BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing to express my deep dissatisfaction with the lack of response and action regarding my attempts to adjust the principal balance on my account. In the months of XXXX, XXXX, and XXXX of XXXX, I sent multiple checks and clear instructions via certified mail to request these adjustments, and to my utter frustration, none of them seem to have been acknowledged or processed. 

I have reached out to your customer service on numerous occasions in an effort to follow up on these requests, but I am yet to receive any tangible results or even a satisfactory explanation for the delays. It is incredibly disheartening to be met with such indifference and inaction from an institution that I have entrusted with financial matters. 

I would like to draw your attention to my concern that pursuant to 18 USC 8, I am not in debt, and all of my accounts should be considered prepaid, as per the XX/XX/XXXX act. Therefore, I am left baffled as to why my simple requests for adjustments have not been addressed promptly and efficiently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-17
Company: Rent Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a negative reporting on my credit report. I did not notice it until now. It says that I owe Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX {$5200.00}. It says date of account status XX/XX/XXXX. The original billing agent says XXXX XXXX then its cut off on the report. It shows I did not pay as of XXXX of XXXX. I have never owed this amount to anyone and did not open any lines of credit for that amount to any company, let alone one called XXXX. It says its seriously past due but I have never recieved a call or notice. I only found out when I saw my bank stating my credit score so low when I have never missed a payment on any of my bills. Apparently this has been on there for m onths without me knowing and it is not my charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: General Motors Financial Company, Inc.
State: OK
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:
I have no knowledge of these inquiries and want them off my credit repost ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Updated Report : Utility service registered with my personal information as a result of an identity theft event. Please remove this record off my credit report : XXXX XXXX XXXX. XXXX XXXX. Balance : {$590.00}. 

Someone in the State of XXXX XXXX rented a residential property in XXXX during the XXXX XXXX pandemic, using my personal information and I was XXXX the same year due to failure to pay rent. I have never been in the State of XXXX XXXX nor I have never signed any residential lease for any property in the State of XXXX XXXX I have been living in the XXXXXXXX XXXX XXXX since XXXX of XXXX. At the time of this event I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a XXXX XXXX XXXX  managed by XXXX XXXX XXXXXXXX XXXX ( ph : XXXX ) and my employer was located in XXXX XXXX as well. Updated XXXX : I have noticed another negative record on my credit report as a result of this incident - XXXX  {$590.00}.

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 2021-04-06
Company: EQUIFAX, INC.
State: CA
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 was trying to put a freeze on my account at Equifax after I learned about the XXXX information breach today. 

I sign in and when through all the hoops to get to the freeze and then then the process stop and I was told to contact customer care team. 

I called the phone given - XXXX XXXX XXXX XXXX and I went through a big long phone loop XXXX to no avail. I tried many times. I found another number - XXXX XXXX XXXX and it was the same big long phone loop XXXX that got me no where. There is not a route to speak to a customer care team member so that is a lie and a waste of time bunching in all these numbers to prove who I am and in the end Equifax phone hangs up on me. I tried 5 times, wasting an hour. 

Equifax phone message - you can remain on the line to speak to an agent is a lie!!! There is not a phone route to get to a real human being to talk to to resolve an issue. 

I could write in-depth about the many pick a choice questions ask for proof its me and when I press 5 for none of the above it keeps asking the same question, no matter how many times I press 5. 

I still do not have a credit freeze on my account. 

Clearly Equifax doesnt care about the consumer and they know they dont need to because of the monopoly of the three agencies - Equifax, XXXX, XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: WA
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:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$6000.00} XXXXXX/XX/XXXXXXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XX/XX/XXXX| XX/XX/XXXX N/A Inquiry {$0.00} XXXX XX/XX/XXXX | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted the collection agencies and the credit reporting bureaus regarding fraud and Identity theft. A freeze was placed on all three reports due to this issue. 
XXXX XXXX XXXX  Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX  Opened XXXX {XXXX} XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened 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 2022-12-18
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XX/XX/2022 I have mailed letters to the different credit bureaus and within a couple weeks they would come back as verified and when I asked for proof they send me a bill with name and address no signature or anything, and when I asked again for better proof they said they won't reinvestigate or open another 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 2022-12-19
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am having an issue opening up a checking, savings, and personal loan account with Marcus Goldman Sachs. Marcus Goldman Sachs is refusing to open up any accounts for me due to me having a previous bankruptcy in my XXXX XXXX, XXXX, and XXXX credit report. Marcus Goldman Sachs is discriminating against me based on my race and me having a previous bankruptcy on my credit reports. Marcus Goldman Sachs is in complete violation of the of the Equal Credit Opportunity Act ( ECOA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
XXXX way to go on not doing what the law requires. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying Credit Acceptance and they are NOT in compliance with FCRA reporting and your bureau did a XXXX-XXXX  job on looking into this. All I want is this corrected 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 2022-04-08
Company: EQUIFAX, 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 status incorrect

Complaint:
These accounts on my credit report has been taken care of with the company XXXX. They were both paid in full as you will see in the attachments and agreed to be removed as a paid for delete. Ive disputed this information with Equifax at lease twice but they still refuse to remove from my credit report as XXXX did. This information is preventing me from receiving approval for a Mortgage loan for myself and family. These accounts were paid on XX/XX/2019 ( {$100.00} ) and the other on XX/XX/2019 ( {$130.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
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 itemsI '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 : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as XXXX  ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the XXXX Data Breach and may have got into the hand of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX XXXX XXXX  for two charged off credit card accounts. I settled directly with XXXX XXXX and paid them directly. On XX/XX/XXXX I entered into a payment arrangement and settlement agreement with XXXX XXXX directly to pay the amount over 3 payments. I initiated the first payment on the same day. XXXX XXXX submitted my file to LVNV Funding a collection agency, on XX/XX/XXXX according to my XXXX XXXX credit report. The debt was paid in full on XX/XX/XXXX and yet the initial {$930.00} balance is showing as still outstanding on all three credit reporting agencies. I've disputed the collection with all three bureaus and with the company itself on XX/XX/XXXX and again today. I was told that the previous disputes were input incorrectly and they'd look into it. They asked me to call back within a few days and they'd hopefully have it corrected. 

This incorrect reporting has damaged my credit for over a year and it seems willful from LVNV that they knew the debt was paid, and were still trying to collect on an already paid debt while using the pressure leverage of reporting false data to  XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-01-03
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation