BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: GA
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:
I reviewed my XXXX XXXX and noticed that i have two late payments on an account that i was not late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer info to the best of their ability with accuracy. I have been late on this account in the past but Equifax should not be allowed to tack them on just anywhere they please, because i experience a rough time in my life. Please invesitage account number XXXX on XX/XX/XXXX and XX/XX/XXXX are showing late on equifax but the the other credit agencies reporting on time. I just want them updated to on time so that its true to me and i can try and continue to have good credit. Please provide proof if not proof is provided i Demand that they update those 2 months as current on time. Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: Experian Information Solutions 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:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX  XXXX {$9300.00} DEPTEDXXXX XXXXXXXX {$3600.00} XXXX XXXX XXXX {$500.00XXXX XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}

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 explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX Account Number {$8500.00} XX/XX/2012 Date Opened Please remove off all 3 credit reports according to Law after 7 years account should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: LA
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:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX XXXX XXXX XXXX  COMPANY Account Number : XXXXPlease remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Date opened is not accurate across all credit bureau XXXX XXXX is not accurate across all credit bureau credit limit is supposed to be accurate last reported is not accurate date of last active is not accurate across all credit bureau date of last payme XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Identity Theft XXXXXXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: KINGS CREDIT SERVICES
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: Old information reappears or never goes away

Complaint:
These items appear on my credit report. Theses items we re d   ischarged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED   IN Chapter  XXXX  Bankruptcy :   XXXX   XXXX   IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( I llegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away ) KINGS CREDIT SERVICES  ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My personal information was used without my consent in order to open credit and put inquiries on my credit report which is hurting my credit. 

Transunion ; 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 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 2023-07-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I Disputed Bankruptcy on my credit report and ask Experian and XXXX to Verify the bankruptcy. They said that it was Verified .They never sent proof of the verification from the court house. I also contacted the courthouse to Verify their release policy and the court informed me that they don't give information to anyone with the debtor 's full social number and they don't provide Any credit bureau Any information of any bankruptcy cases. That's a Violation of the Fair Credit Reporting Act. To report inaccurate or unverifiable information on a credit report. FRCA ( 15 U.S.C 1681 Bankruptcy Case XX/XX/XXXX Docket # XXXX XXXX  XXXX Bankruptcy XX/XX/XXXX Dismissed.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-07-06
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2017-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TN
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  Account XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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:
Disputing errors on Experian credit report. For over a year, every 30 to 45 days via Certified Mail I have been attempting to fix errors on my credit report. Each time Experian does not correct the problem, and at times they add additional incorrect information to my credit report. 

Specific example : I paid in full a second mortgage with XXXX XXXX XXXX in XXXX. Experian reports that this loan was " written off ''. I disputed this. On three occasions I provided Experian with proof that Experian 's reporting is not accurate in the form of a letter I received from XXXX on their letterhead stating that the loan was paid in full in XXXX. Now, in addition to not fixing the incorrectly reported account status, Experian added that the loan was " charged off '' in XXXX and XXXX of XXXX to the payment history. When I spoke to experian, I was told that they received my letter from XXXX XXXX when the loan was paid in full -- however that Experian only reports what XXXX tells them to report. When I said there is no way XXXX added the incorrect data to my credit report, the response I got from Experian customer service ( XXXX ) was " they always blame it on us. '' Experian 's inacurate reporting has caused my credit score to plummet, the inability for me to obtain credit, and it has prevented me from obtaining housing for over a year. 

Each dispute filed with Experian monthly for over a year provides the same incompetent results. Further Experian blames XXXX for reporting the data incorrectly, shifting the burden of accuracy to XXXX. When I contact XXXX they tell me they do not report what Experian has on my credit report XXXX they report what is stated in the letter of proof I sent to Experian XXXX, and they are not reporting the loan was " written off '' nor any activity beyond 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 2023-05-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted initially by XXXX document verified services with a reference number and phone number of legal office to contact. When I called the number that was provided to me, the name of the company was XXXX XXXXXXXX XXXX. I provided the reference number I was given by XXXX. They had my name and last four of my Social Security number and claimed that they had documents for me and I was being sued by HSBC Bank for a credit card through XXXX XXXX that I had and it was closed out approximately 15+ years ago. They claimed they would email me the official debt documentation and that hardcopies were being delivered to my home because I was being sued. They told me that they would work with me on making payments at a 30 % of the balance and developed a payment plan with me. They sent me a text message where I was able to verify the agreed payment plan. I provided a debit card and made a {$300.00} payment. After getting off the phone I was told I would be emailed the agreement which never came and I started to become worried that I was scammed so I called HSBC bank and provided the account number that was given to me by XXXX XXXXXXXX XXXX. I also provided my Social Security number to HSBC Bank to look up and see if I had an account with them. It was linked to a Social Security number that it may have been previously closed out and there was absolutely no record of me on file for any type of debt. I contacted XXXX XXXX XXXX again and they were unable to provide me with said documents and had no answers for me as to why my information wasnt on file with the company that they said was suing me. I made a {$300.00} payment over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Calvary Portfolio for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2015  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: SYNCHRONY FINANCIAL
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I had opened a plan with synchrony bank on XX/XX/XXXX and got {$6000.00} credit with no interest if pay full in 18 months. On XX/XX/XXXX when I was trying to make my first payment and set up an auto pay, I accidentally paid in full, and then I immediately contacted with synchrony, and they said that they will send me a refund check and restart my plan. On XX/XX/XXXX I received the check which issued on XX/XX/XXXX. On XX/XX/XXXX I start over the pay period. On XX/XX/XXXX I check my bank account and noticed they charged my over {$1800.00} interest charge on purchases. 
Synchrony count the months from XX/XX/XXXX to XX/XX/XXXX so they said I didnt pay in full on time. It was TOTALLY INCORRECT. When I accidentally paid in full on XX/XX/XXXX, the system told me the period was ended and I cant reopen by myself. Until XX/XX/XXXX I was able to make a payment. The period should be counted on XX/XX/XXXX or 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 monetary relief
Consumer complaint received 2023-05-19
Company: CAINE & WEINER COMPANY, INC.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Caine & Weiner properly investigated this account because there are obvious inaccuracies. 

The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is a clear 2-year difference and once again it is Caine & Weiner 's job to make sure this information is correct by conducting a proper investigation. 

Since you have not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported Caine & Weiner has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Received email in regards my accounts being compromised therefore closing my accounts without first verifying transactions involving me and seperating compromised transactions.

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 2022-04-11
Company: CCM Finance LLC
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 information incorrect

Complaint:
CCM finance is reporting negative account to my credit. They are stating that i had an account with late payments and i do not remember that ever happening. I have sent several disputes and i also sent a method of verification showing that i had an account with them that was ever late. CCM finance never got back with me. This is a violation of FCRA 623 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation