BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
I have spoke with Target representatives several times, they are stating I am late 3 different times on my credit report which is simply not true. I do have proof that they were paid and how they were paid. I even sent a letter to the CEO and financial services of Target and they will not respond. I need help at this point because they are reporting incorrect information on my report. I am trying to purchase a home for my family of XXXX. I did have XXXX and I did get behind in XX/XX/XXXX, but they are not reporting correctly for XXXX and XX/XX/XXXX, I was NOT late. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter back in XX/XX/XXXX requesting for information about this debt that they said they I owe never got a response back but someone indeed receive the letter. I called today to try to work something out however got the phone imaging up in my face five times before finally speaking to someone and the woman that I spoke to was very rude and unprofessional and she was not willing to work with me or understand my situation. I explained to her I am currently unemployed. I lost everything back in XXXX and now Im trying to get everything in order for myself and now due to COVID 19 its a lot harder for me to do those things. I am currently not working and its hard enough as is to try to get things together for myself and children. The amounts she gave me to pay was high and when I asked to speak to a supervisor or manager she refused me and told me those were my only options.

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 2021-02-17
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 I sent a debt validation request to this company, and rather than validate the debt I was sent a detailed list of my medical records without verification of identity needed to access Private Health Information. This is a direct violation of HIPAA regulation as I have never signed a HIPAA release form authorizing them to have, and distribute this information so carelessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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:
I'M A VICTIM OF IDENTITY THEFT THIS IS MY SECOND REQUEST TO REMOVE THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a Comenity Bank issued credit card, XXXX Visa while purchasing makeup at XXXX on XX/XX/2020. This company is listed on my credit report as XXXX XXXX Due to Covid-19 hitting in early XXXX, the mail was slightly behind and I did not receive my actual credit card and first bill until XXXX XXXX, 2020. I paid the bill immediately upon receipt on XX/XX/XXXX. The first bill said that it was due on XX/XX/XXXX. A late fee of {$29.00} was assigned to the account on XX/XX/XXXX, which was 27 days after the card was issued. I called in to dispute the late fee. The company representative assured me it would be removed and would not be a problem on my credit report. However, I later noticed that the late fee was not removed and I decided to close my account and did so. When I called in to make my final payment, the representative convinced me to keep the card open, acknowledged their mistake, and assured me that the late fee would be removed and it would not go on my credit report. This time, the late fee was removed and I thought all was well until I recently obtained a copy of my credit report and saw that Comenity Bank had listed my account as 30 days past due for XXXX of 2020. This bank promised me on multiple occasions that since my mail was late due to Covid-19 that this would not go on my credit report. They have already acknowledged this by removing the late fee. This is simply a mistake that needs correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
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:
EQUIFAX I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX, XXXX. 

Inquiry : XXXX XXXX, XXXX All Others ( XXXX ) XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 reported to both XXXX XXXX and XXXX  XXXX  XXXX that this account was re aged and that this in accurately reporting is hurting my credit in harmful way.ive tried to resolve this violation of my rights under the fair reporting act. Transunion and XXXX  shouldnt allow XXXX XXXX to repot a closed account be re aged with out an investigation

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 2019-08-08
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:
I am a victim of identity theft. I have fraudulent items on my credit report that I did not apply for nor did I give permission to anyone else to apply for. I never submitted my personal information to any bank to apply for any loan or credit card or bank account. There are also credit inquiries on my credit report that were generated because of those fraudulent applications.

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 2021-03-17
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a severe XXXX XXXX during my XXXX and fell behind due to complications. I was offered 2 month extensions ( 6 of them ) from XXXX to maybe XXXX. 

When the pandemic hit, I lost my business and employment. They offered me 2 extensions however there is still a pandemic and the entire economy is struggling. 

They have offered me a hardship modification which includes the SAME RATE, SAME PAYMENT and increasing my balance from XXXX to about XXXX additing 2 additional years to the maturity date saying I used all my extensions. 

I made a payment on XX/XX/XXXX as I confirmed with 11 employees that as long as it is made in the last day of the month they do not report late. They reported me late and dropped my score XXXX points which affected my ability to obtain financing for my business and recover from additional hardship. 

I spoke to XXXX, compliance Specialist who told me our business hours are XXXX Central time. So you made your payment after our business hours. " IF YOU GO TO XXXX 'S AFTER BUSINESS HOURS THEY ARE CLOSED. '' I ASKED WHERE YOU OPENED ON SUNDAY AT XXXX CENTRAL? HE SAID NO WE DON'T HAVE EMPLOYEES HERE '' NOT A GREAT WAY TO PUT THINGS! I have been told 11 times as long as the pay is done before next day we will not report it. And it was!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Herbert P. Sears Co., Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The data that you showed in my credit report I previously requested a proof of how you managed this. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.

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 2023-06-14
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: Information belongs to someone else

Complaint:
I received a letter from XXXX XXXX XXXX saying i owe them a debt. please provide a certificate of indebtedness showing i owe XXXX XXXX XXXX a debt. they said i owe XXXX XXXX XXXX. please provide a certificate of indebtedness from XXXX XXXX XXXX. 
Attached is prove i disputed the debt within the proper timeframe and XXXX XXXX XXXX is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to get pre approved for a home loan. All my credit is frozen b/c I have be part of multiple breaches ( Equifax, XXXX XXXX, XXXX, that I know of ). 
Yesterday I went to all 3 agencies and lifted the freeze with no apparent errors. I let my loan agent know, and this morning he informed me they are still locked. I executed the same effective window lift for each agency XXXX XXXX XXXX XXXX ). Today is the XXXX. 

If there is a transition period ( e.g. effective in 24 hrs ) they should inform me of that. They did not. 
If the XXXX was not available as an open date, it should not have been offered by their calendar. 
Finally, they all use robots for this service so there is no way to correct the situation or get information. 

This is totally unacceptable for a problem ( amassed financial information ) they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX  to purchase a vehicle ( XXXX XXXX XXXX XXXX ) I found in an online ad. Upon arrival XXXX test drove the vehicle and decided to buy it. I sat down with the sales person, XXXX, and we agreed to the terms of 8.38 % APR with a down payment totaling {$2600.00} in the form of a trade-in ( my XXXX XXXX XXXX ) for a total purchase price of {$31000.00} for 72 months at {$390.00} per month. We signed the paperwork and I was told that I would get my first bill on XX/XX/XXXX. We then closed the deal and I took the car home. Over the next month I was expecting to receive correspondence from Capital One but it never came. I waited another few weeks, on or around XX/XX/XXXX, and then I called Capital One to inquire about the lack of correspondence. At this point it is Around XX/XX/XXXX and I was told by Capital One that there was no record and that I would need to wait til the paperwork came through. Then, a few days later I received a call from XXXX XXXX XXXX saying the deal was not approved by Capital One and that I needed to bring the car back. I went back to the dealership on XX/XX/XXXX and XXXX, the salesman, explained that Capital One was at fault and that they did not approve the deal. So while I was at the dealership I decided to call the Capital One myself to find out why. The Capital One representative said that Used Imports Auto never submitted the paperwork and that Used Imports Auto was at fault. They then explained that my only option was to go through the credit approval process again. The two companies were essentially putting the blame on one another with no clear explanation at to what happened. I was essentially forced to make the decision to either return the vehicle to XXXX XXXXXXXX XXXX or go through the credit application process again for new terms. Because I did not fully understand the ramifications of doing so, I obliged. I subsequently received new financing terms consisting of a 12.63 % APR, with a down payment of {$2300.00} in the form of cash for a purchase total of {$33000.00} for 72 months at {$430.00} per month and the previous trade-in was nullified. I considered my options, which were very limited at this point seeing as my credit score had dropped significantly after they ran my credit the first time I applied ( it dropped due to the number of inquiries ). Additionally, I had already been driving the vehicle for a month and a half so I felt like it was already my own. I reluctantly signed to the new terms, and later tried to figure out later on what really happened to the previous deal. To this day I have not received any answers, but my mother convinced me to submit a complaint and I also plan to file a lawsuit. My credit has suffered a great deal from this exchange and I feel I deserve answers and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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 am writing to formally request the removal of a debt from my credit report due to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to comply with the provisions of Law 1006.34. This law protects consumers by establishing specific guidelines for debt collection practices and granting consumers certain rights and remedies. After thorough review of my credit report, I have discovered that an invalid debt is listed on my account. The debt in question is associated with XXXX GEORGIA XXXX XXXX. Pursuant to Law 1006.34, debt collectors are required to validate a debt upon request within a specified timeframe. Failure to provide proper validation or demonstrate that the debt is valid and enforceable renders the debt invalid and unenforceable, as well as necessitates its removal from the consumer 's credit report. This company has failed to respond within the specified timeframe or provide any evidence validating the debt. I kindly request that you remove the invalid debt from my credit report immediately. It is important to note that any negative reporting or reference to this invalid debt on my credit history is inaccurate and unjustifiable. I trust that you will handle this matter with utmost diligence and in accordance with the laws governing credit reporting. Thank you for your attention to this matter and for upholding the consumer rights. I look forward to a swift resolution. Sincerely, 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 2021-02-16
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021, I called National Credit Adjusters reference two account that were transfer to their company from XXXX XXXX XXXX  XXXX  XXXX. The two credit accounts one has a balance of {$400.00} and the another account has balance of {$420.00}. The two credit accounts were charge off and National Credit Adjuster is reporting the two accounts to the credit bureaus with an balance of XXXX for one account and {$420.00} for the another account. 

Furthermore, National Credit Adjusters have continual to call my job several time at XXXX XXXX XXXX XXXX, and I asked the company not to call me at work, but they continue to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Experian Information Solutions Inc.
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 filed a dispute with Experian and your office both because they are reporting an account from XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX for an old ( Over 7 yrs old account ), so breaking the FCRA and also because the account is being reported incorrectly, the bank made me make full interest payments of {$160.00} plus late fees of XXXX XXXX monthly for every month I was late due to job layoff during the last great recession in 2010, told me to do so as it would keep me from losing my car and from my payments showing as late and then did not report these monthly payments at all making it look like I paid nothing to them each month when the interest payment and late fee was only a few dollars short of my actual payment!!!! They also then put a balloon payment on my account and so charged me double interest!! I want all documents and proof of payments from beginning to end on this loan sent to you, myself, and the Federal Reserve Bank. I am also sending a copy of this to XXXX XXXX. I want this account removed from all three of my credit reports, it is reporting past the 7 yrs time period, also I was never notified of the results and it shows the completed the investigation at the beginning of XXXX AND all has been reported incorrectly for seven years so I want them to not only remove it but all reporting agencies to send corrected copies of my credit report to all who I have applied for credit with during that time period. I also filed this most recent complaint due to this bank continuing to report this account as open and active after it was paid and full and closed at my request years ago, another creditor told me they are doing this that I applied with and I provided this information to you, yet the bank is telling Experian and Experian is responding to me about my complaint that all is correct per the bank and won't fix it!!!! FIX MY XXXX REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!! As I said I am reporting all today to the 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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate 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 non-monetary relief