BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-23
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
XXXX XXXX card from XX/XX/XXXX was dismissed in class action lawsuit in District Court of Maryland in XXXX. Judge XXXX in XX/XX/XXXX ordered XXXX XXXX to dismiss over 10,800 claims against debts Midland tried to collect, they had no license to collect in MD. My credit report shows new XXXX XXXX card opened in XX/XX/XXXX, closed XX/XX/XXXX. XXXX XXXX has new collection of the card they opened in XX/XX/XXXX. This XX/XX/XXXXcollection is listed as a Factoring Company. From what Ive read this is a violation of CFPB/FTC subsection 623 I believe. Im not a company therefore how can they resist this as such. Ive contacted all three credit bureaus since yesterday Im attempting to purchase my first home and these two collections are ruining my credit score. I just wanted to make the CFPB aware of the new tactics XXXX XXXX is

using and they may be in for another class action suit if its not taking off my credit report and I can not purchase a house. Thank you for your time in reading this and hopefully stopping Midland from trying to skirt the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$610.00} Balance updated XX/XX/2021 This account does not belong to 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 2018-06-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Closest option that I took to best describe my problem. The problem is Experian. Their was a 90 day fraud alert placed on my three credit bureaus in XX/XX/2018. I need to know if that has been lifted from Experian as the 90 days has been past. Every time I call them I can never get through to them. They either do not recognize my number or a never ending ads saying for example that I can win a trip to this place or that place. Things like that. I can never get through to them ask them if the alert has been lifted. It if has not could they tell me what I need to do to lift 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 2020-08-21
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: Account status incorrect

Complaint:
XXXX XXXX has reported multiple 30 day late payments to XXXX  credit bureau that are not accurate and has reported to Experian that I did a settlement not a full payoff. 
In XX/XX/XXXX I took a {$20000.00} loan out with XXXX XXXX. I've paid off the loan in XX/XX/XXXX and up to that point always made my payments on time. In XX/XX/XXXX I informed XXXX XXXX at XXXX XXXX that they have reported multiple 30 days late payments on my account to XXXX. She said that she would get these removed since I had no late payments. Within 60 days those late payments were removed. In XX/XX/XXXX I was informed by XXXX  that multiple 30 day late payments have been reported from a loan that I had with XXXX XXXX back in XXXX. I called XXXX XXXX at lending point and emailed them with documents showing the late payments on my credit report. XXXX informed me via phone she would talk to management to get them removed. I have heard nothing back from XXXX XXXX. I've left multiple messages and emailed multiple times.

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 2020-07-01
Company: The Law Offices of Gerald E Moore & Associates, PC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Law firm claims I owe a debt to an apartment complex. However, when I spoke to them they refused to provide the original creditors address and phone number to verify. They claim they do not have any information about the original creditor that I should call XXXX XXXX XXXX. They tell me to call Brett Borland Las Office. Just round and round. I believe it is fraud or a fake debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 a capital one auto finance inquiry and they deleted my actual credit card account. I reached out to both parties about the issue on XX/XX/24. I have been paying on the card and it is not reporting and has not been for three months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Mr. Cooper Group Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A mortgage company reported derogatory information to the credit reporting bureau for a mortgage that doesn't exist. It is for a house that I am unaware of ever existing. 

I don't own a house. The house I did own I sold over three years ago,  was financed by XXXX, and was paid in full at time of the sale. It was old after I remarried, about 3.5 years ago. 

This Nationstar/Mr Cooper mortgage company claims I am {$7200.00} behind, and my payments are {$2400.00} on a home mortgage that does not exist. 

According to my XXXX  report, there were payments made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We are a middle class couple, and my husband is near retirement. We haven't been making mortgage payments on anything except my husband 's house. He is the bread winner, I am stay at home due to XXXX. We don't even know where this " supposed '' house IS! 

He called ( recorded the call, which is legal in Texas ), and spoke to an XXXX XXXX, who wouldn't do anything about it without my Social Security number, which my husband refused to give him. Then Mr. XXXX transferred the call to his " esculation department '' who never answered the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2018 Your company Experian received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX  XXXX XXXX, 4. XXXX XXXX XXXX # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX XXXX # XXXX, 8.XXXX XXXX # XXXX, 9. XXXX XXXX # XXXX Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.

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 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am extremely concerned due to the fact that my credit report has been compromised and I have disputed these items with the Bureaus and they refuse to remove the information. I recently got engaged and weeks later I was diagnosed with XXXX. I not only disputed these charges but I also sent proper verification as I had access to it at the time. This has been a nightmare for my family and I. Please help me get these erroneous accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: EQUIFAX, INC.
State: NY
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 the month XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed a couple complaints that the loan company is reporting interest and increasing my balance owed in a simple interest loan showing my balanced owed is higher that the actual balance. This loan is not a compounded interest loan although it is being reported as such and is causing my score to drop. I usually pay my loan early and make 2 payments every month. I pay the amount due to the principal amount and pay extra for the interest on the loan. If I make a payment 10 days after the last payment made i then calculate the daily interest and add that to the payment amount. This company will report my payment then usually a few days later with report a new balance including the interest that would be owed using the date of last payment received to the date the send in the information this then will show an increase in my principal balance causing my credit score to drop. Instead of only reporting the principal balance the add the simple interest to it then report it as if it was a compounded interest loan. I have notified the company and the rep. Did not want to fix anything instead they started reporting more often to the credit report agency showing my balance as increasing making my debt to income ratio in the negative. I have explained this and still have not received any positive outcome instead it's more negative than before. I have a credit card with compounded interest and they report the balance owed not the balance and the interest even though they could. This is the only loan that does this to my credit report and I have bought several cars in the past and never ever uncountered this problem nor have I been retaliated against like this for filling a complaint.

