BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: VA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Amsher Collection Services, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted that my credit score had dropped significantly and received a major derogatory mark on XX/XX/2022. It says I have an account in collections with Amsher Collection Services on behalf of XXXX XXXX. XXXX XXXX is XXXX and XXXX doesn't even serve my area. The closest XXXX  comes to me in my state is 2 hours north. I've never had any services by XXXX and called XXXX first and their agent confirmed he couldn't find any account associated with my name. The reviews on XXXX are showing other people are receiving these same hits to their credit report with the debt supposedly stemming from a XXXX XXXX account. I really need to get this handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Investigation took more than 30 days

Complaint:
I have disputed negative information reported on my credit report with Experian several times. This is not my account XXXX XXXX XXXX. Fraudulent information regarding over credit limit in XXXX XXXX. This account has been charged off since XXXX. Experian continue to report as late and over the credit limit XXXX XXXX when it been closed since XXXX due to fraud activities over a year ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX repeatedly uses the phone to annoy me and by mail. Misrepresentation of amount owed. They have lied about government representation. Left voice messages threatening my arrest. Threats to forward account to an attorney. Left voice messages for me to meet them to be served papers. Left voice messages at my job about me going to be arrested, debt owed, etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: OH
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 paid off my personal loan with XXXX XXXX XXXX and Equifax has refused to update my loan balance which should be XXXX. Instead the account still shows open with a balance of {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The payoff check for my loan was received by Kia Motors Finance on XX/XX/21, and processed on XX/XX/21. The amount was never applied to my account, and no one at Kia seems to know where the payment went. The check had my name, VIN, and account number on it so it was easily identifiable. I have also provided them with the check number, but that did not seem to help either. They seem to have just taken the money, and expect me to make payments on a vehicle that I no longer own. The vehicle was sold to XXXX, XXXX and they were the ones who made the payoff. I am stuck in the middle with the threat of my credit being ruined, and no one seems to really care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX someone went online and changed my address without my consent through the USPS online system. I was made aware of this change, via ( through ) a credit monitoring service I have with another Credit reporting Agency. ( Bureau ) on XXXX XXXX, XXXX. On XX/XX/XXXXXXXX, I called into XXXX   after setting up an account with them, and noticed many changes, in accurate information, as well as old information still being reported, on the Credit Report from XXXX. 
I called into XXXX many times in reference to disputes that I had placed with XXXX, in reference to the incorrect information.. On one of my many efforts to reach a person who could assist, I was told that my disputes were being worked on. The next few times, I was told that XXXX  couldn't Identify who I was, the next few times, I was told they couldn't verify if the information I was asking to be corrected was in fact correct and would't place a block as I suggested until this was resolved. In XXXX, I was told to mail in or try to upload supporting documentation or documents pertaining to the information that needed to be updated and or corrected. I submitted a USPS change of address form, copies of identifying documents and court orders of my legal name and their own form to state what I was disputing in the Credit reporting. I did receive some correspondence back from XXXX at my updated physical address in XXXX of XXXX. which was after submitting the documentation. however, The disputes of my name, address and some of the reported Creditors, balances, had finally been looked into. However, not all that i disputed, concerning my name and correct and or updated address were resolved, nor were the items reported from the Creditors and some still seem to continue to soft pull my account on a monthly basis. My name was also incorrect on the retail side of XXXX in the areas that works to prevent identity theft, where one purchases a plan from XXXX. I have also explained that someone continues to tamper with the delivery of my mail and that same person also has changed my address back to more than one of my older addresses many times within the last year. 
I have been hung up on a few times with representatives at XXXX in the past also in the middle of a phone call. I have had to call them back many times. 
Since XXXX XXXX  and until my phone call with XXXX today, XXXX XXXX my efforts seemed to have proved little to resolve the issues. As of today, XX/XX/XXXX  my name, correct address and other information have been re introduced to an area of where the errors were first However, here now seems to an ongoing issue and Im asking for assistance to have this incorrect reporting stopped.

