BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, 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 non-monetary relief
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 disputed late payment statuses being reported to the the CRAs by XXXX XXXX XXXX XXXX XXXX. I disputed with the creditors AND the CRAs by written letter on XX/XX/23, XX/XX/23, & XX/XX/23, and also electronically with the CFPB on date. I believe these account are STILL inaccurately reporting these late payments even after my numerous attempts to ensure the information on my report is being properly furnished. 

These accounts were marked verified by the creditor and bureaus. I was notified of results by letter and CFPB complaint results. 

Upon checking my recent credit report, I noticed something very alarming that needs to be brought to attention. Under the FCRA, I am entitled to accurate reporting at all times. 

On my most recent report, I am showing that both XXXX and XXXX XXXX have these accounts ' dispute statuses as " Account not Disputed, and are still reporting inaccuracies across bureaus. This is a very concerning inaccuracy as both companies and the bureaus stated they launched an investigation. 

I don't believe these accounts were properly investigated and verified. I no longer want another investigation. As a result of this improper investigation & my numerous attempts to ensure my information is being reported properly, I demand for these late payments be deleted promptly. These have been a hinderance, are inaccurate, and it is clear that these companies have not been complying to the FCRA laws as they are legally obliged to. They are untrustworthy even with my dispute processes to allow them to fix their errors. 

The CRAs are willingly furnishing inaccurate information following investigations. They are allowing these companies to be in non-compliance right along with themselves. They need to be held accountable. Please have this information removed immediately under the FCRA. Please send an updated report following these updates.

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 2023-09-26
Company: Lockhart, Morris & Montgomery Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Lockhart Morris and Montgomery ( LMM ) began reporting negatively on my credit report as of XXXX of XXXX for original debtor XXXX XXXX XXXX XXXX. I spoke with LMM through out the year ; however, LMM continued to falsely report that they were unable to get in contact with me and began employing predatory practices by inundating my credit report with inaccurate and derogatory remarks. I contacted the original debtor who provided the contact information for their billing department and PAID the original debtor. I emailed receipt of the debt paid in full to LMM medical manager XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called and spoke with XXXX, who was unprofessional, combative and stated " I'm not going to tell you what you want to hear '' and refused to transfer me to another personnel and proceeded to hang up on me and refused to provide details as to why LMM continued to add derogatory remarks on my credit even though the debt had been paid in full. XXXX stated she will not remove anything from my credit report and stated she will continue to provide false information to the bureaus. LMM needs to remove the debt and derogatory remarks completely from my credit report and should be ashamed for practicing in a deceptive, unprofessional and a predatory manner. I have recordings of the calls. The debt has been paid in full and they have record of receipt of this and are knowingly provide false information to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Highland Capital
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a phone call from a man claiming to be in the same county as I. He said he had legal paperwork to deliver, and that I was being sued by a company called Northwind Associates for an unpaid debt from 4 years ago. I asked what the debt was and he told me I had to call the company. He gave me a case number and I called. The man who I spoke with asked me to confirm my identity by giving my date of birth. He had my correct address, phone number, and email address. He proceeded to tell me that the debt needed to be paid otherwise I 'd be required to go to court. He offered me a settlement of {$670.00}. I paid it. I had remembered taking out a payday loan, but now that I 've done my research ( too late but I was TERRIFIED of having a man stalk me to hand me court paperwork and be sent to court or jail! ) I 've found that Northwind Associates is a scam company and they 're not legitimate at all. 

I just gave birth XXXX months early to a baby boy XXXX until XXXX, if not later. These people contacted me XXXX. I lost my job due to going into XXXX. I can no longer work because I 'm on maternity leave and once my leave is up, the XXXX is over ( I worked at a XXXX ). The income of relied on to save up and be able to buy my baby his necessities for life has disappeared due to giving birth XXXX. And then these jerks come along and scam me?! Now I 'm out {$670.00} and with our XXXX income completely gone ( my husband is military so we have that ) and a baby in the hospital over XXXX, we 've been cheated and done wrong. I am so heartbroken and sick over this.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: Nelnet, Inc.
State: PA
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 just checked my credit report and XXXX and XXXX is reporting student loan with Nelnet in the amount of {$30000.00} on my report as being past due on XXXX in XXXX as 120 days, nothing. On my XXXX report it states in that same time frame in XXXX I am 90 days late, This is incorrect. 

In accordance with the 15 U.S. Code 1679c this agency is reporting incorrect information to the credit agencies which in turn is dropping my credit score. Please remove this incorrect information off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Allen Tate Mortgage Services
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started the pre-approval process with XXXX XXXX at Allen Tate in XXXX XXXX, SC nearly 2 months ago. I submitted paperwork he requested. He then said he needed more paperwork. I submitted the paperworkwork again. He then asked for more paperwork, which seemed to be redundant. Today, he said he left a VM saying he would no longer be working with me, basically dropping me after submitting all this information. He directed me to the underwriter, who I have called twice with no response. Starting all over will mean my credit score will be lower causing an increase in rate, also I am not sure about his experience as he said he was mistaken about documentation for different loan. Overall, I feel ' hung out to dry ' by my experience and do n't know how to resolve this.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-03
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: Public record information inaccurate

Complaint:
Dear Sir/ Madam, Experian claimed that they do investigations and it takes time to respond, I have sent a complaint against Experian on the XX/XX/XXXX they responded the very same day, this is how they investigate, they just copy and paste the same answer over and over and disregard the damage that they have caused to my credit report. Therefore, I will be submitting a complaint to the State Attorney General and to the Better Business Bureau and to the FTC, at the meantime. My Personal Attorney is preparing a Big Lawsuit against Experian for all the damages and losses that they caused to me and my family of keeping a public record on my report that does n't belong. They will pay all the losses of thousands of dollars to me. I have read and understood the entire law of the FTC very clearly, Experian has violated the verification law and was very contradicting, I have saved all letters, emails, responses that I have received from this frivolous Bureau that do n't seem to have any regards towards consumers, I will also publish my complaints to the local and national newspapers against Experian and let people know what an abortion system Experian has. Verification according to XXXX XXXX Law Dictionary is " ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also, it goes on to say, " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX v. XXXX  XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>To break it down into language you can understand, verification is sworn testimony. It can be testimony in a deposition or in court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand knowledge. A court clerk does not have first hand knowledge nor does the county recorder, nor does anyone at the credit bureaus, nor does XXXX XXXX, the main public records source for the credit bureaus. If someone verifies but they do n't have first hand knowledge, then its not verification. I think it 's for Experian better interest at this time to delete all info and send letters of apologies before they get hit with unexpected consequences that could harm their reputation forever.

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 2022-09-13
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit report has been placed for identity theft and frozen long time ago. My credit report info was on the XXXX web and is still trying to remove transactions that are not mine. They keep calling my number about an account I do not owe or own!! They will not stop calling after, I told them to stop calling or I will have to sue them for phone stalking and lying about their identity. I found what their real company name was on the internet using their phone number ( XXXX ) XXXX. I do not have any paperwork from them stating I owe anything, and they are not on my report. They told me it was student loan debts, and I was behind. My loans are in default since XXXX and never late. Please have this company to stop bothering me and delete whatever debt they are trying to collect from the on the behalf of another company that sold them a XXXX on a XXXX  contract they believe is mine without sufficient evidence. like I said my reports are frozen and I can't see them online. So, if they did put something on there have them to delete it. 

Credence Call dates/ Times XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My wife passed away in XXXX someone has tried to hacked her email and all accounts associated with it. One of which was PayPal so I attempted to shut it down .Paypal recommended I also shut down mine a well and start a new one so I did. After working with them for over a month to shut down my wife 's account. They said they needed a photo Id of her and other info to finalize the shutdown Because of the hacking I said no! 
The next day they locked down my new account demanding I furnish them my photo Id and proof of residence bank routing no 's and other information that in my opinion would open me up to being hacked. I did not have to furnish this information to open the account. 
I have {$480.00} left in the account I can't access or have sent with out meeting their demands

