BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want to file a complaint against XXXX. They refuse to remove a late payment for XXXX  XXXX account that was a mistake that XXXX XXXX admitted to. XXXX  XXXX had a glitch on their online payment system which would not allow me to make a payment for a. month. They agreed to remove the late payment and take off late payment fees but XXXX refuses to remove the late payment on my account. not one but 2 months.

Company response to consumer: In progress
Consumer complaint received 2023-11-20
Company: Williams, Rush & Associates, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are in direct violation of my rights per the FCRA as they are reporting false information and refuse to delete the account from my credit file. I've submitted a dispute to both the collection agency as well as the credit bureaus, but they continue to confirm that this debt is coming back valid. I paid the owed amount of {$2100.00} to the original creditor via cashiers check and confirmed with my banking facility that the check was cashed by the original creditor on XX/XX/23. I have submitted a complaint with the State Attorney 's General Office as well, given that the collection agency is in direct violation I can exercise my right to file a lawsuit, but just want the item deleted.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-18
Company: Consumer Adjustment Company Incorporated
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX account amount of {$360.00} opened XX/XX/21 I did not open this account and made them aware when It was brought to my attention upon applying for a mortgage, they did not notify me properly, and refuse to delete even though this account is fraud. I paid it due to it hindering me from buying a mortgage, I need this removed and deleted per the fair lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: FC HoldCo LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2023, I sent flagship credit acceptance a letter and they sent it back with a stamp on the envelope saying in dispute. Today XX/XX/2023 I woke up and my car was repossessed. They never sent me a letter or tried to contact me at all. They zeroed out my account then changed it to a chargeoff online. They did an illegal repo and I want to my car back. They are telling me I have to pay {$6600.00}. to retrieve my vehicle. I have sent them countless letters for payment, and I have sent them a recission letter that they brushed off saying that they don't agree with. On XXXX XXXX, I sent them a recission letter which they denied to honor. XXXX XXXX XXXX never responded to my recission letter.

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 2022-04-19
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: Problem with personal statement of dispute

Complaint:
Quite recently I was perusing my credit reports as I normally do. I came across a few inquiries via all my credit reports, however with this specific issues it was with Equifax. I wrote Equifax ( 4 ) times and call the creditor in question XXXX to highlight them of the situation at hand - an error/fraud per an inquiry on my report which I didn't authorize. However, XXXX decided upon their investigation that it was indeed a fraudulent attempt to gain access to my credit report - which produced an inquiry. I spoke with Equifax 's many representatives, and nothing became of the issue- as they keep telling me via my disputes online and via mail that it was of my own doing. Today XX/XX/2022, Equifax removed the hard inquiry dropping my credit score to XXXX pointsXXXX!!! When I spoke with the agent, she admitted that my scores shouldn't have dropped that drastically and she was going to look into it. Well, she couldn't find any reason and did not resolve the issue. So, instead of my score remaining the same or been placed in a positive. She tried to tell me all the possible reasons why it may have happened - but, that was not the case since all the reasons she mentioned were not in line with how the regulations work or the system itself. I would love to have this item resolved and my scores be placed back within the parameters per their original.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: CA
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-30
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently got a copy of my credit report & I saw a number of injuries I didn't recognize. I called the bureau & contacted the police department & I was told I may have been a victim of identity theft.

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 2023-05-25
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There have been unauthorized disclosures of my personal identifying information. RC/RESURGENT RECEIVABL, XXXX, XXXX, and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am and will be invoking my rights to suretyship as subrogee/implied surety in a notice of subrogation and substitution to collect any and all chattels owed to me under the maxims of equity due to RESURGENT CAPITAL SERVICES making false claims against my Estate XXXX XXXX XXXX RESURGENT CAPITAL SERVICES has provided false and misleading documentation in an attempt to coerce payment for unjust enrichment. 



I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. 

I have also provided opt-out notices from the model disclosures that I found on the CFPB website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX XXXX ) ( LOAN # XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct Violation of several laws under The Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-17
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NJ
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 unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX responded to CFPB that XXXX XXXX XXXX  reporting is not on my credit reports but it is XXXX Experian and XXXX should remove XXXX XXXX XXXX  reporting immediately from 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 2023-04-03
Company: EQUIFAX, INC.
State: DE
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 noticed there was a late payment reporting on my credit report, and under 15 USC code 1681a definition and rules of construction ( 2 ) exclusions : the term credit report does not include ( i ) : report containing information solely as to transactions or experiences between me the consumer and the person making the report. I also recieved an alert on my credit monitoring service that XXXX XXXX fixed the error and updated everything to current, so there should be no late payment reporting at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt do not belong to me. I sent 2 dispute letters that seemed to be ignored and I have not received a response.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
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 want to inform the XXXX and Experian Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Experian CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
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 have been a customer with Capital One, specifically their Venture XXXX Rewards card which is a Visa Signature Card for several years. I chose this credit card as Visa and Capital One both promoted ( and still do as of today ) the Auto Damage Collision Waiver as a member benefit. This benefit is still included in their terms and conditions on both the Capital One and XXXXXXXX XXXX Card websites and manuals. I rented a car through XXXX on XX/XX/XXXX for a vacation in Minnesota. I was involved in a car accident that same day and filed an Auto Damage Collision Waiver claim with Card Benefits/Eclaimsline which is a third party contracted by XXXX XXXX to administered benefits. I was informed that my claim was denied as a result of the benefit not being active from XX/XX/XXXX through XX/XX/XXXX. I have contacted Capital One, XXXX XXXX, and XXXX restlessly the past 6 months. A conservative estimate is 50+ phone calls which accounted for 40+ hours of my life. Each time I attempt to find resolution from any of the aforementioned agencies they place the onus on their counterparts. Often the conversation begins with XXXX informing me to contact my issuing bank. Capital One will differ to XXXX XXXX as the Auto Damage Waiver is a benefit provided by XXXX XXXX and not Capital One. Further, XXXX XXXX can provide no explanation to the benefit in question and why it was discontinued from XXXX resulting in the subsequent denial of claim. As recently as XX/XX/XXXX they " don't have access or records '' of the benefit in question, although they confirmed I did have the benefit. XXXX XXXX XXXX finally sent my invoice to collections after there was no movement by any of the aforementioned parties. I had since remedied the situation, however it negatively affected me as a result of failure ( s ) of all companies mentioned. Of note, at no time did I receive documentation or notice from Capital One or XXXX XXXX that the benefits to my card, specifically the Auto Damage Collision Waiver has been altered, canceled, or changed in any way, thus the benefits highlighted by the terms and conditions of their benefits summary should be honored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a summons to appear in court regarding a civil lawsuit that Midland Credit filed against me. I was given 30 days to produce supporting documentation to states reasons why I did not owe the alleged debt. I submitted the documentation to Magistrate within the 30 days. On the day of the trial, I showed up to sign into court and was told that the case had been dropped. I asked why and by whom, and was told that the case was no longer on their records and that Midland did not want to continue and dropped the suit. The Original amount of the alleged debt was {$1200.00}. The court cost of Midland filing the suit was XXXX. Not only have the continued to keep a debt that I do not owe on my credit profile, they have also added the court cost of the suit that they filed and dropped as well. This debt is showing as open and past due as of XXXX XXXX  XXXX account in the amount of {$1300.00}. In the documentation I submitted in XXXX of XXXX, It also stated the alleged debt from my credit reports if the debt was not mine. I have also attached the documentation from the suit as well as the most recent credit report from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07
Company: NATIONSTAR MORTGAGE LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Do n't know who  XXXX , or GreenLight Financial is, nor have I authorized, or signed ANY application for ANY credit inquiry for  XXXX , or Greenlight Financial on behalf of Nationstar Mortgage!!! I have been in receipt of credit inquiries for the dates of  X/X/2017   ,  X/XX/2017   , and  X/XX/2017    via credit alert coverage that I have through  XXXX / XXXX . I have had my identity compromised, and have filed a Identity Theft report  ( at tached ) with my local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: OneMain Finance Corporation
State: MS
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 was contacted by One Mains attorney to work out a payment plan. We agreed that I would pay it and I let the attorney know that Im doing my best during this Covid pandemic to pay my bills to please be lenient with me but they issued a garnishment on my wages anyway and taking in excess some months more than 800 dollars and still posting on my credit report each month that I am past due and this is and delinquent account in a charge off status and this is continually hurting my credit every month even though I am constantly paying on this every week I get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 explanation