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 2020-07-15
Company: Experian Information Solutions Inc.
State: OH
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:
- My name is XXXX XXXX, last four of my SS # IS XXXX.My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by COVID. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!

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 2020-07-15
Company: EQUIFAX, INC.
State: OH
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:
- My name is XXXX XXXX, last four of my SS # IS XXXX.My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
- My name is XXXX XXXX, last four of my SS # IS XXXX.My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!

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: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Its about my on funds paypal, they limited my account 180 days i just want my money rightnow im suffering XXXX XXXX dont want my account back just want my funds to widraw my paypal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: OH
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:
There is information on my credit report that does not belong to me that is the result of identity theft. The account is from XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted an application for a loan modification to Wells Fargo. They denied it because they would not allow statements from the borrowers XXXX XXXX  account by XXXX XXXX to be used as a source of verification of rental income the borrower receives from her daughter. The borrower does not have a traditional bank account. She uses a XXXX XXXX card and a XXXX XXXX XXXX  card to handle her financial transactions. Cash app is similar to the XXXX XXXX offered by Wells Fargo that allows a person to instantly send and receive money from one person to the other without the need of a wire transfer. Wells Fargo would not tell us why the funds couldn't be used in spite of the fact we provided statements from the borrowers XXXX XXXX. account showing receipt of funds from the daughter.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 
In accordance with the Fair Credit Reporting act Convergent Account has violated my rights 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX : Account numberXXXX XXXX XXXX XXXX XXXX : Account numberXXXX 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 2021-01-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
About 6 months ago wellsfargo said I was deceased and closed my account with about $ XXXX, after having the account since XXXX. After providing them all the info to show in was infact living, they opened my account but left me with no access because if a 2factor issue and they claiming the issue needed time. After about 4 days recieved notification that all my accounts were closed and in 30 days or so i would recieve what ever funding that was mine and the rest would be returned to clients. As of yesterday i checked my accounts, and all the funds are still in my accounts and they are just holding life savings, clients and my unemployment and with out anyway to recieve them. i have been XXXX  XXXX, and at this rate ill be XXXX before the money that might save me or at least keep this going becomes available. 
make matters worse i cant open a new bank because j cant get verified anywhere.

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 2020-07-15
Company: SUNRISE CREDIT SERVICES, INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The date of collection reported on my credit is inaccurate. I spoke to XXXX XXXX XXXX on XX/XX/XXXX in reference to account # XXXX and the collection date should be reported as 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 2020-12-04
Company: ProCollect, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have wrote pro collector, & XXXX XXXX XXXX 3 times through via mail the debt collector who is allegedly stating I owe them money. I have not yet received any information where I stated and asking for contracts that included my signature stating we did business.

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 2020-07-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is a charge on my mortgage statement for {$83000.00}. This charge is identified as " deferred interest ''. I have disputed this charge, and solicited legal advice, at considerable expense, to advise me on the legitimacy of this charge for deferred interest. My lawyer informs me that he sees no basis for the charge. He has written two letters with extensive legal citations to persuade SPS Servicing that this is not a valid charge. Responses from SPS have been insufficient and pro-forma. I will attach extensive record of written communication to document this.

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 2020-07-15
Company: States Recovery Systems, 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:
On or about XXXX 2020 XXXX reported to the credit brewery or their recovery which is states recovery system that a balance of {$1300.00} was old I never opened this account this was not authorized by me or no one had authorization to sign me up for their services which I believe was some energy service or utility bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: VA
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 tried calling all 3 reporting agencies to get those inquiries removed but was unsuccessful. At one point I had almost 30 inquiries just in a months time. But I managed to get many removed. I never knew so many inquiries would damage a person 's credit so badly. This problem has drained so much energy from me, that I just can't handle by myself anymore. Thus deminishing my credit score. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I HAVE THE RIGHT OF PRIVACY.

Company response to consumer: Closed with explanation