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am banking with XXXX XXXX XXXX, this Credit Union merge with XXXX who I did my refinance with back in XXXX. I have never had any issues from my loan due to it came from my checking monthly for the due date. Back in XX/XX/XXXX I had a payment that did not come out due to myself having a family emergency with my father having a XXXX, made my payment on the XXXX of XXXX and did not realize I had left XXXX cent not paid. I never received any info by mail about the XXXX left over. In XXXX I called about why I was seeing a late fee after my payment was made from my checking, no-one could tell me what was going on, asked for a call back from a manger, never heard back. Forward to current I received a call in XX/XX/XXXX advising I was delinquent. I asked how? I also could not understand when my payments have been going down each month. It took me XXXX calls in to speak to a young man who advise me that in XXXX I did not fulfill my obligations to my loan, I then was online going through my transactions and seen it was XXXX cent that was not paid, Rep refuse to remove. I asked for leadership to call received a call later that day with a manager that did not look into anything and had no info and advise me she would look into how the notifications are sent. I advise her I did not receive any notifications at all said she will call. 
me back, yet to hear back from leadership. As of today, XX/XX/XXXX just received a notice that it is delinquent with all the late fee 's but nothing where the late fees came from. This has affected my credit by XXXX XXXX XXXX reporting. This has yet to be resolved. I have never been late with my payments and for this XXXX cent issue to not be resolved and having it affect me is mentally and stressful.

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 2017-04-07
Company: Southwest Credit Systems, L.P.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I began reviewing my XXXX credit report for inaccuracies in XXXX. Listed on this report is a collection company, Southwest Credit Systems, collecting on behalf of XXXX XXXX XXXX XXXX. I have never done business with either company. I requested a copy of the signed contract from Southwest Credit Systems to prove whether I owe this debt to this company or XXXX XXXX XXXX XXXX on numerous occasions. I was given several copies of a printed invoice, however, this invoice did not include my legal name. I also sent several requests to XXXX to either provide the validated information of me owing this debt or remove this debt from my credit report. XXXX has not provided any information to me that this is a valid debt. On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX stating in order for XXXX XXXX XXXX XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XXXX XXXX, XXXX, I requested from XXXX XXXX a copy of the contract that I signed to prove I owe XXXX XXXX XXXX XXXX for this account. On XXXX XXXX, XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX XXXX, XXXX XXXX and XXXX XXXX, this is reporting to my credit report as bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CAB Receivables, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CAB Collection continues to verify and report to the credit bureaus a debt that is a result of identity theft. The address where the utilities was set up is an address to which I never lived and I never authorized the transaction. I have a police report on file and have sent to all XXXX bureaus. The reporting of this account is not only inaccurate but it is causing me and my credit rating serious damage. I needed to let this go on record since CAB is n't willing to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX 4 year secured refinance loan with collateral. Payments were never late. Their last statement generated for this loan account ending # XXXX even states that when they are reporting this loan accounts last payment made XXXX and even 60 days past due with XXXX. XXXX XXXX is falsely reporting a Charged off Credit Card account thats been delinquent since XXXX XXXX XXXX XXXX which is over the 7 year delinquent account reporting statue and they refuse to remove it.

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 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I disputed many times to verify a capital 1 account that is seriously doing damage to my credit profile.The capital 1 account ending in XXXX was opened in XXXX which is 8 years ago, The date of first delinquency is HIGHLY important because the report would have been deleted from my credit profile if that date is before XX/XX/XXXX. I asked the capital 1 to provide me with proof of payment detail but they continue to update unverified and inaccurate information that does not support my claim and ignore what Im actually disputing. Proof of inaccuracies are the last payment date showing as XX/XX/XXXX but pic of payment summary shows account is 90 late on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion will not share what my XXXX and information would be. They are a main credit bureau and connected with big apartment databases like XXXX  They advertise their XXXX here https : //www.transunion.comXXXX I contacted TransUnion by phone today to ask for my XXXX  and information to make sure my rental applications would go smoothly. They told me there is no way to give me that information without a rental application already being submitted. 

If TransUnion can provide a XXXX and other information about me to landlords- I should be able to see and monitor that information to know what is on there, make sure it is accurate, and have a chance to preemptively dispute any inaccuracies.

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