BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  has not updated my credit score in 5 months it still shows the same score as the last time I complained. I have paid on Time. There is civil/ constitutional rights violations going on at the government level. My score needs to be properly updated or I need civil action taken against all three credit bureaus and the government entity and its employees who are committing this crime to be prosecuted! I have the right to access my correct credit score and have the right to seek credit without being turned away due to malicious credit reporting. Im past fed up.

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 2017-09-18
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an XXXX year old XXXX, applied for HARP, was told a new3 mortgage was better, refinanced in order to lower my mortgage payments. My mortgage was sold immediately and handed over to something called SLS. SLS now advises I owe an additional {$710.00} for escrow shortage and is increasing my payments to within {$100.00} of my old mortgage. At the time of refinancing I was told I would be saved {$300.00} a month. Today I received a notice from XXXX XXXX that SLS has not paid the insurance payment. I made a terrible mistake, allowing the person I dealt with to talk me into this mortgage and am overwhelmed with it. If you are able to help me with this, it will be an immeasurable kindness. Thank you for your time and attention.

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 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Kohl's/Cap One of a fraudulent account established with her information without her consent. An official dispute of this account was mailed to Kohl 's XX/XX/2018 ; as of this date Kohls has failed to reply to the status of this dispute which they are obligated under federal law to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: ACIMA CREDIT, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2018, I went to XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. I was told by XXXX, the lady at the desk that it would be easy to finance the purchase through acima financing, that way I could pay off the tire in three to four months and my payments would be around {$41.00} dollars each payment. Little did I know that I was signing up for Leasing those four tires. XXXX   did not disclose at any time that the tires were for a Lease/Rental. XXXX told me that acima would be sending a email for me to sign. Little did I know that it was Rental/Lease Agreement. Of course it's on my phone which is smaller. Personally, I have always thought, who would be XXXX  enough to Rent tires. Evidently, I did and did not know until the payments of {$41.00} seem to extend beyond the three to four months which XXXX had explain to me. I thought to myself, those tires should be paid off by now. I called acima in early XX/XX/XXXX, who informed me that I had signed a lease with a 90 days option plan to purchase the tire and that the sales person should have disclosed that this transaction was a Lease/Rental and that she would get the acima to call and let them know. I think this has been done before to other may not have understood what they signed. I can't believe I had gotten taken. I  work at a bank in the loan department and should have esign the paperwork. By this time the tire were already on my car because the email arrived much later in the evening after the work was completed. At the time there was not any signage inside or outside the store that that specifically states you can Lease or Rent tires. XXXX, made the sale, but failed to disclose that my transaction was a Lease Rental of tire. acima informed me that unfortunately I should have paid the tire off withing the first three to four months and that I still owned over {$620.00}. The Lease/Rental of the tires will cost me over {$1000.00}. There is a small brochure which states " No Credit Needed '' 90-day Payment Option with an Easy Payment Guide which tells how much your payments will be. This Brochure regarding payment terms is inadequate. Whoever sales you the merchandise, should be required to state that the transaction is a LEASE/RENTAL OF MERCHANDISE. In no way was these word ever use. This is clearly a deceptive practice among retailers such as this as there were many compliant on acima once I google it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX, a 30days past due was reported on my credit report via XXXX credit card. 
During this time i had contacted XXXX and tried to fix the problem with them. I tried to explain that my XXXX card had not been active for a few years and i simply forgot that i had used it for a purchase. I asked to make the payment in full and for it to be forgiven from my credit report. 
I have had this card since XX/XX/XXXX and my payments are always on time except for this one incident. 
My past due was still reported ...

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 2020-05-29
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX  {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Riverwalk Financial Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection account showed up on my XXXX and XXXX credit reports from XXXX XXXX XXXX in the amount of {$1600.00} dated XX/XX/2017. I have no knowledge of this account and received NO communication, letters, or correspondence from XXXX about resolving this account. The phone numbers listed for XXXX either send me in a hold loop or no one ever answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXXXXXX bank I do not have a contract with portfolio recovery associates, they did not provide me with an original contract that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX XXXX on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Experian credit file without my authorization, I did n't get a response nor did they help 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Privacy and confidentiality under 15USC 1681. 

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, 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 makes 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 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 2022-02-27
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:
On XX/XX/XXXX, XXXX XX/XX/2022, I've sent in a dispute for the following companies through certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Due to the 15 U.S. Code 1681g - Disclosures to consumers, they did not provide an updated credit report nor respond within 30 days.

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 2021-03-28
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Focus Holding Company
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have a negative debt on one of my credit reports that is not mine. Was never told about it. Never received any mail or phone call. No knowledge of this at all until it appeared on my credit report. One credit agency deleted it. The other one I  have disputed it with them twice and they wont correct it its not my debt and I want it fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
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:
I am submitting this complaint as the 3 major credit reporting agencies have not returned an acceptable response to my identity theft report disputing items that have been fraudulently reported to my personal credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Penn Credit Corporation
State: FL
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:
Recently received a COLLECTION notice from this company, using a intimidation by placing a negative remark on my credit reports to force me to pay a debt that I never signed for, with their company OR their client. I have already made a complaint to the Pennsylvania Attorney General and contacted my attorney under the Fair Debt Collections Practices Act And The Fair Credit Reporting Act!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: OK
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: Was not notified of investigation status or results

Complaint:
I rally need some help here I feel like these credit reporting companies are ignoring me. I've called numerous times i've disputed incorrect information i saw on my account since XXXX and I haven't heard a single verification, response or anything. These companies are in violation of 15 united states code 1681 ( i ) it has been almost 70 days and they are really causing me stress since these inaccurate items are hurting my credit report. I asked them for simple proof as to who the debts belonged to and they haven't even been able to provide me that. The debts are not mine. I reached out to the debt collecting companies too but still no luck. I have no idea what else to do because i don't want to go to litigation with these companies but i really have no other choice. I know you are here to protect us so please help me. My information also may have been compromised in the Equifax and XXXX data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We sent a check for a monthly payment of {$100.00}. Wells Fargo drew {$1100.00} out of our account. We are getting lies and run arounds instead of returning our {$1000.00}. after contacting them 5 times we are no closer to getting reimbursed.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score decreased 14 points for no apparent reason. There has been no missed payments and credit cards were paid off last months, so there sound be an increase, not a substantial decrease.

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 2020-05-29
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: Was not notified of investigation status or results

Complaint:
After reviewing my most recent credit report. I've notice that XXXX, XXXX, & Experian. All three major credit reporting agencies continuously report multiple inaccuracies and violations under fcra rules section 1681. 

Account under name # XXXX XXXX XXXX XXXX 

Notice two accounts 1 ) XXXX XXXX XXXX XXXXXXXX original creditor ; XXXX balance {$3500.00} 2 ) XXXX XXXX XXXX   XXXX original creditor ; XXXX XXXX XXXX XXXX  balance {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with old balance of XXXX and last balance ending with XXXX dollars with a date of XX/XX/2006 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX with old balance of XXXX and last balance ending with XXXX dollars with a date of XX/XX/2006 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

XXXX. XXXX XXXX / ACCT # XXXX, has violated my rights. 

XXXX. XXXXXXXX XXXX  / ACCT # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX / ACCT # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX / ACCT # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX / ACCT # 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 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 2018-05-02
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$98.00} and {$1200.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation