BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I turned in a leased vehicle in XX/XX/XXXX. All payments made on time and nothing was owed. I was given a new lease ( XXXX XXXX XXXX XXXX that was financed through the same leasing company ( XXXX XXXX and was always in good standing and again, never late. The credit bureaus keep reporting that i was late with a payment in XX/XX/XXXX on the XXXX XXXX. This is not possible because the lease was turned in in good standing in XX/XX/XXXX and never late. XXXX sent me a letter reflecting XXXX  balance and sent the same info that I was never reported late on this account. Please help fix this problem because my scores were over 700 until this! The bureaus keep putting me late on this old XXXX account, XXXX XXXX on a XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
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: Public record information inaccurate

Complaint:
Contacted TransUnion disputes dept today XX/XX/2019. I asked if my dispute sent via mail was received and I was told yes. It was received on XX/XX/2019. I asked if Cfbp complaint that I filed had been received-got ignored. The rep. stated dispute would be completed the second or so week in XX/XX/2019. The rep. stated 30 days is their normal time frame. I told the rep. no!! The first & second dispute took 30 days each. I stated they had 15 days according to fcra rule 611, 613, 605, & 617 to complete dispute. I indicated that information in my dispute Letter. I also made known to the rep. that TransUnion has blocked / removed allowing me access to view, check status, or start new dispute online. Then the rep. hung up the phone

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 2021-02-10
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My name is XXXX XXXX. My wife and I keep getting calls from Toll Free Call XXXX XXXX. When I call this number I get an entity which identifies itself as ED Financial Services. When I ask why they have been calling twice a day for at least three years, they mention a student loan. They ask if I am XXXX XXXX. This I admit, adding that I have no outstanding student loans. They then ask for me to verify my date of birth. This I refuse. Similarly I refuse to give the last four digits of my social security number. This is standard practice which we advised consumers to follow when I worked for the XXXX XXXX XXXX XXXX XXXX. When I asked, today, for any detail about the loan they asked about, they refused any and all information unless I gave them personal information. I explained that 'XXXX XXXX XXXX is a common name, and I was under no legal obligation to provide them with personal information. The ED Financial representative I spoke to indicated that she would give me no information about the loan I supposedly owed without my revealing personal information. I advised her to take me to court should they feel I owed them money and I would be happy to explain the situation to a judge. XXXX, from Ed Financial Services, suggested that the phone calls would continue until I gave her the personal information outlined above. I told XXXX XXXX that I would not give her personal information and I would contact the CFPB. Can you help me with this matter? I consider ED Financial Services ' methods abusive. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CURO Intermediate Holdings
State: TX
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not sure what this account is or what its in reference to but I have never done buisness with your company. I had my name changed in 2014 also, somehow youre associated with my divorced name which is odd to me because I havent used it since 2014 by law. Please contact me at your earliest convenience. I have court documents per request Contact me at your earliest convenience XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, 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:
I reviewed my credit report. I have an auto loan reporting from XXXX a loan I never opened nor applied for. The applicant apparently lives at an address I also have never lived at. I sent this information to all the credit reporting agencies that are reporting this incorrect information so as to have it removed. I also notified the lender in question that the loan being reported on my credit report is not mine as I have never applied for a loan with XXXX nor purchased a vehicle from the dealer of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I advised XXXX XXXX XXXX that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. One of the items is for {$58.00}! When calling the company today they advised they will not remove the debt and I need to pay it or charges will be filed against me. I want all 3 items removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
We were never late on our Auto Loan with XXXX XXXX. We paid our loan in full in XX/XX/XXXX. XXXX had not updated our reporting since XX/XX/XXXX. In XX/XX/XXXX, I disputed tje balance through Transunion. XXXX updated our account to reflect our last payment was in XXXX and the account is now closed, however they failed to report our XXXX and XXXX payments, and are now reporting a 30 day delinquency. This has negatively impacted our credit score.

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 2017-12-07
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:
I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. XXXX, Experian, and XXXX have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : Experian : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX/XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). XXXX : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). XXXX : XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX/XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity fraud.

