BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have requested documentation from XXXX XXXX to check to make sure all that is reporting is correct. You are also reporting inaccurate balance on the account this account has been paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: AL
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:
In accordance to Fair Credit Reporting Act XXXX XXXX, account number XXXX, has violated my rights, Equifax, XXXX, XXXX *15 usc 1681 section 602 ( a ) states I have rights to privacy *15 usc 1681 604 ( a ) section 2 : consumer reporting agency can not furnish report w/out written permission *15 usc 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt *15 usc 1692f : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt note : the open dates on the acct are different XXXX XXXX Equiifax XX/XX/20 ; balance & high balance contain errors that with knowingly cause an adverse action *15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have provided XXXX with a hard copy of an error that Bank of America agreed to correct. The states that I do not have any XXXX late payments on my account. The XXXX late payment is reported on my XXXX account for XX/XX/XXXX. I have furnished XXXX with written proof and they refuse to correct my credit report, this is causing me to not get approved for future credit. XXXX XXXX XXXX  have corrected this error, but XXXX refuse to do so. 

XXXX XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

ALERT DETAILS Febuary XXXX Account Dispute Modified Your original Dispute was Modified The dispute for the account with BK OF AMER that starts with XXXX was modified by an XXXX Disputes XXXX. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. 

ALERT DETAILS XX/XX/XXXX Account Dispute Update We have an update about your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. We will notify you when all of your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. 

XX/XX/XXXX Account Dispute Opened We have opened your Account Dispute The dispute for the account with BK OF AMER that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: CA
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 


XXXX XXXX XXXX, IN 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 2022-04-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX - They called and I told them NOT TO CALL ME AGAIN.. 

But they did on XXXX and XXXX. 

I paid XXXX XXXX ( the debitor ) the amount owed on XXXX and I told Pro Collect on XXXX that the debit was paid but they said that I should have paid them and they continued to call.

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 2020-01-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-02-14
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My name is XXXX XXXX and I am completing this complaint without help of a third party or agency. I know my rights and I choose to assert them no matter how long ago this happened. This complaint is pointed toward Santander Consumer USA. All details and correspondence are attached to this complaint. The original consumer credit transaction happened on XX/XX/2019 Account # XXXX. Attachments are as followed - Copy of contract that show violations or false and misleading information - Copy of recent XXXX -Proof of down payment ( cash ) paid to XXXX XXXX on behalf of Santander USA -Debt collector letters sent to me- Full statement of my claim and list of violations and invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
in XX/XX/XXXX my house was broken into. i filed a police report then and i contacted the bureaus that someone was using my personal information to open up fraudulent accounts in my name. A person by the name of XXXX XXXX open up a credit card XXXX for the amount of {$8200.00} dollars i reported this to the police in XX/XX/XXXX and this problem has continued as of today. XX/XX/XXXX i have sent the bureaus certified police reports to support my request and they still have done anything in regards to me being 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 2023-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX  customer service representative.

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 2023-09-01
Company: EQUIFAX, INC.
State: VA
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:
From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX only and authorized for my credit to be pulled once. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
One of my reported addresses is the post office physical address in XXXX South Dakota. I have a mail box inside the building and I also use my physical street address when I correspond with companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: ENOVA INTERNATIONAL, INC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I had taken a personal loan on XX/XX/2022 for {$5800.00} and i paid it off XXXX XX/XX/2022. When my refinance company paid it off {$5700.00}, NET CREDIT told me i still owed {$650.00}. So i sent a check for {$650.00} along with the {$5700.00}. 
i had contacted Net Credit the following week. and the women I spoke with told me they were cancelling the check. This check was cashed ar my bank on XXXX XXXX XXXX i called Net Credit and told them the check was cashed after telling me it would be cancelled. They told me thaT the check was not cashed. I then sent them proof from my bank it was cashed. Then they told me the check was applied to my loan. I have been trying to get a amount of the payoff. they continue to tell me it is paid off. i wan a account statement the amount of my pay off and the amount I paid on interest I requested this 3 times and all i get is the loan is paid off! no amounts ere given to me other then don't worry loan is paid off. It seems really really odd thar they don't want to give me numbers and the {$650.00} checked canceled then cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: NJ
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:
I have tried calling Experian on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents.

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 2023-08-16
Company: Experian Information Solutions 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF 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 2022-04-12
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 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 XXXX 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 XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX 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
Consumer complaint received 2019-06-13
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: Information belongs to someone else

Complaint:
I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Consumer Adjustment Company Incorporated
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX put on my credit report a hospital or doctor bill that I never received notification of or a right to dispute the claim that was paid by my insurance. I have notified them to remove from my credit report and to send me a copy or proof of bill to no avail. When I call the rep or agent claims they can't find the account without my date of birth or social which I will not give over the phone but I did give them my address and still they haven't sent me proof of claim or notice or rights to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent out a letter to Experian XX/XX/2022 asking for the company to remove all unverifiable accounts! Also today I sent out a demand to comply 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 2020-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
Creditor reported an incorrect date of first late payment and incorrect account balance. Disputed item XX/XX/2020. I requested creditor delete account from credit file creditor did not and did not verify there reporting information. Creditor should remove this account my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : 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 non-monetary relief
Consumer complaint received 2017-12-08
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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:
False reporting to Big 3 Credit Bureaus. Issue resolved and closed. The incident is also impairing my ability to acquire personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: MN
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 been disputing this XXXX XXXXXXXX XXXX XXXX for weeks. I have told them that this is not my account. I have asked for verified documents with my wet signature and they have refused to provide it. They are showing this account on my credit report under this name reporting a balance every month for another original creditor which is a VIOLATION and against the LAW! 

1.Not indicating when the account has been sold 2.Not reflecting a {$0.00} after transferred/sold ( double jeopardy ) 3.Reporting inconsistent balances across the credit bureaus 4.Date of delinquency illegally being changed I am within my rights to sue them and that is what I will be doing. They are also blocking people from disputing online when they fail to provide the documents consumers ask for. My attorney is going to have fun with this case!

Company response to consumer: Closed with explanation