BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reported this issue to XXXX several times over two years. Provide all documents necessary to remove this charge. The account showed closed in XXXX, but in XXXX XXXX XXXX account reflects open until today. I have contacted XXXX XXXX multiple times, XXXX has provided documentation of a " XXXX '' balance, and those documents were submitted to XXXX. However, they have not removed the charge from the account. Also, The amount is still increasing and hurting my credit score ; I need this to be removed and resolved promptly. The amount in dispute is $ XXXXdocuments attached from XXXX XXXX XXXX financial Page. They also showed the account in collection, removed it, and reopened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 2023-06-09
Company: Americas Car-Mart, Inc.
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: Investigation took more than 30 days

Complaint:
I writing to dispute the following inquiries and asking for their removal from my credit report. XXXX and XXXX are showing different XXXX XXXX said my payments XXXX a month and the account is charge off and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2020 I, XXXX XXXX, sent a letter regarding inaccurate and unknown things on my credit report. I have also attempted on several occasions to make complaints with CFPB and they have knowingly closed the complaints without completing an investigation. Until this day, it has been WELL OVER 45 days with no response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items with 30 days, gives a reason to immediately remove these items. On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law to provide relief to consumers and businesses struggling during the COVID-19 emergency. Among other things, the CARES Act amended the FCRA to address furnishers responsibilities Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ). Generally, the amendment requires furnishers who provide a credit accommodation to a consumer affected by the COVID-19 pandemic to continue to report the consumers account or credit obligation as current. This provision ensures that consumers affected by the pandemic can obtain essential relief without jeopardizing their credit scores and their future ability to rent or buy a home, purchase a car, obtain a credit card or student loan, obtain affordable insurance, or secure employment. The reporting has to be up to date! No late payments are to be reported. It is rectroactive to XX/XX/2020. I demand that the late payments be removed from XXXX XXXX ACCT # XXXX and XXXX XXXX XXXX XXXX- ACCT # 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 2019-08-20
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Conn 's and was redirected to the third party agency that my account had been transferred to. The third party told me that Conn 's had agreed to settle my account and the account would reflect paid as agreed. The third party also told me that the account balance would reflect XXXX. Conn 's is still reporting that I owe XXXX to all 3 credit bureaus. I tried to dispute the amount owed and Conn 's "  verified '' that I owed them money. I contacted Conn 's and sent them the settlement agreement showing that Conn 's agreed to settling the account and after I paid the settlement that account balance would be XXXX. Conn 's ignored the letter that I emailed them back in XXXX. I called and spoke with a representative and and supervisor and they both said that I owe the amount that is due. I told them that I will be submitting a complain because they have blatantly ignored the email that I have sent them and have refused to reduce the balance to XXXX as agreed per the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On William D Loan forgiveness. Interest is reported as balance increase butchering my score EVERY month! Ive called every year and told it would be resolved and it hasnt.

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 2019-08-20
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: Information belongs to someone else

Complaint:
I sent EXPERIAN LETTERS ON:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXasking to verify this information that shows on my credit reportAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.as well as unknown inquiresnot once have they verified anything even XXXX XXXX SENT ME A LETTER STATING THEY WILL DELETE THE ACCOUNT BECAUSE IT DOES NOT BELONG TO ME, YET EXPERIAN STILL REPORTS AS WELL AS OTHER ACCOUNTS THAT WERE NEVER VERIFIED

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 2020-10-28
Company: Bepensa Capital, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a loan with AFS Acceptance in XXXX. I was paying perfectly never a late payment until my mother went into the hospital in XXXX. The loan was charged off in XXXX with me owing just over {$5000.00}. I disputed some incorrect information they were reporting and in spite they changed the amount that I owed. Every month they report this charged off account as a late payment and they continue to they charging interest on a charged off account. This was NEVER in the agreement that I signed saying I will pay interest on a charged off account. They amount owed is well over {$10000.00} now. That's double the amount that I owe. Since this account was charged off at just over XXXX at which point the account by law is closed to future charges. Per your agency 's guidance a debt collector may not collect any interest or fee not authorized by the agreement or by law. This company is obligated by the Truth in Lending Act to send monthly statements which I have not received. Under the code of the District of Columbia XXXX  the collection of or the attempt to collect any interest or other charge, fee, or expense incidental to the principal obligation unless such interest or incidental fee, charge, or expense is expressly authorized by the agreement creating the obligation and legally chargeable to the consumer or unless such interest or incidental fee, charge, or expense is expressly authorized by law ; Again I didn't signed anything stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Went into forbearance for the past two months And also made a payment. Navient then posted me 90 days past due on my credit report after telling me that my account was current and they couldnt do anything to fix the ninety days past due which I had in deferment! The rep I talked to was not truthful and that Navient could do nothing about the situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Dear EXPERIAN : I XXXX XXXX XXXX, a women, respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the following item ( s ) is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete all disputed item ( s ) listed below. 

ADDRESSES : ( 1. ) XXXX XXXX XXXX XXXX XXXX, AR XXXX : I DO NOT LIVE THERE ( 2. ) XXXX XXXX XXXX XXXX, AR XXXX : : I DO NOT LIVE THERE The following item ( s ) is inaccurate and negatively effecting my credit. Please reinvestigate and delete ALL item ( s ). I respectfully request that you provide me with proof of the disputed item ( s ), specifically any contract, applications, note, court documents or any instrument ( s ), bearing my wet ink signature. Failing that, you must delete ALL item ( s ). 

NON ACCOUNT INQUIRIES LESS THEN 30 DAYS OLD : ( 1. ) XXXX XXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX XXXX   Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX ( 2. ) XXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - XXXX XXXX XXXX XXXX Address - XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXXXXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) XXXX XXXX XXXX Date Filed - XX/XX/XXXXType - All Banks - non specific Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX ( XXXX. ) XXXX XXXX I Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX Date Filed - XX/XX/XXXX Type - XX/XX/XXXX Company Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to validate these item ( s ). It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item ( s ) from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item ( s ) has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

XXXX XXXX XXXX XXXX XXXX AR, XXXX Sincerely,

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 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I am writing today due to my enormous frustration with capital one. I feel like I am starting to exhaust every avenue available to me. 

Im writing because I noticed that my most recent credit report contains late payments reporting ( 60 days late in XXXX and XX/XX/XXXX ) for my Capital One Auto Finance account number. These late payments occurred as I traded my XXXX XXXX XXXX ( financed through capital one ) for a XXXX XXXX XXXX. My XXXX was in the hands of my local XXXX dealership in XX/XX/XXXX. I have also sent a letter from the financial manager from the dealership to capital one, explaining that they were responsible for paying the full amount upon trade in XX/XX/XXXX. I have been a member of Capital One since XXXX and have had an exceptional payment history since. I have never occurred a late payment with Capital One and will continue to do so. 

Id have an excellent repayment record if it wasnt for the late payments placed on my credit report by capital one in XXXX and XX/XX/XXXX. I make my finances a priority and have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then, Ive had a spotless record of on-time payments. I have reached out to capital one, attempting to dispute these late payments but every time I call, I am constantly being forwarded to a new representative on the phone who just tell me to learn from my mistake and deal with it. I am a XXXX  working on the frontlines and I have never been treated so poorly from a company that I had nothing but respect for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I as a consumer have the right to privacy and Capital One has violated my right to privacy by furnishing private credit information under my name without my written consent or without authorization by a competent court having jurisdiction. Capital One was sent my proof of identity, identity theft report, and identification and a statement of what the law requires. They are required to black and delete these accounts within four business days of receiving my notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
a debit card account was opened in my name under chase bank. 
I have contacted them i will be filling a police report as instructed by them on my behalf and provide chase bank with the information with the packet they are mailing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Court Case XXXX Last Date to file Lawsuit-XXXX. 



We are going to file a lawsuit in the next 24 hours at United States District Court XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXX, XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed. 


Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}. 


Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries. 



Thank you, ACE CASH EXPRESS. 

Which is bogus I never borrowed any money. With my credit no one will give me a loan. And theyre saying I owe them XXXX crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts listed. I have submitted my correct address with a utility bill and I can assure that I am not a credit repair company nor am I a mortgage company. Please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Owed : {$10000.00}

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 2020-07-24
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent information disputing validity of debt to XXXX, XXXX and XXXX. All debts still remain on my credit report. It has been well over 30 days, and company has not responded to my communication requesting validity per my rights under the fair debt collection practices act. With this violation being apparent, Finance Systems of Toledo needs to remove this debt from all three of my reports with all three of the credit reporting agencies, and cease contact with me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 2023-05-02
Company: Security Credit Services, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe that the information related to this account is inaccurate and I am requesting an investigation pursuant to FCRA sections 607, 611, and 616. I request that you provide sufficient documentation to verify the accuracy of this account, including a copy of the original contract with my signature, billing statements, or other documentation. Pursuant to FCRA section 611 ( a ) ( 1 ) ( A ), I also request that you forward a copy of the dispute and supporting documents to the credit reporting agency that is reporting this account.

Company response to consumer: Closed with explanation