BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was diagnosed with XXXX and my health was quickly deteriorating so, unfortunately, I could no longer work. Around XX/XX/2014, I reached out to a church for assistance with paying my rent which they agreed to pay for half. I made my payment and the church mailed their payment in. According to the office manager, whom I may add, did not like me, they did not receive payment. I reached out to the church and was told the check had been cashed. I received an eviction notice and had to move out. I then asked them to give me a document showing the payments they received for my apartment and they did. I noticed they did receive payment and applied the payment to the account the same day they filed an eviction. I reported this to all 3 credit bureaus and 2 of them  removed the debt. However, Experian refuses to do so. I have spoken to many supervisors and submitted the proof showing payment was received and applied to the account but they refuse to remove it. They told me to contact the collections agency that has my account so I did. I asked for verifiable proof showing the eviction was filed before they received and applied the payment but they don't have any documentation showing that. They have no knowledge of this debt.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX on XX/XX/, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.

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 2019-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received my paper monthly credit card statement for my XXXX  XXXX XXXX XXXX   XXXX credit card managed by Bank of America. Included with the statement was an empty payment coupon to facilitate payment on my account. NO WHERE ON THIS STATEMENT OR COUPON DID IT SHOW THAT I HAVE AUTOPAY TURNED ON FOR THIS ACCOUNT. 

I then went to the Bank of America on-line website to verify my autopay status. On the initial web page after log-on I was once again reminded of my outstanding balance and due date, with a flagged message that a payment for the account was due. AGAIN, NO WHERE ON THIS INITIAL ACCOUNT ACTIVITY PAGE WAS THERE AN INDICATION OF AUTOPAY STATUS BEING IN EFFECT. 
After clicking thru several screens as if I were choosing to " make a payment '', I did finally see one small green box to the side of the screen indicating autopay " ON ''. 

Being the main cardholder for 5 other credit card accounts, I know that all of the other cards I hold ( managed by XXXX or XXXX XXXX ) clearly indicate on the billing statement, billing coupon and initial webpage that autopay is on and no payment is necessary. 

When I called Bank of America to lodge a complaint, the third customer service agent I spoke to told me 1 ) he had no access to anyone to whom I could directly lodge a verbal complaint and 2 ) he had no address to which I could send a written complaint. 

My concerns related to Bank of America 's credit card services are twofold : 1 ) Their confusing billing practices make it very likely that a payment could be duplicated. And if a duplicate payment were made, BofA would keep the extra payment and post it as a credit to the account. That erroneous payment would then be held by BofA and not returned to the client. 

2 ) Bank of America should have at least one avenue to allow formal complaint by customers.

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 2023-01-06
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, and XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-04-28
Company: Experian Information Solutions Inc.
State: PA
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:
I am extremely concerned and anxious about the inaccurate late payment that is appearing on my account despite always making payments on time. I have never missed a payment and am therefore requesting that you take immediate action to update my account and remove the erroneous late payment from my record. This issue is causing me significant distress, and I urge you to rectify it as soon as possible.

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 2023-09-04
Company: V and H Portfolio
State: FL
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 disputed this account, as it is a CORPORATE account that EXCEEDS the statute of limitations. However, Vance & Hoffman refused to take it off my credit report when I dispiuted it with XXXX. I have attched a copy of the contract that is in the name of a dissolved corporation. The date that is signed on the contarct is from 2016 which exceeds the statute of limitations. Note that the contract states 13 payments and then 21 months, both exceed the time frame.It is past unreasonable to assume that collection of this account would start after the contract expired! I am following up with the state attorney office, as this should clearly be removed from my credit report. Thi s will be my 3rd attempt to demand Vance and Hoffman remove the item, as it is illgal for it to be there!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a consumer. There is not a third party representing me. I have explained to Experian that I am not liable to pay this debt from XXXX XXXX XXXX, they inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company XXXX XXXX XXXX has failed to produce any evidence that I am the rightful owner of this debt with them. I have explained this to Experian as well as sent proof ( attached ) of a fraud affidavit from the FTC and a police report AND the affidavit from the FBI. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked XXXX XXXX XXXX to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! Experian has received all of this information and they are knowingly still reporting that I owe this debt on my credit profile. The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. Experian is in violation of several laws. This is a defamation of my character and damage to my financial life. As a citizen I would expect the very least and as a veteran I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that Experian immediately and PERMANENTLY delete this information on this debt that I do not owe and discontinue reporting.I do not owe them and they are in several violations of the FDCPA and Experian is in violation of the FCRA. I demand that Experian delete this stated fraudulent debt from my credit profile immediately.

