original Creditor : 07 XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$220.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: WA
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:
I have a great credit score/history and am able to see and get credit reports from both XXXX XXXX and XXXX. However, my Experian credit report shows that it is unavailable. This is affecting my ability to apply for credit cards etc. I have contacted the company, removed freezes and holds that were on the account from past identify theft, but still my report from Experian is unavailable. I have tried several times to contact them about this issue and am not able to speak with anyone in regards to getting this fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My XXXX and Transunion credit reports are reporting an account in collections from a company named XXXX XXXX XXXX for a debt from another company only identified as XXXX XXXX XXXX. The amount is {$940.00}. This was posted to my account during the month of XX/XX/. I have filed a dispute with XXXX and Transunion online stating that I am not aware of this account/company/debt. Although they communicated back that the dispute was resolved, it is still showing up on my credit report as of today, XX/XX/. I can only assume that someone purchased something or received a loan in my name and with my SSN. I would like this resolved as soon as possible as it is very negatively affecting my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Experian is engaging in commercial FRAUD and have violated my Consumer Rights under M.G.L. Chapter 93A, 18 U.S.C. 894, 18 U.S.C. 1028A, 15 U.S.C. 1681 ( e ), FCRA 623 ( A ). Experian is engaging in

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 2023-05-04
Company: EQUIFAX, INC.
State: MI
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 contesting items on my credit report that appear to be fraudulent. The things are not in question, and they have not been removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to have an impact on my credit score. I have demanded that an investigation be launched, as well as verifiable proof be provided if the things claim to be mine. ENOUGH is ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMETHING DONE? CHECK THE ATTACHMENTS! NOT IN ROCKET SCIENCE! You requested documentation, which I have provided. AGAIN, AGAIN, AGAIN! This is my last choice before I consult with my lawyers and file a lawsuit for full compensation and damages. Please remove this. 
XXXX  XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX : {$800.00} ; XXXX XXXXXXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX : {$190.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance XXXX {$3900.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX  XXXX Balance : {$890.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX, XXXX, L ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: PA
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:
This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : 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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of identity theft. Please see indentity theft report attached. I have consistently disputed fraudulent accounts that are results of identity theft on my credit profiles with all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles.

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 2023-07-18
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2023 someone tried to open a Target XXXX online with my information. They used my maiden name, my old address, they had my social security and my current phone number listed. I had placed a freeze on my credit last summer since someone tried to file an unemployment benefits claim with my maiden name. XXXX provided an incomplete investigation. I filed a police report for that fraud last year. Due to the freeze, the credit card application resulted in an instant denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Bought Use Car on XX/XX/XXXX : XXXX XXXX, XXXX XXXX body type : SD Odometer was XXXX. 
The price was {$16000.00} Capital One Auto Finance pre-approved {$1000.00} A down payment was {$1200.00} The amount financed was XXXX The total Cash price was {$18000.00} Loan paid off : XX/XX/XXXX for {$17000.00} The term of the Loan was 72 months. Also, the auto agreement includes Mos Debit Cancellation Agreement by Capital One. bank { lender }, and XXXX XXXX XXXX XXXX [ dealar ], my credit card was ( XXXX ) Because I have high interest for a year and 4th month, I end up owing more than my car was worth [ loan upside down ], and the monthly bill was also increased. And my Vehicle 's value depreciated and XXXX lost 20 % of its value in the first year. I was out of work due to the Covid-19 pandemic and couldn't make monthly payments, so I sold this vehicle at a Lien Sale ( Public Sale ) for XXXX. And on XX/XX/XXXX, the loan was paid off by XXXX. 


I think Capital One Bank didn't give me the right loan rate, which cause me to lose my car while also losing money. For a lengthy loan, the loan period is 72 months, that's equal to 6 years. The longer the car loan, the more interest I pay with upside down on my loan. The car loan destroys my credit whenever I miss or late on payments. One missed or late payment can affect your credit for 7 years. 


As part of the high-pressure tactics Capital One representatives used to sell these add-on products to their consumers, was approval loan with low monthly income. By the time of loan approval, my sources of income were a {$600.00} Veteran Pension ( monthly ) and I was unemployed, but getting unemploy benefits weekly. However, the Lender didn't offer me a secured loan using some form of property as collateral, and the loan was supposed to be a low monthly income after six months of loan tenure, which never happened. Also, the bank encourages me to buy as one of its customers. The Bank encouraged its customers to purchase a car by offering a car financing of US {$1000.00} as pre-approved financing, and also I got this offer too. 


Capital One Auto Finance Inc Street Address XXXX XXXX XXXX XXXX. 
Tx, XXXX XXXX Phone ( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, VA, Phone : XXXX

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

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-04-20
Company: Chime Financial Inc
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have a CHIME account..I put XXXX on the card..they will not let me access account..I have called..I sent documentation requested and now feel my information has been compromised.. 

Since I have lost my money due to..According to them..I am not who I said I am..I have been me for several decades..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/XXXX I entered into a contract with XXXX  XXXX out of XXXX, SC I immediately started having problems with them and I appealed to both attorney generals of s.c. and georgia Neither of whom could help me, then they started changing my mortgage around to mortgage companies they owned specifically XXXX  XXXX and XXXX XXXX. I entered into a loss mitigation contract with them last winter and they are now threatening to start foreclosure although I have kept up the payments. They, in XXXX of XXXX made a notation on my credit report that they had signed the property over to me then after a complaint to the credit bureau they took it of my credit repoort although it was given to me in a bankruptcy, withut a deed to file it what can I do? I also have heard that they are planning on selling this property and several others to XXXX XXXX Isn't this a violation of the bankruptcy regulations and how could the credit bureau tell me they are talking to XXXX when XXXX XXXX put the notation on my credit report, which has now been removed and and I want to know WHY??? HOW?? 
Haave I no protection here? Now they are threatening eviction if I don't pay more by XXXX and we just heard farom XXXX today for the first time ... .They have flimsy contracts and ow they are threatening to cancel my loss mitigation with no reason and startbeviction check out my credit report I think it was XXXX in early XXXX, though it might have ben XXXX.. I have complained to BANKING AND FINANCE AND SENT THEM A BIG PACKAGE with pictures and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief