BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: Conn's, 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:
A loan from Conns showed up on my credit report around XX/XX/XXXX. It shows the account was open in XX/XX/XXXX. The amount owed is {$1800.00} and the account went 30 days late on XX/XX/XXXX. The account does not belong to me. The first time that I called Conns they kept telling me that I do not have an account with them. I insisted that its showing on my credit report and causing my score to go way down. The next time that I called Conns, I finally got ahold of someone that would listen and dug a little deeper. He did find an account that was somehow linked to me by some accident. He gave me account number XXXX and then transferred me to the fraud department. I spoke to the lady in the fraud department and she admitted that it wasnt actually fraud, that Conns was just reporting it wrong. She assured me that they would look into it and gave me a ticket number XXXX. That was in the beginning of XX/XX/XXXX and as of today, I have yet to hear back from them or be able to get in touch with them. I need this item removed from my credit report immediately due to Im trying to buy a house. This isnt the first time that Conns has linked someone elses account to my credit report. It did happen years ago and they resolved the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going through a divorce and I believe this account was opened by them. I had become aware of this account in 2018 at which time I had become aware it was closed and charged off. At that time, I disputed the charges and the validity of the account. Recently, while trying to purchase a vehicle I became aware that I had an opened late pay debt which was surprising to me as I had no contact from anyone. After further research I discovered LVNV LLC had reopened this closed charged off debt that was previously disputed as not being mine. Mind you, there has been no contact from them. I immediately sent them a certified letter requesting documentation asking to supply the information below so that I can be fully informed about the alleged debt pursuant to the Fair Debt Collection Practices Act : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. 
The name and address of the original creditor and any other names used.

A copy of the original contract or other agreement.

Evidence that I was the one who opened said account and it was not opened fraudulently.

The name of any other person that is or was required to pay the alleged debt.

The amount and age of the debt, including : Proof I owe the debt. 
Provide a copy of the last billing statement sent to me by the original creditor. 
State the amount of the alleged debt when you obtained it. 
State the date when you obtained the alleged debt. 
Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. 

Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. 
Provide an itemization showing any payments since the last billing statement from the original creditor. 
State when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
A calculation of whether the statute of limitations has expired for collecting the debt. 
( Virginia Statute Code : 8.01-246 ). 
The last action taken of the action. 

Details about your authority to collect this debt, including : Proof of your ownership of the account. 
Provide the number of any license to collect debt in Virginia and the name of the issuing agency. 
Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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:
i HAVE TRIED TWO TIMES AND NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Their investigation did not fix an error on your report

Complaint:
I am deeply concerned about the errors that still appear on my credit reports. These errors are ruining my credit profile and damaging me a consumer. Under the Fair Credit Reporting Act, incomplete, innaccurate and unverifiable information should be promptly removed from my credit file. This journey has taken over 30 days. I have not received the information I requested. 

XXXX XXXX number : XXXX XXXX XXXX number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have items on my credit report that I would like to verify the information on. 
Industry Contact XXXX XXXX  XXXX XX/XX/XXXX XXXX Bank Credit Cards XXXX FC XX/XX/XXXX XXXX Credit Unions XXXX XXXX XX/XX/XXXX XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Bureaus XXXX Hard XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage Reporters XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX Hard XX/XX/XXXX XXXX Banks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Other Than Personal XXXX Hard XX/XX/XXXX XXXX Banks XXXX Hard XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage Reporters XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX XXXX XXXX  XX/XX/XXXX XXXX Mortgage Companies XXXX XXXX Hard XX/XX/XXXX XXXX XXXX Other Than Personal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I got a car loan from XXXX XXXX  XXXX XXXX and set up automatic payments. I have never missed a payment on any of my bills in my life because I set up automatic payments and make sure there is enough money in my account to pay ALL my bill for at least 2 months. XXXXXXXX XXXX XXXX  XXXX merged with PENTAGON FEDERAL CR UN when I was in XXXX and never sent me a notice that my automatic payments discontinued. I did not learn about this until my credit score took a hit and I called them about my past due bill. They explained that when the merger took place " I SHOULD have received a notice '' which I did not. The merger discontinued the automatic payments so I needed to setup a new auto-pay. After explaining to them I did not receive any information or warning, they did nothing. My credit score dropped 100+ points. This can not be legal or at the very least ethical. What can I do to fix this?

