BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Thaxton Investment Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Southern Management Corp intentionally put on my credit report that I made a payment of XXXX on an old account just to make my score go down. It was a flat out lie, they did it because I disputed this account, in which, that is my right. This action made my score go down by 56 points. I then disputed the payment with Equifax credit bureau again, and Southern Management Corp sent in false late payments to make my score drop again. This fraudulent act cause my score to drop almost 100 points all together. I am attaching proof with this complaint, also can you please tell me if I have the right to file a lawsuit against them? Their fraudulent act caused me pain and suffering and my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
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 number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX  XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2021-03-09
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from ERC about an account not paid with XXXX XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX XXXX and this is not my debt. I have had no prior notices from XXXX XXXX XXXX XXXX and this is " out of the blue ''. I also read online that this same thing has happened to other people also billing from XXXX XXXX XXXX XXXX that is not their bill from this same company and that they have many consumer complaints. I assume this is a scam. I do not want to reply to the company to encourage them to continue. 
I am XXXX years old. I should not have to deal with this fraud. 
This is the information from ERC : Account number XXXX ; Reference number XXXX the amount of XXXX due to XXXX XXXX XXXX XXXX. 

I do not have an account with XXXX XXXX XXXX XXXX and I have never had an account with XXXX XXXX XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 notice some inaccurate and incomplete on my credit report last month so I sent XXXX a letter on XXXX disputing the negative information including personal information and inquiries with XXXX certified receipt XXXX XXXX XXXX XXXX XXXX. Have not heard from them regarding this matter, per 15 USC 1681a all items have to be 100 % accurate and complete. I am asking for assistance to speed up the process because it keeps me from buying a home. I sent TransUnion and XXXX letters as well pertaining to the inaccurate items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2023-06-28
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, with 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 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 2023-06-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We moved into a new home 2 years ago this past XXXX. The escrow, collected by Penny Mac, is included in the mortgage and we pay approximately $ XXXX in taxes. We had the sufficient funds put into the escrow account to allow for future taxes that had not yet been assessed. In XXXX of XXXX, we received a check for {$10000.00} for what they said was an overpayment of escrow. We called Penny Mac and verified that was indeed our money to spend. They had too much money in the escrow account and this was the refund. However, at that time, we also called the tax collector and was told that the property had yet to be assessed. 

A year later we called to check to be sure all taxes had been paid. Well, it seems that Penny Mac had to pay 2 late fees.one for {$900.00} and another for {$300.00} because of their carelessness. Weve made many phone calls to this company to check on the taxes. They are completely incompetent. 

On XX/XX/XXXX we called the company again to be certain that everything was paid and up to date. At that time, we were utterly shocked to hear we owed them the {$10000.00} dollars back they had mailed a year previously after they told us verbally it was ours to keep. We talked to them a long time trying to understand this error. We were told that THEY had made the error and THEY had trouble with the taxes. We asked to speak to a supervisor and was told we would receive a call back in a few days. NOTHING! No call nor a letter from XXXX XXXX explaining the situation. 

This past month, we receive a new mortgage payment for {$750.00} more than the original payment, without any notification of this new amount. We are retiredI am XXXX and my partner IS XXXX XXXX XXXX. We dont have the jobs to go make an extra $ XXXX each month. This is unacceptable on every level. 

It was their error and they are not novices to the mortgagee business! They didnt even have the courtesy to call or write to us about the situation. We dont have an extra {$750.00} each month and we dont choose to pay for their mistake for the next 5 years, which was their solution. 

This is their responsibility and their error. We spent hours on the phone with this company and it was never satisfactorily resolved. There was XXXX communication from the company to us on how to correct the problem. We are looking for assistance. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: HYUNDAI CAPITAL AMERICA
State: TN
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:
On XX/XX/2022 I requested for Hyundai Motor Finance to stop sending me Notice of Default letter. For a loan that i never received form them and to remove there name off of my credit report and off of my Certificate of Title. 

On XX/XX/2022 Hyundai Motor Finance hired a tow-truck service company to come and steal my car. After I call XXXX police the Police Officer came out and found out that it was order my Finance Company. I informer the officer that I do not have a Finance Company. When the car was allegedly stolen they did a lot of damage. 

On XX/XX/2022 I filed a claim with my insurance company for theft of property. 

Hyundai Capital has impacted my life by there deceptive and deceiving practicing. 

I filed Bankruptcy it was the only thing that i could think to do at the time. The Bankruptcy case has been dismissed. 

On XX/XX/2022 Hyundai Capital America ( HCA ) DBA Hyundai Motor Finance filed a proof of Claim for {$29000.00} for money loaned that I never received.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
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:
I still see XXXX XXXX on my report after I said I had no knowledge of this and I didnt do it. My score a month ago was XXXX now its XXXX and I didnt see any new items causing it Ive requested proof of what made me loose a XXXX points and I still have not received anything this is a big deal also I had my credit frozen so for it saying a new card account opened four months ago how so its frozen and I received no notification alerting me and I still dont see the new account that supposedly was recently opened

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 2023-05-23
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:
I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00}

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 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not supplied proof under the doctrine of XXXX XXXX XXXX  Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore exist. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 I would like for this fed loans to be closed and removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-06-30
Company: CL Holdings LLC
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After finding out that Equifax had wrong name associated with my account and having placed six calls on why there was a freeze on my account it still was an issue. As requested by the company I mailed copies of my drivers license and social security card to them to correct the name. I received a letter saying this issue was resolved. Now today it is coming out that they are placing a fraud alert on my file since this issue was not resolved. This is a never ending problem with Equifax and incorrect reporting issues with them regarding my name and credit freezes. 


I then placed 3 calls within the last 2 weeks and have attempted to remove the freeze and the fraud alert on my account I am still not able to get my credit union a credit report from this agency. Attached is an email from my credit union as of today. This problem dates back to XXXX when I first filed this complaint with this Bureau. 

When calling them when you want to remove a freeze instead of offering an option to place or remove the automated system automatically places another freeze. So this ends up going round and round having to speak to someone who barely understands English as a second language. It takes no less than 20 minutes to get through the voice mail decision tree, texts to confirm identity so the calls take over 30 minutes once you get through to speak with someone who doesn't understand nor takes care of the problem. 

Here are the case numbers from last week and earlier today, there was a case number today but was unable to understand the CSR and could not right it down. XXXX & XXXX I need my file cleared off so I can get my autoloan approved. If this is not resolved I will call my legislators at both the state level and federal level to report these issues. The credit bureaus are impossible to work with and should be abolished!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: NV
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:
Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding XXXX XXXX XXXX I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. 

I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. 

I have called on XX/XX/XXXX to Equifax and XXXX. 
XX/XX/XXXX XXXX. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to XXXX. 

Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. 

I have received written response form XXXX  and Equifax. The letters in response just states the accounts have been verified but no evidence of that. XXXX has no sent any responding letters. Only updated info online stating accounts accurate. 

I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different account numbers. Please reach out of any other is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$380.00}

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 2023-02-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XXXX, I reached out to USDA  and requested : I request a goodwill removal of the negative ratings on this account due to XXXX. I enrolled in the XXXX moratorium during that time so the account should not have reported late. Please help me as the XXXX late payments are causing a negative affect. 
USDA did not respond and the credit bureaus are still reporting the inaccurate information even after submitting proof that the information was 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