BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Rocky Mountain Capital Management
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX is a XXXX  XXXX XXXX XXXX XXXX XX/XX/2020. The company 's File Number is listed as XXXX. 

The Registered Agent on file for this company is XXXX XXXX XXXX XXXX and is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX. 


This is the company the debt was sold to however they can not be reached whatsoever and XXXX and XXXX  continue to report the same information month after month and update the account. I dont know how they are able to get in contact but i can not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian will not allow me to cancel my subscription. I signed up for a free trial. I was billed once. I then tried to cancel it. It appeared to be cancelled. It was not. I then got a new card- and they will not stop trying to pull money from the old account. I get emails and text notifications. They will not stop. I try to go to their web page to cancel- it won't even let me get to a page now to cancel- just a page to update my payment information. I do not want to use this service. It's borderline harassment at this point.

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 2023-08-08
Company: Chester County Auto Finance Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of 2020 I initiated a dispute with XXXX on my installment account with Chester County Auto Finance and XXXX XXXX XXXX dealership in Pennsylvania. I initiated the dispute because of the " balance/amount owed '' information was wrong on my report. This was a current installment car loan. Due to the creditors not responding to the dispute within 30 days the account was removed from my report which caused my score to drop almost XXXX points at the time and lose credit history and payments. I reached out to the creditor Chester County Auto Finance and the XXXX XXXX XXXX dealership. Throughout my conversations with them over the past 2 years, they have refused to report my account standing to XXXX. The creditors have told me everything from that I must report the account to the credit agency, that they have already reported the account, they can't report the account, I must send a formal letter for them to report the account amongst others. I made over XXXX on time installment payments after the dispute including very large payments to pay the loan off early. The XXXX on time payments over XXXX years on a $ XXXX loan that was paid off early was never return to my credit report and is still not on there over 18 months after the loan was paid off. This has caused negative effects on my credit score, credit report, credit history, and my potential on getting loans and better interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2022-12-27
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX This Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the following inquiry : Credco on XX/XX/2019 Please investigate to ensure there is no fraudulent activity.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: CO
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: Problem with personal statement of dispute

Complaint:
Hello, My mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX I was not aware of this transfer. I was made aware of the transfer when my credit monitoring service alerted me of a massive drop in my credit and I began investigations. The day i was made aware, I brought my account up to date and made all outstanding payments. I have an exceptional payment record to all parties. The agent who helped me let me know that " all the mail we have sent you has been returned '' and we determined that XXXXXXXX XXXX did not have my correct mailing address. They did not include the unit number and thus, I was never notified that my account had been transferred. XXXX had my physical property address All Digital communications from the bank ended in my spam calls from unknown numbers also were flagged as spam. 

I was transferred to customer service and they submitted a request to remove the negative credit memo they had reported, and said, " this is our fault as we did not properly notify you. 

The next day I was sent an email saying my request had been resolved and changes will be be reflected in my account. I called to confirm details of the resolution and was told my request was denied. After horrible customer service, I was told that this was entirely my fault and unless i can prove that they had the wrong address they could not help me. I am also confused as the statements that the customer service reps provided show XXXX as well as XXXX. 

Attached you will find the statements from XXXX showing that despite having the correct physical address, they did not include the unit number which resulted in all the mail being retuned and me not being notified.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: KS
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-07-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX  CT XXXX XXXX XXXX SC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
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:
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I co-signed XXXX private student loans with my daughter for her 4 years in college. She graduated in XXXX. We have had trouble making payments, and Sallie Mae has given us forbearance and reduced our interest rate. We were paying XXXX percent interest. They offered us a reduced rate for 3 years of 4 % interest. That 4 % interest expired at the end of XX/XX/XXXX. They raised our interest rate to 12.70 % and my payments went from {$680.00} per month to {$1300.00} per month. I can not afford that. Sallie Mae absolutely refuses to offer me a new lower rate and now I have built up a {$5000.00} late payment and I am losing my mind. My credit rating is ruined again and I can not refinance these student loans anywhere with anyone. I have offered to roll the late payment back into the loan if they can give me a lower interest rate. They have consistently refused. 

Help! Please and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2021-01-30
Company: CITIBANK, N.A.
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:
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-12-11
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX have 23 credit inquires never made and refuse to remove them after i disputed them and there are accounts they tried to take money out of my bank account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - ending in XXXX XXXXXXXX XXXX - ending in XXXX XXXX XXXX - ending in XXXX XXXX XXXXXXXX XXXX XXXX  ending in XXXX XXXX ending in XXXX XXXX XXXX ending in 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen and transactions were made on my account without my knowledge for 90 days until I have noticed. I have reported my card as stolen the moment I became aware of it and disputed all the transactions involved totaling ~ {$3000.00}. During the process I found out PNC Bank gives their customers 60 days for disputes and a month worth of fraudulent transactions were not credited back. I have lost ~ {$800.00} because of that. Through my research I was able to find out 60 days is the minimum dispute time limit allowed by the government and while PNC chose to implement that, other banks in the area ( XXXX, XXXX XXXX, XXXX XXXX XXXX ) give their customers 90 days or more. The debit card is backed by XXXX and many of the transactions in question had gone through their payment platform. XXXX offers 120 days for disputes to their customers. XXXX representative told me over the phone they do not deal with this outside of reporting the card and issuing a new one and my financial institution is my only option. Escalating my problem within PNC allowed me to talk to some of the managers including my personal case manager and all of them follow their cold rules without exceptions. After telling my case manager about other banks offering 90 days I was told she doesn't care about what other banks do. Banks and XXXX make billions of dollars in net profit every year and refuse to do what is right for the hard working American citizen. They place the burden of what was essentially stolen from within their institution, without any wrongdoing on my part other than not being vigilant enough, onto me. The whole premise of a bank is to keep money safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, I received a copy of my credit report and found several inaccurate information and fraudulent accounts on my credit report that were not opened by me ( See attached FTC Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I communicated with the alleged debtors and requested proof of claim and to validate the debt within 30 days ( See attached Debt Validation Letter ), and so such debt was validated.. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, a line of credit or for to procure goods and services.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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 inructions 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 non-monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: AZ
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 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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