BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent Accounts On Credit Reports 1. XXXX XXXX XXXX {$1800.00} 2. XXXX XXXX XXXX {$1800.00} 3. XXXX XXXX XXXXXXXX {$6200.00} 4. XXXX XXXX XXXXXXXX {$2300.00} 5. XXXX XXXX XXXX {$3700.00}

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 non-monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: GA
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 companies are being reported as hard inquires on my credit report, and I do not recognize, nor have I given consent to any of them to pull my report. According to the consumer laws for my protection the following companies must provide documented proof with my signature on it stating that I authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, Experian, and XXXX must remove these inquiries from my credit reports. 
XXXX. XXXX XXXX XXXX. XXXX XXXX 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 explanation
Consumer complaint received 2016-04-18
Company: Credit Connection LLC
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hi, I am looking for some help or answers. I have a car with local finance company. I have had car for about 2 years. XX/XX/2015, I had to go though XXXX and a XXXX in XXXX and still recovering. Unfortunately since ca n't work I have fallen behind on loan. The company has now again for the third time called my parents no I am not a minor, they have called and told my parents directly that I am behind on loan, amongst other private information. Today they again called my parents BEFORE calling me even first today ... my mom called me and said they had called her telling her I was xx amount of days late, that I did not have valid insurance, and they were coming to repo the car today or tomorrow. I am very upset yet again they have called my parents and revealed personal information. What can I do here ... .anything??

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A investigation was stared on XX/XX/XXXX for me to receive proper documentation of proof that I XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account open date XX/XX/XXXX have a account with : XXXX XXXX  XXXX  # XXXX No such account was open. 
It is now XX/XX/XXXX and proof of documentation has been provided to me within the 30 days.Please remove this item 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
Consumer complaint received 2023-03-17
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I obtained {$100.00} rewards with this credit card. When i redeemed it, i received {$1.00}. Bread Cashback bank is aware of the problem but they keep extending when this problem will be fixed. Now they don't even answer the phone anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
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: Was not notified of investigation status or results

Complaint:
See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late despite the fact that I am always on time.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX Account # XXXX In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. Experian said this account were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 

Thank you, 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 2023-03-17
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello I paid this line of credit off during the closing of my house, they charged a late fee after the closing. I believe the account to be closed so I had no idea I was charged this fee. The account was sent to collections for a {$60.00} fee. The collection agency refuses to remove the item I've sent my closing statement proving title got the payoff amount and paid the debt at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: General Motors Financial Company, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
ON XXXX XXXX GM FINANCIAL REPORTED THAT MY ACCOUNT WAS 120 DAYS ON FOR A REMAINING BALANCE OF {$240.00} FROM XX/XX/XXXX AND XX/XX/XXXX THIS CAUSED BY CREDIT TO GO DOWN XXXX POINTS BETWEEN THOSE DATES IS NOT 120 DAYS!!!! 

I PAID OFF THE REMAINING BALANCE ON XX/XX/XXXX OF {$240.00} THIS REMAINING BALANCE WAS ON MY ACCOUNT FROM XX/XX/XXXX UNTIL XX/XX/XXXX AND WAS NOT INFORMED BY GM FINANCIAL NOT BY PHONE, EMAIL OR MAIL I DIDN'T KNOW UNTIL I CALLED TO FIND OUT WHERE MY TITLE WAS I WAS TOLD 3 DIFFERENT STORIES BY 7 DIFFERENT AGENTS. I WAS TOLD I OVER PAID AND WAS DUE A REFUND. I WAS THEN TOLD I HAD LATE FEES THEN I WAS TOLD I ONLY OWED THE REMAINING BALANCE. GM FINANCE AGENTS SEEMED TO NOT HAVE A CLUE.

I PAID MY BALANCE AND GM FILES WITH CREDIT REPORTING COMPANIES I WAS LATE 120 DAYS EVEN THOU I PAID OFF MY BALANCE.

I CALLED GM AND THEY WOULD NOT CORRECT THE ERROR SAYING I HAD TO DISPUTE THE CLAIMS MYSELF SO I SENT LETTERS TO ALL 3 CREDIT RPORTING COMPANIES AND I'M ALSO ASKING FOR YOUR HELP I BEEN WORKING HARD TO IMPROVE MY CREDIT TO HAVE GM FINANACIAL XXXX IT UP FOR ME FOR NO REASON. 

PLEASE HELP! 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: TN
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-03-17
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:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
A investigation was stared on XX/XX/XXXX for me to receive proper documentation of proof that I XXXX XXXX XXXX XX/XX/XXXX XXXX last XXXX XXXX XXXX XXXX XXXX XXXX IL Account open date XX/XX/XXXX have a account with : XXXXXXXX XXXX Acct # XXXX No such account was open. 
It is now XX/XX/XXXX and proof of documentation has been provided to me within the 30 days.Please remove this item 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
Consumer complaint received 2023-03-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted LVNV FUNDING LLC on XX/XX/2023 letting LVNV FUNDING LLC know that it, its parent, subsidiaries, XXXX was to cease and desist ALL illegal activities AND to cease and any communication with me in any attempt to collect on this alleged debt. Now, LVNV FUNDING LLC has DISHONORED my demands and Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
LVNV FUNDING LLC is using extortionate means to collect on alleged debt that I do not owe LVNV FUNDING LLC that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. 
This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C.

1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 
I have a right to this information, as its directly associated with the reporting activities. 

Let me be very clear : I do NOT owe LVNV FUNDING LLC and do it have any debt with LVNV FUNDING LLC. 
This is also a NOTICE exercising my rights to prevent the processing of my personal data by LVNV FUNDING LLC Please be advised that providing a memorandum or other statement from your agency, stating that LVNV FUNDING LLC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. 
LVNV FUNDING LLC should note that it has now violated me further and has also continued to communicate with me in the attempt to collect an alleged debt by processing my information to XXXX and XXXX althought I explicitly wrote to LVNV FUNDING LLC informing LVNV FUNDING LLC not to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my Capital One Quicksilver Card on XX/XX/23 and the payment posted on XX/XX/23. The balance was {$1400.00} and I received an email confirming the balance posting, taking it to {$0.00}. Today, XX/XX/23, there is an interest amount due of {$27.00}! I called Capital One, ended up having the call escalated to a senior manager that would not remove the charge, siting its Capital Ones policy. Thats the only answer I received after asking why that amount was not included in the total balance owed. Any help would be appreciated since that balance is due on XX/XX/23 and Ive never missed a payment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: IL
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 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 2023-03-17
Company: Experian Information Solutions Inc.
State: NY
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 accidentally made a charge against my personal XXXX card in XXXX. The charge should have been made against my corporate account. When I realized the error, I immediately paid off the account and asked XXXX to close my personal card. I made the request as my corporate and personal cards were very similar in appearance and I did not want to make the same mistake again. 

XXXX however, did not close the account in XXXX as I requested. They kept the account open and reported it as a late payment Experian in XXXX. On reviewing my account, I saw that Experian used a XXXX issue to downgrade my score in XX/XX/XXXX. 

I need to know why Experian and XXXX waited 5 years to act. This will remain as a negative on my credit for 7 years. Why was it not managed 5 years ago? Experian does not seem to have basic commonsense or the willingness to review issues that deeply impact consumers credit worthiness. They expend a lot of energy trying to sell additional credit card and loan services to me. 

I need this issue resolved. It clearly happened in XXXX. Both XXXX and Experian must revisit their decision to report it five years later. This should not be treated as a new event. This has seriously impacted my and my daughter 's credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
Equifax remains in violation of 15 U.S.C. 1681g. This is a dispute against " XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, ACTUAL PAYMENT, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY. '' The information currently reported is inaccurate, false, and incorrect. 1 ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must maintain accurate and complete credit reports for consumers. Reporting a business account on my personal credit report violates this statute, as it inaccurately represents my credit history. 2 ) Uniform Commercial Code ( UCC ) establishes that a personal guarantor is not personally responsible for the debts and liabilities of a business. As such, the business account auto loan registered to the business should not be listed on my personal credit report. 3 ) Violation of FDCPA Section 809 ( a ). I was a personal guarantor for a business account auto loan where the car was registered in the name of the business. I have attached the registration showing the business name on the registration. The business and its assets are separate from my personal credit report, and therefore, this account should not be reported on my personal credit report. All information reported on my credit report must be accurate and up-to-date or immediately deleted. This is a demand to immediately delete all inaccurate, false, and incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: TX
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Fay Servicing, LLC
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am having problems with Fay Servicing 's nefarious tactics. I took out a balloon loan from XXXX XXXX services in the amount of {$220000.00} to remodel my house and convert it into a short term rental property in XXXX, Oregon. This was a success. The total value of the property increased by more than {$350000.00} and brings in XXXX to XXXX XXXX a year in net income. The balloon matures at the end of XXXX so I have been taking action, for months, to get into a XXXX loan and pay the balloon. My coverage ratio is about XXXX, well above the minimum. My new service company, XXXXXXXX XXXX XXXXXXXX needs one final piece of documentation to send it to underwriting, Verification of Mortgage. We have both been contacting Fay Servicing daily for weeks to get the request. They outright lied to my new loan officer, claiming they indeed filed the request. A week later, after inquiring of the request, there is no record of the request. I have concrete evidence of this, an email verifying the request from Fay Servicing and a second email from my new officer saying Fay Servicing never filed an actual request. They are trying to drag this out on the Balloon until I am liable for {$110.00} dollars daily interest payments. After researching Fay Servicing more, I discovered they practice these types of deception often as I am sure you know. Thank you for your time, XXXX

Company response to consumer: Closed with explanation