BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NM
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 sixth attempt to notify you that I am a victim of identity theft and I write to dispute the account XXXX XXXX Balance {$0.00} in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This account is unknown to me. Also, the information provided on some accounts is DELETED from other bureaus and I have doubts about the accuracy of Experian Bureau the reported payment history on some accounts is a mystery to me. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result in the immediate removal of the account Pursuant to Section 605B of FCRA.

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 2023-07-15
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
So XX/XX/XXXX I receive an email from my bank saying that they recently received the enclosed court order, which either enforces a legal judgment against me or secures a possible judgment in a lawsuit that's been filed against me from this collections agency called Kenosian & Miele. As a result, they are required to immediately place a hold on my XXXX XXXX account for a total of {$720.00}. I did a credit report right away to see what it was for and my credit history is clean, I have no collections showing. So I call them and they say It is from XXXX, an account that hasn't been used for over 14 years it doesn't even show on my credit report. They claim it hasn't been 10 years but I looked it up and it was filed on XX/XX/2013. And never once was I contacted in all these years. And from what I been researching, the statue of limitations has already expired. And these people already took the money out of my account. I have been reading reviews about these people and everything is negative, that they are a bunch of frauds. I don't think is fair what they are doing to people collecting on old debts that don't even show on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
On XX/XX/XXXX I received alerts on my email that my there was a request for credit through several creditors one of which CAP1/menards  ( capital one ). I called on XX/XX/XXXX and attempted to speak with someone but their office was closed. I called again on XX/XX/XXXX and spoke with someone and advised them of the situation and they stated that letters would be sent the the credit bureaus to remove the inquiries and a fraud status would be placed on the application to have it removed and this proves can take up to 90day. I waited a few months and I saw that some inquiries were removed. As I was trying to apply for credit somewhere else I pulled an updated report and noticed this inquiry was still on all XXXX reports. I called XXXX on XX/XX/XXXX they confirmed they receive the letter and removed the inquiries I called XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX and they stated they never received it. and advised me the only way to get them removed the quickest was to request Capital one to send the letter requesting the removal. I called Capital One on XX/XX/XXXX and spoke with several agents who transferred me from one party to another given options that did not help me in this matter. They kept bringing up and giving the wrong information and then to be transferred to a supervisor I spent over 45 minutes on the phone and still haven't gotten it resolve through all the XXXX  and frustration I released the line because they were not trying to help me. 

the report I generated is from XX/XX/XXXX however XXXX and XXXX was able to tell me that the inquiries are still listed on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: National Credit Adjusters, LLC
State: TX
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:
XXXXXXXX XXXX - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized XXXX to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX  and this is still a standing issue that needs to be resolved. 

National Credit Adjust - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/2023XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: NC
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- Account Current Balance : $ XXXXAccount 's Date Opened : XXXX XXXX Account Current Balance : -- -- {$140.00} Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX- Account Current Balance : {$350.00} {$350.00} $ XXXXAccount 's Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX-Account Current Balance : {$130.00} {$130.00} $ XXXX Account 's Date Opened : XXXX XXXX XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX a credit in the amount of {$2600.00} was sent back to a XXXX XXXX service Trace # included in documents. This was made by Capital one to XXXX Company claims never to have received this credit. On XX/XX/XXXX Capital one acknowledges that the funds were never sent. in XXXX of XXXX which at that was a credit. So in XX/XX/XXXX they sent again the XXXX through the bill service as requested, at this time they added the XXXX to my Capital one balance. Why? As I waited again for these funds to reach the destination of XXXX. Once again never been credited for this. And this recent transaction doesnt have a trace #. If you look into all of the recorded calls starting on XX/XX/XXXX you will hear many many times that I will be receiving a credit for XXXX it will take 2 billing cycles. There are many recorded calls from many senior advisors that see the problem. And it seems that nobody can fix this. What is it going to take. It seems it was very simple to add the funds back to my card. Which was a XXXX credit in XXXX and it should have been a credit in XXXX thats the issue. Never received in XXXX resent in XXXX and added back to my card. But again never received by XXXX. Recorded call today XXXX the supervisor in collections saw the issue and couldnt fix. Its time that you take extra time and listen to these recorded phone calls. As they are the key to this financial mess that you have bestowed upon me and my family. 
As of today Im actively hiring an attorney and reaching out to the news station. And whoever will listen. As you have certainly done nothing to help the consumer. As you can see by all the documents that I have nobody has done anything to find these funds to look for these funds to Credit responds to my account. There are many many recorded calls and capital one does nothing to help nothing I receive letters I have nothing but lies from you and I will not go away, and I will continue to dispute his lies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I wrote to you Equifax requesting these old addresses and incorrect spellings of my name be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate the time of Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that they have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account XXXX XXXX XXXX Balance {$0.00} needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of this 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 2021-10-17
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : Loan Nbr XXXX SLS/XXXX FRAUDULENT FORECLOSURE Please see Letter of today, XXXX XX/XX/2021, enclosed with the full complaint. 
For some reason the document would NOT permit me to copy/paste. 
Please forgivel Thank you for understanding. 

Sincerely, h 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 2023-07-03
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus are reporting false information and wrongly furnishing my reports. Also i went to a car dealership that shopped my info around without my permission. I did not authorize anyone to use my information or shop it around. These are fraudulent accounts that i need removed immediately. The accounts are listed below : 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 2022-05-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 my car was involved in an accident that the insurance deemed a total loss. insurance paid out its portion ( full coverage ) while the rest was up to the GAP coverage i had on the car. my father and i are both on the car loan. while checking my credit report i saw the car had been placed into the " public record '' section. i was denied a mortgage for a home because of this. according to the the consumer rights info i read, mine and my fathers were violated. we never recieved any notice of a court hearing nor did our insurance company since GAP did not pay out as per our contract. i have filed a complaint with them as well. we paid to settle the account and it still was placed into the public notice section. i have never ever gotten notice of a court action for the car, only a call to collect the past due portion. it was paid and has a XXXX balance. also, my name is incorrect on the account on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Westlake Services, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
i am writing this complaint on Westlake financial services! This company has continued to harass me and threaten me about an alledge debt i owe, they have called me before 8 antimeridian and they have called me post meridian which is a violation of federal law 15 usc 1692a ( 1 ) and violating my consumer rights, i sent the CFO Chief financial officer XXXX XXXX a negotiable instrument for payoff of my auto which he accepted, the company has lost two payments that i sent to them and they stated i would have to send another payment because of their negligence! i talked to a lady today XX/XX/2022 which she threaten me and informed me that if i did not send an extra payment in today that they would repo ( seize ) my automobile, which is abusive language and a violation of 15 USC federal law 1692 ( e ) false and misleading representations and also violation of federal law 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the SEIZURE ( repo ) is a violation of this federal law! this company has disregarded federal law and has violated the entire 1692 ( E ) and the Fair, Debt, Collections, Practices, Act and violated my God given consumer rights and causing me XXXX XXXX and damages. 
Acct # XXXX 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 2022-02-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
USAA incompetence lending practice and lack of integrity has stonewalled me, my family and my future from progressing. I've been imprisoned in a financial nightmare since USAA recruited me for my mortgage refinancing in 2015. There is no consistency in Loan Numbers and VA Case numbers on recorded documents. A month after the closing USAA underwriters sent me an email, with an attachment, asking me to resign the Original Note due to an error on their part. First, Not one Official representative or XXXX XXXX ever showed up or contacted me to set a date or time to witness the signing. Second, the original closing took place in my home and not at a bank which I thought was odd. 
The closing agent refused to provide me with any signed copies of the paperwork. 
As you can see by the documents I have provided. Again there is an inconsistent reporting on this refinancing initiated by USAA. XXXX XXXX  is just as confused as I am and they are unsure of how to help me. My question is this. Why is USAA reporting to XXXX XXXX  that in one year, there was a Deed in lieu of Foreclosure and in another there was not. In addition to reporting to credit reporting agencies that I stop making payments on a loan and went into foreclosure. I strongly believe there was no legitimate loan at all and that USAA stole my property and the equity it held. The foreclosure on my credit report is untrue and inaccurate. 
USAA is going to say in their response that the foreclosure process was ruled on and upheld in XXXX, Colorado courts. However, there has to be a conflict of interest when XXXX XXXX XXXX XXXX now use the property as a secured asset which backs a multi XXXX dollar loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on XXXX dispite proof by creditors that's duplicates and accounts are paid ie XXXX  XXXX XXXX XXXX XXXX etc.

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 2023-07-12
Company: SYNCHRONY FINANCIAL
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:
Inquiry Fraud from Synchrony- TJX to XXXX XXXX. XXXX Reference # XXXX Reference processed code # XXXXXX/XX/ & XX/XX/XXXX I, XXXX XXXX XXXX XXXX ( DOB XX/XX/XXXX ) sent a letter and called Synchrony- TJX bank on XX/XX/1XXXX  andXX/XX/ in regards to a fraudulent billing inquiry. I informed the company of the fraud inquiry reported on my credit history on this date to all three credit bureaus. However, XXXX is requesting a copy of this report so they can remove this fraud inquiry from my account. I then followed up with Synchrony and asked them to send me proof that they did send a report to transunion on XX/XX/XXXX and they asked me to send a letter to the fraud department. I never received any evidence so I called both XXXX and Synchrony bank today XX/XX/XXXX. Both have provided no results and have done nothing to remove this inquiry.

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 2022-07-12
Company: BARCLAYS BANK DELAWARE
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:
Barclays Bank Account Number XXXX XXXX I wrote to XXXX on more than one occasion informing them that this is not my debt and I am not responsible for this debt. This is actually my ex-girlfriends debt and I would like it removed from credit report. They have not done so. I did not apply for this debt and I am not liable for this debt so I don't understand why they won't remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions Inc.
State: MI
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: Problem getting your free annual credit report

Complaint:
In the past week, I've tried to get the three free credit reports that have been heavily promoted. XXXX provided an immediate report online, no problem. 

For the past week, Experian has said they could not provide a free credit report at this time. XXXX  wants to torture requestors by making us fill out an online form and then require a mail-in form instead. Clearly, Experian and XXXX  are trying to complicate or circumvent the free credit report requirement.

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 2023-07-12
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On or about XXXX of 2023 Exeter Finance called my phone and told I, the consumer that they have sold my contract to XXXX. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer credit report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: MI
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:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these inquires that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

Company response to consumer: Closed with explanation