BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for a Personal Loan with the XXXX XXXX XXXX " Citizens One Loan XXXX '', back in XX/XX/XXXX. I was approved for the loan. I paid off the loan XX/XX/XXXX. Originally I was told that I would be billed through the XXXX XXXX XXXX XXXX, and every payment would be reported to the credit bureaus. Now that I have paid off my Personal Loan in advance, Citizens One ( Citizens Bank ) is refusing to notify the credit bureaus that the loan was satisfied in good faith. And they make it very hard for you to pay them. The payment options are unjust and should expand. The financing company refuse to be linked to other banking institutions, refuse to give the customers their payment address and contact information in order to pay through the customer 's banking institution. ( Unable to make payments through the customers BILL Pay Option ). They lack transparency. Now Citizens One aka Citizens Bank informed me that they only report late payments to the credit bureaus and they are no longer reporting when a Loan is paid in full! This is unfair and unethical. My timely payments should reflect on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2023-08-13
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: Personal information incorrect

Complaint:
I recently saw inaccurate information on my consumer file and I will need it deleted immediately. 
See attachment.

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 2022-10-18
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

XXXX OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back In XXXX I had a XXXX  XXXX  financed through third party Monterey Financial. The amount was around {$3000.00} and I had my {$1000.00} down rolled into the payment. I had lost my job and couldn't pay and the account was supposedly charged off in XXXX. I had not really checked my credit till this year and the balance has got up to {$13000.00}!! I also noticed the put the account from charge off to collection and the account was placed twice on each one of my three credit bureaus. It was listed as collection under Monterey Financial Services then another collection was placed for the same amount but {$1.00} more than the balance under Monterey Collection Services. I have tried to dispute this amount because there is no way I would owe that and the account was charged off and placed twice to damage my credit. Seemed very vindictive. I have wrote to Monterey and have never received any correspondence back! You cant try to collect on the same debit twice and the balance is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Spring Oaks Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had opened a card with XXXX a while back ( through XXXX XXXX XXXX  ) shortly after opening the card I lost my job and was unable to pay the debt of {$250.00} ( the limit was only {$300.00} ). I thought they had closed out the credit card since it was over my limit due to interest owed and I was not able to pay the minimum balance due since then. I did not receive any interim bills until I received a notice almost a year later that I owed {$900.00} and the card was closed and sent to collections. ( Which I thought had already been done a while ago ) It was my understanding that if the card was delinquent more than a certain number of months Usually around 3 to 6 months that they would close the card. When a card is closed the account is usually closed along with it in essence ending the relationship. when the relationship was discontinued the charges for the card should have been discontinued with it. I recently attempted to settle the debt with the company, Spring Oaks Capital, who acquired the debt from XXXX XXXX XXXX. The representative with whom I spoke would not reduce the amount owed to less than {$630.00} ( 6 payments of {$100.00} ). When I told the representative I could not afford that as it has been hard to get a job during the pandemic and have other debt that has accumulated, which I am currently attempting to settle, She offered me a settlement of 12 payments of {$70.00} which is the full amount of almost {$900.00}. When I told her that would not do as well she came back to me and told me if I paid the full amount on that date she could reduce it to {$640.00} ( which is more than her initial offer ). I feel that they are attempting to take advantage of the situation and fleece me for more money than I should be paying. Since I was unaware that the account was still open, and should not have been I was taken advantage of and the company is trying to collect about {$650.00} more than what I had initially owed to the company. this is unfair loan practices that is taking advantage of a consumers lack of knowledge of a situation. I am willing to pay what was owed and nothing more, however the representative was very uncooperative. I feel that the company was deceitful in allowing a delinquent account to rack up that much in fees before closing the card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Franklin Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Franklin collection sent me a settlement offer. I asked them to validate the debt. They did not. I then asked them about a settlement amount and they said XXXX, and I could pay it in 2 payments. I am in the process of buying a home and figured i should jus pay to have this collection deleted asap, because it was stoping me from closing, I let franklin know that and that was a huge mistake. After I made the first payment they reported me to the credit bureau as a collection not paid, after we both agreed on the XXXX. On XX/XX/18 i called them to payboff settlement and was threatened by 2 workers over the phone. And was call a XXXX XXXX XXXX XXXX.They also said they would no longer do a pay to delete for me, and that my settlement offer was no longer valid, because i didnt make the 2nd payment 2 weeks from the first payment. They never told me it had to be 2 weeks later, i was told in order for them to not put it on my credit report i had to make the first payment 2 weeks after the first payment they it in to the CB as a collection item. I have made several attempts to talk to a supervisor. Franklin collection service inc is not even authorized to Collect debt in Wisconsin where I live. This same account has been reported to my credit report 2 times and has been previously removed by othercollectionagency 's once they verified that this is not owed by me I spoke to a supervisor and he was not helpful when i told them to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am having a problem with a credit reporting service known as XXXX XXXX. It seems they are showing inaccurate information. Upon viewing my Transunion report on XXXX XXXX, it shows that I have a missed payment. While your payment history starts at 100 % to represent you are in otherwise good standing, it has dropped to 85 % in just a matter of a couple of months. I have checked with my credit card companies to properly ensure that I have no missed payments and in fact my credit cards ( which there are only two currently ), are still fairly new. I am not sure if this a Transunion problem, or a XXXX XXXX problem being as that XXXX XXXX is supposed to receive its information directly from the credit bureaus otherwise known as Transunion. I have filed a direct dispute with XXXX XXXX and tried contacting Transunion about this problem, however Transunion can not tell me exactly what the issue seems to be. Currently I do not have any missed payments anywhere, however XXXX XXXX says I do which I feel is incorrect. It has also brought my score down significantly.

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 2021-12-13
Company: REGIONS FINANCIAL CORPORATION
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:
Regions Bank has a duplicate account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however not only is it a duplicate account one has 3 late payments on a secured credit card and one has 4 late payments on another. Now according to 1666b. 
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX XXXX, 123 Stat. 2998. )

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 2023-08-13
Company: Experian Information Solutions Inc.
State: VA
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:
Duplicate reporting on all 3 credit bureau credit report. Since XX/XX/XXXX amt {$970.00} the original creditor charge off and sold the debt to a collection agency on XX/XX/XXXX. XXXX, Experian, XXXX are reporting the same amount of {$970.00} twice on my credit reports. This is a major issue for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Information belongs to someone else

Complaint:
I was recently reviewing my credit report and noticed multiple fraudulent accounts inquiries and inaccuracies. these are the inquires below XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Below are fraudulent collection and charge off accounts XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to report a serious matter of identity theft and potential fraud involving an unauthorized inquiry on my credit report. After thorough investigation and communication with my bank, it has been confirmed that no such inquiry was initiated or authorized by me. 

Upon discovering this discrepancy, I promptly contacted my bank to verify the details of the inquiry. However, they informed me that they have no record of any such inquiry and that it was not initiated by their institution. I have also attempted to communicate with TransUnion through written correspondence, but I have encountered difficulties as the inquiry potentially has been made over a year and can not be removed without a report/written communication. 

Following a discussion with TransUnion representatives, I was advised to file a fraud report with your agency. I understand that this report will serve as authorization for TransUnion to take the necessary steps to remove the unauthorized inquiry from my credit report. 

In light of the potential risk to my financial security and the importance of maintaining the accuracy of credit reports, I kindly request your immediate assistance in addressing this matter.

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 2022-10-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Debt for XXXX XXXX  XXXX XXXX Credit Card was debt ordered and decreed to ex-husband in divorce decree dated XXXX XXXX in XXXX County, Texas Filed on XX/XX/2016 with XXXX County Clerk XXXX XXXX XXXX at XXXX Cause No. XXXX XXXX XXXX Also stated is a XXXX Credit Card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Westlake Services, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was paying my payments for the car at first for the first four months until I was fired from my job due to me being in the wrong place at the wrong time. I struggled all year to find a job while XXXX my grandmother due to XXXX XXXX, and I tried to reach out to Westlake Financial for some sort of help on lighting my monthly payments. I did not get in contact with Westlake and nor did they seem like they would be interest in helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX FIN 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 2017-07-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I wrote to XXXX and Equifax to get a Federal Tax Lien dating back to 2010 removed. The allowable reporting period of 7 years has been exceeded. Neither credit bureau responded or made a  change to my credit report.

Company response to consumer: Closed with explanation