BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has inaccurately placed my auto loan in a charge off state in XXXX of 2021. XXXX ( 3rd party auto dealer ) paid the remaining balance of my auto loan in XXXX 2021, one month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of 2021 to payout the vehicle but according to XXXX, they never received it. XXXX intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to XXXX stalling for three weeks ) and also because of the disablement of my online XXXX XXXX account due to the buying process. 

Ive asked for the C/O remarks to be removed and provided documentation proving why case - XXXX agreed but never followed through with the removal. 

Ive recently learned that XXXX and XXXX are now affiliated with one another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.

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 2023-05-22
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. 
My only and correct social security number is XXXX. 
My only correct address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX. 
My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. 
Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. 
Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. Thank you.

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 2020-09-04
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: Investigation took more than 30 days

Complaint:
I have filed disputes with the XXXX, equifax and XXXX I have yet to get an response from them. I realize things are slow right now they can still reply within the time allow by law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
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:
I did not authorize this company to pull my credit. I have asked Cardinal Financial and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX/CARDINAL FINANCIAL COMP XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: TX
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:
When I investigated my credit report, I realized that the same of items were erroneous. The 3 credit Bureaus are required to investigate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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 belongs to someone else

Complaint:
I HAVE LOST MY IDENTITY AND I PILLED MY REPORT. THERE ARE NUMEROUS ACCOUNT THAT SEEMS TO BE INCORRECT ON MY REPORT. I SENT A DISPUTE LETTER ON THE XX/XX/2021 ABOUT THOSE ACCOUNTS THAT APPEAR TO BE INNACURATE ON MY REPORT. I REACHED OUT TO THE CREDITOR AND THE NEVER RESPONDED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NJ
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on 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 2023-06-08
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Report Date : XX/XX/XXXX CLOSED Account Status Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to 7 years from the date of first delinquency. 
Details Payments Historical Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 72 MONTHS Purchased From Sold To Balance and Amounts Balance {$990.00} Credit Limit High Credit Available Credit Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Account - Closed Installment XXXXXXXX XXXX XXXX Item disputed Amount past due Date XX/XX/XXXX Update {$0.00} They are reporting a debt that is 8 years and 2 months old and past the 7 year FTC guideline for reporting a bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Exeter Finance Corp.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account is ran as a charge off but I never received any of the 1099 cancellation of debt form and because of that this account is inaccurate and has to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Radius Global Solutions LLC
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:
Please see attached identity theft affidavit. Last and final warning to delete and remove said items from my credit reports.

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 2018-12-09
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:
Ist the XXXX XXXX - reported erroneously that I was over 30 days late, which I was not - they even reported before 30 days Payment is Due every XXXX of the Month - which was Paid on the XXXX ( see attached payment from my Bank ) XX/XX/XXXX XXXX XXXX reported I was 30 days Late - I received an email from Experian, XXXX  and XXXX on XX/XX/XXXX that my Credit Score dropped 100 points because of this - as mentioned above payments are Due on the XXXX - which means it is not Late until XX/XX/XXXX ( I immediately filed Disputes with each Credit Agency on the XX/XX/XXXX after the payment was cashed and 12 days before it would be late ) I guess they did there diligence - and ask XXXX XXXX if their report was correct, which again it was well within the time frame and if they did not have payment - it still had another 12 days before it was late. 

This is ludicrous that they report me late before the day and after they were paid?? 

( so I pulled the month prior XXXX payment same thing paid and they received well before due ) XXXX XXXX needs to be Disciplined - meanwhile, because of the false reports, my Credit is Devastated my FICO Score

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 2023-05-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2022-05-02
Company: Brown’s New Credit Bureau Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail in regards an account I do not recognize for the amount of {$1100.00} I have asked them multiple times to verify this account by sending me all documents requested, what type of services where given at XXXX XXXX XXXX XXXX please be advised that I do not give any authorization to XXXX XXXX XXXX to release my medical information since its very sensitive information. please be advised that if they cant verify this account it must be removed from my credit report if they report it to the credit bureaus its a violation of the FAIR CREDIT REPORTING ACT. reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Plastiq Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used the company XXXX to make a payment to my golf club, XXXX XXXX XXXX XXXX. I made the payment using a credit card in the amount of XXXX and a transaction fee of {$170.00} for payment due on XX/XX/XXXX. It was an additional charge to make the payment for next day!!!! 

But, the payment to my golf club was not received until XX/XX/XXXX!!! And my golf club says that my payment was late and therefore as a result I was penalized. 

I want my fee paid to this company returned and the company fined!!! Imagine if the company did this every time XXXX times and how much the company would make by forwarding the payment two days later than promised!!!! 

I have proof of the payment and date of promised delivery of the XXXX of XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Westside Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in no way, shape or form related to the debt trying to be collected. Yet the debt collection service, Westside Recovery Services LLC, and its agent XXXX XXXX, continue to harass my home, my family, and me by sending letters for a person I do not know to our address. Westside Recovery Services LLC, and its agent XXXX XXXX once again sent a letter on XXXX XX/XX/XXXX requesting debt response on Account # XXXX in the amount of {$760.00}. I have informed XXXX XXXX XXXX XXXX this does not relate to us nor do we wish to receive a stranger 's medical information which XXXX XXXX continues to share with us. XXXX XXXX has ignored our requests to not receive a XXXX XXXX XXXX information and not be associated with issues that do not concern us. We have lived here since XXXX. No such person has lived here nor do we know the person who purportedly owes this debt. Westside Recovery Services LLC and its agent, XXXX XXXX, has failed to verify the address of the person they seek, has failed to corroborate the address information with is completely incorrect, has failed to correct their action regarding our address, has failed to cease and desist from continuing in their erros, and repeatedly harassers us for something totally unrelated to us. It is unprofessional, misdirected, and a serious case of un professional misconduct, unethical behavior, and a case for consequence. XXXX XXXX XXXX XXXXt, XXXX XXXX XXXX XXXX XXXX are funding, sponsoring, and supporting this harassment. It must stop.

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 2023-05-29
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
on XXXX 2023, XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXX and Experian and XXXX XXXX. Upon my further research, this account was transferred/ sold from XXXX account to XXXX XXXX XXXX. 

I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation letter, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( Convergent outsourcing collection ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX ACC # XXXX, ( XXXX ) has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection was sent to LJ Ross but when service was reactivated at new address the debt was sent back to XXXXXXXX XXXX  and was resolved through XXXX XXXX. LJ Ross kept giving the run around and was not helpful at all. Spoke to 10 different people, kept getting transferred and very rude customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I sent a dispute request to National Recovery Agency and XXXX XXXX XXXX regarding some inconsistencies with the data they have furnished on my consumer report. According to the consumer report the information is totally inaccurate. I want verification that I owe these alleged accounts. I have never received any documentation granting me the ability to dispute these accounts. According to XXXX XXXX XXXX these corporations are required to promptly provide evidence of any claim against me.A statement with itemized items on it does not prove according to XXXX any debt. The original contract bearing my wet ink signature and not an electronic signature is the only thing I will consider to be proof. That document must list these companies as original creditors otherwise that would indicate fraud if they are trying to collect a debt that is not owed directly to them.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account # XXXX Account name : XXXXXXXX Account # XXXX Account name : XXXX Acccount # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), 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. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand 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. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document.

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 2023-03-21
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: Account status incorrect

Complaint:
I submitted a dispute to Experian, they closed the dispute and refused to reopen and take proof. Experian did not contact creditor and closed dispute prematurely

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