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 2018-03-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX as my only address but they refuse to remove multiple addresses located all over XXXX XXXX, XXXX  as well as an old XXXX XXXX in XXXX  XXXX., I have requested numerous times to remove XXXX XXXX XXXX  who is on bkXXXX discharged as of XX/XX/XXXX but they keep popping up on my credit report even as of this date XX/XX/XXXX; not only XXXX XXXX XXXX  but also XXXX who is on bkXXXX, XXXX XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX  who been paid XX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XXXX,. XXXX XXXX XXXX absolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX XXXX. I would like my bankruptcy case # XXXX  filed XX/XX/XXXX dischargedXX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX, XXXX. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian continues to report erroneous information on my credit report and will not allow my dispute to be processed. XXXX has removed these accounts as they were deemed fraudulent. Experian has violated the FCRA by continuing to have this information on my report remain. The following accounts are not mine and no proof has been provided to show they are my accounts : XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-09-03
Company: Velocity Portfolio Group
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 was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.

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 2021-09-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Citizens Bank, on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Citizens Bank, violated federal law. see 15 USC 1681b A2. I did not give Citizens Bank, Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
According to American Express, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully changed the mailing address on my American Express account ending in XXXX on 5 different occasions since XX/XX/2020. These address changes were executed without my authorization and outside of my knowledge. Account statement including sensitive information about my identity and financial account were sent to an address starting with XXXX XXXX XXXX ( the rest of the address was redacted ) on 5 occasions during the past 90 days causing me harm and costing me countless hours of work trying to remedy the issue with both XXXX and American Express to no avail. The unauthorized address changes keep happening. For the record, XXXX is a debt collection company, however, my American Express account is current and not in arrears so the the reason why XXXX has access to my account is unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Square Inc
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 SQUARE CARD debited my account for {$200.00} to pay a vendor XXXX XXXX. The vendor was ALREADY PAID BY ME from a different account, a different bank. 

This vendor wrote the Square Card dispute team several times to CANCEL her dispute to let them know that she had been paid by me directly. 
They wrote her back & refused to communicate with her! 
The vendor & I BOTH wrote them and sent them receipts to show that I paid the {$200.00} directly to the vendor. They STILL REFUSED TO LISTEN & have STILL DEBITED MY ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
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 complaint is in regard to the frivolous response last presented by XXXX XXXX XXXX ( SPS ) on Complaint # XXXX. 

SPS in their response failed to mentioned that on XX/XX/XXXX on a conference call with XXXX officer XXXX XXXX. SPS admitted that the account in question was First delinquent on XX/XX/XXXX. The fact that I filed bankruptcy in XX/XX/XXXX can not have any impact on the original delinquency date of XX/XX/XXXX. Therefore this XXXX  credit repoing practices by SPS PROLONGED the automatic removal date of this derogatory account which should have occurred on XX/XX/XXXX. Because of SPS credit reporting practices my credit was damaged for almost an additional year since they refused in multiple occasions to remove this account from CRAs. Additionally, XXXX XXXX XXXX Bankruptcy Case is not longer active and SPS was granted a lift of stay in XXXX so they could continue with the forclusure Case. In spite of the granting of lift of stay, SPS never continued with the foreclosure case.

I dont know from where SPS can changed the original delinquency date when a debtor files Bankruptcy, that is ilegal and in violation of the 15 USC section 605 ( 4 )  This account was removed from XXXX CRA on XX/XX/XXXX because it was overly reported by almost a year. Not because XXXX XXXX  XXXX Bankruptcy Case still active. 

I am bringing this information to CFPB so they can further investigate SPS credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.

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 2021-09-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony closed my XXXX XXXX XXXX credit card in XXXX of last year and I have regularly made my payments, they are still reporting the activity on the card as if it was open. I had a promotional plan honestly I forgot about but they had lowered the amount available on the card enough so that when the promotional plan expired it showed a XXXX available on the account they then reported this to the credit bureau and my credit score was lowered 13 points because of 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 explanation