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 2023-02-02
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-26
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute with XXXX, but I am not convinced they proved it was my debt. My ex-husband was a current XXXX customer when we divorced 20 years ago. I used XXXX and still have the same number XXXX. The debt is attached to a different phone. I was never shown the original contract with my signature on it. This debt is not mine. Further, I am a current XXXX customer and have been for several years. I am current on my payments. How can this be my debt. 
XXXX ref # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America BOA issued prepaid debit card with no security chip. On XX/XX/2021, an ATM skimmer fraudulently stole card number and pin number. Everyday in XXXX the skimmer went to different BOA branch ATM and withdrew maximum daily amount, {$1000.00}. Total loss {$28000.00}. No warning or alert from BOA. BOA refused to refund money fraudulently stolen from account.

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 2022-09-16
Company: M&T BANK CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
My complaint is at M & T, we ( me and my husband ) have a personal loan them. For XXXX  months now, they have messed up our loan for XXXX. We only have one loan through them and they have created XXXX loans with different interest rates plus now with second loan they have us listed as late on payments and also has now listed this with credit bureau at late and I can not get any new credit. I have talked to them several times to straightening it how and they have still to it. I talked to XXXX different ppl there and they aware of the problem and they promised to straighten it out. The problem is with the interest rate. One says XXXX and other is XXXX. Someone needs to correct this it's been like this ever since the loan

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 2023-03-23
Company: Experian Information Solutions Inc.
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:
The following are fraudulent inquiries that I did not authorized : *Experian Business Cred ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXXXXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXXXXXX ( XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX XXXX XXXX XX/XX/2022 ) XXXX XXXXXXXX XXXX ( XX/XX/2022 )

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 2023-04-24
Company: EQUIFAX, INC.
State: KY
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 regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
USAA took money from my account XX/XX/2021, without authorization for an amount due for my Home Owners insurance putting my account into the negative. The company did not notify me in any way that the balance was to be debited from my account and the transaction was pre-authorized without my consent. In total they debited XXXX from my account and I had no awareness that this was about to happen or that it was owed, generally as my Insurance is escrowed in my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i recently saw my credit report was showing collections owed to XXXX XXXX XXXX and Medical data systems inc. i called them and asked them to remove the collections because of the ammount of XXXX should be removed from my report. i also filed a dispute in which it came back verified from XXXX. the name they are using to verify is inaccurate and needs to be be updated in XXXX XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase bank has closed one of my checking accounts that had {$450.00} deposited in it. As per the bank request I have opened a new checking account to replace the old one with the promise that my funds that were in the closed account would be transferred into the new one. This has happened about 2 months ago and ever since then Ive been trying to get my funds available. I have exhausted all means to resolve this issue with Chase bank. I have gone to their branch twice and I have called their customer support services twice as well and I am always promised they will send me a check and that I should wait for it. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw an account on my credit report page from AFFIRM INC . I was told it was a loan from XXXX. I have never taken out a loan from Affirm Inc to travel. This is a fraudulent account that wasn't mine. The loan open dates is XX/XX/2017 and the amount shows is XXXX. This is not my loan or account and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, 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 noticed some unauthorized inquiries on my credit report and i immediately contacted the credit bureaus with the proper information to get the inquiries with no consent removed ASAP. I followed all of their rules but they are still reporting on my credit profile. How is that possible? 15 united States Code 1681c-2 is suppose to protect us against this type of stuff. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Account status incorrect

Complaint:
XXXX verified late payments that they deem to be incorrectly reporting XXXX and Transunion had a open dispute They stayed XXXX reported the payments back on my account

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 2023-04-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX*XXXX Balance Owed : {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
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:
THIS CAR LOAN WAS NEVER OPENED BY ME IN THE FIRST PLACE I ASK THEM TO JUST REMOVE THE LATE PAYMENT OR THE ACCOUNT AS A WHOLE I NEVER SIGNED FOR THE LOAN AND WANT THIS ACCOUNT REMOVE ASAP

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 2022-09-16
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX APT XXXX XXXX, TXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX NOT PROVIDED XXXX, TXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX RESIDENT XXXX XXXX  XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date XXXX

Company response to consumer: Closed with explanation