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 2018-08-07
Company: Bread Financial Holdings, Inc.
State: MT
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 XX/XX/2017 I received a statement saying that I owed over {$1800.00} and new that I didn't have anything charged on the account so I contacted XXXX XXXX. They said that they could tell it wasn't mine and that someone got my account number. They had me send in a statement of fraud. All was settled and nothing more came of it. They closed the account and asked if I wanted a new account and I said no.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
As ofXX/XX/XXXX, an agreement was reached with the CRAs to remove any tax liens or civil judgements that did not include a Name, Date of Birth, Full Social Security Number or Date of Birth. All three of my State of Georgia tax executions have been paid, satisfied and cancelled from record. However, the liens are still showing on my credit reports and do not meet the new reporting standards. My Date of Birth nor my full SSN are listed on any of the executions. I have disputed this information listed under the Public Records section with XXXX, XXXX  and Transunion. XXXX did remove the liens from my credit file. However, XXXX and XXXX only verified the records. I've contacted XXXX customer service and was told that they use a third party to obtain and verify public records. I was advised to contact XXXX to dispute this information. I contacted XXXX and initiated a dispute of my Public Record information listed on my XXXX   report. I received a letter datedXX/XX/XXXX stating the that information was deleted from my record. However, XXXX never updated there system and is still reporting this information as of XX/XX/XXXX.I also contacted Transunion customer service and was told the information is correct and that I would have to wait 10 years from date of filing for the records to be removed.   I have attached copies of all three tax executions and the letter from XXXX for your review.

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 2018-08-07
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: Old information reappears or never goes away

Complaint:
XXXX agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XX/XX/XXXX and that would have had us with a four year clean mortgage payment history.

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 2018-08-07
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: Old information reappears or never goes away

Complaint:
XXXX agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XX/XX/XXXX and that would have had us with a four year clean mortgage payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Capital One Quicksilver XXXX  card on XX/XX/2021. The promotional offer said I would receive {$200.00} cash back if I spend {$500.00} within the first three months. Once I activated the card and spent {$500.00} by XX/XX/2021 ( within the 3 months ), Capital One only gave {$150.00} cash back. I called to ask about it on XXXX XXXX, XXXX, around XXXX. The first person I spoke to at Capital One looked online, saw the {$200.00} promotion and transferred me because she could not answer my question. After being transferred I spoke XXXX from Arizona with Capital One. She was disinterested in helping me. She told me You cant believe everything online I told her that I had seen the promotion on Capital Ones website proper. She said she couldnt help. I asked her so I received misinformation from your own website to which she replied I guess. I followed up with So I just want to confirm that what I found on your website was misleading and misinformation. Her response was yea The promotional offer of {$200.00} when you spend {$500.00} is still active and can be found on Capital Ones website as of XXXX XX/XX/2021 : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
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: Personal information incorrect

Complaint:
I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
My current address is XXXX XXXX XXXX, XXXX, IL XXXX pleased delete the following address they are not mine : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX my current and ONLY NUMBER IS ( XXXX ) XXXX I have never even had the following phone numbers please delete remove : ( 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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have been disputing XXXX XXXX with XXXX, Transunion, and XXXX  since XX/XX/2021. XXXX is paid off, but these three credit bureaus have the wrong information reporting with a violations against my FCRA rights. Incorrect balance, balance is paid off but its reporting derogatory account. It also reporting the wrong XXXX. 


I spoke with a representative at XXXX XXXX and they advise me that they sent everything to the credit bureaus for them to update. 

I will attach the documents from XXXX and my 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 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/2018 Your Transunion received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX # XXXX, 4. XXXX XXXX XXXX  # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX XXXX # XXXX, 8.XXXX XXXX # XXXX, 9. XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, 11.XXXX XXXX XXXX  # XXXX . Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.

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 2018-06-23
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to XXXX  after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity. I have filed affidavits and done all the proper steps under federal law for BBVA to handle this accordingly but has failed to do so, my attorney has filed a complaint with the Attorney Generals office of California - XXXX XXXX against BBVA Compass Bank for Banking negligence resulting in the loss of funds of claimant - XXXX XXXX. In the last CFPB response from BBVA Compass Bank all that was stated after a TWO WEEK investigation was dispute it ... I am asking BBVA once more to investigate and return my funds that are due to me under federal law. 


I contacted their dispute department at the number they provided me XXXX, I got someone who knew absolutely NOTHING. He said they arent able to dispute it and that they dont have to abide by Federal Trade Commission rules / laws and same for the CFPB, it was oblivious the man did not care about my situation and simply said oh its late so you know ... after ONE HOUR on the phone. 


I am asking BBVA FOR THE LAST TIME to return my funds that are FDIC FEDERALLY insured against fraud. This is not my issue, and will seek to obtain my rightful money.

Company response to consumer: Closed with explanation