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 2017-05-15
Company: Conn's, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was contacted today by a woman claiming to be an attorney from  XXXX  and  XXXX   XXXX   XXXX . She claimed that I had refused to pay a debt and then asked for identifying information including my social security number. When I would not verify the information she threatened to sue me and go after my " assets '' for giving false information. Then hung up on me. I Looked up the debt and it is 14 months past the statute of limitations for the state the debt was opened in, as Texas has a 4 year statute across the board. This account was opened  XXXX   XXXX   2012 . I was not informed that the call was being recorded nor was I informed that it was a debt collection call or that the information requested would be used for that purpose. This company is practicing illegal debt collection acts and pursuing debts that are outside of the legal time allowed. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My identity was stolen and I have some inquiries and two collections on my account that arent me. Ive called XXXX and XXXX and sent letters. I called the companies multi time including spoke to each companies credit departments. XXXX hangs up on me and sends me to a special handling department. I have never lived at the address XXXX XXXX XXXX XXXX XXXX IL XXXX Ive have express to them the consumer laws for inquiries 15 usc 1681n & o. Also 15 usc 1666 & 1666b. They are not abiding by the law.

Out of the 7 inquiries only the XXXX XXXX inquiries are what Ive applied for. Ive been working on fixing the things on my credit now for almost a year. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 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 2021-12-27
Company: Experian Information Solutions Inc.
State: MO
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/XXXX, I gave written notice of dispute to Clarity Services disputing multiple items of information as inaccurate and the result of identity theft. A XX/XX/XXXX consumer file disclosure did not identify those previously disputed items as " disputed, '' nor were those items deleted. As of the undersigned date, Clarity has refused to provide disclosure of 1 ) the reinvestigation procedures used to investigate the disputes, 2 ) identification of the business name and address contacted during its reinvestigation, or, 3 ) the business transaction records and applications evidencing the identity theft against this consumer, all pursuant to 15 U.S.C. Sections 1681i ( a ) ( 6 ) ( B ) ( iii ) ; 1681i ( a ) ( 7 ) ; 1681g ( a ) ( 2 ) ; and 1681g ( e ). Clarity has received correspondence from consumer consisting of a XX/XX/XXXX dispute ( which includes a XX/XX/XXXX request for disclosures and the XX/XX/XXXX dispute with exhibits ) and a third request for these disclosures made on XX/XX/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 2021-09-16
Company: EQUIFAX, INC.
State: NC
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:
collection account from XXXX collections was placed on my Equifax credit report. 

On XX/XX/2021 I sent a certified letter to XXXX collections to validate this unknown debt. 

XXXX did not respond to the notice to validate the debt On XX/XX/2021 I sent a second notice requesting validation- no response On XXXX I sent 3rd notice. 

I also sent a notice to Equifax on XX/XX/2021 informing them that XXXX failed to verify the account and to investigate and remove from credit report. Equifax failed to properly investigate this account and responded to me by mail stating the account was investigated and verified. 

On XX/XX/2021 I sent another notice to Equifax informing them that XXXX wont validate the account and its the law to remove As of today Equifax refuses to properly investigate the account and ignore the law by reporting an account on my credit report that couldnt be validated by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Westlake Services, LLC
State: GA
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 was previously financed through US Auto Sales, a buy here pay here lot that went out of business and shut it doors with out any explanation to the customers. Upon calling Westlake Portfolio Management institution several times via phone and email, requesting information about the new contract in writing and also I stated that the amount owed on my vehicle is also in correct I never received the requested information only a Power of Attorney agreement that they can speak upon behalf off US Auto Sales. I was notified by WPM representatives that US Auto Sales filed bankruptcy and if I wanted additional information I would have to hire an attorney to obtain additional information. I was also advised that the contract I had with US Auto sales is no longer in existence and all services that were offered by US Auto Sales will not be offered by WPM ; such as car insurance, gap insurance, repairs to vehicle included in the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Lockhart, Morris & Montgomery 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:
I filed a dispute in regards of the incorrect items on my credit report with the credit bureau, it has been well over 30days, and I haven't recieved any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: AL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  Balance : {$840.00} ; XXXX XXXX  Balance : {$3600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX  year of credit history is no longer available on my credit report. This information includes : 1. Loans : Loans repayments that were completely paid off on time as well as my mortgage payment history. 

2. Credit Cards : I had credit cards in my name which reflect a solid repayment history.

3. Mortgage : Mortgage repayments paid for two properties no longer appear on my credit report.

I am filing this complaint to have this information restored to my credit report as well as an adjustment to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have filed a Cease and Desist with Navient formerly Sallie Mae to not call me. They have been calling me daily for the last week. I am not late and do not owe. Have requested in writing valid loan information and they have not sent to me. 

They are breaking the law again.

Company response to consumer: Closed with explanation