BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: ERC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I checked my credit scores, as I usually do on XXXX XXXX. On my XXXX  score, it showed a decrease of 35 points. The Enhanced Recovery Company, formally XXXX XXXX XXXX, says I owe them {$1100.00}. I have never in my life, had any connection with them. The comments stated on my report states that the account was opened XX/XX/2020. I'm requesting that this error be taken off of my credit report as I have had no affiliation with this company as an entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX & XXXX Account 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

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 2021-01-27
Company: LoanCare, LLC
State: DC
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 paid off a home equity credit line when I sold the property. Loancare received payment in full on XX/XX/2020. Since that time and after four ( 4 ) dispute attempts through XXXX as well as a number of email and phone communications with Loancare directly, the account remains on my credit file as : 1 ) current ; 2 ) last payment XX/XX/2020 ; 3 ) {$28000.00} balance ; and 4 ) 64 % credit utilization. All of these items are incorrect, except the last payment activity. XXXX refuses to change the data, even after requiring me to send proof of the payment and closed account status. Loancare says they informed XXXX in XX/XX/2020 the account was paid off. They have made me provide proof repeatedly that the account is not reporting correctly. I've done this each time and yet as of today, the account remains inaccurate. This erroneous reporting is negatively impacting my credit score. No one will fix it. I've spent hours on the phone literally and written countless messages and disputes to get this fixed and as a consumer I have no recourse. XXXX says they have to go by what Loancare says because they don't know if I submitted fraudulent docs. Loancare says the sent the correct info in XXXX and they can not resend it. Who can help me fix this mistake? I don't know where next to turn ... Thank you for your assistance and direction.

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 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX18 {$10.00} and then overdraft fees XXXX up {$110.00}

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 monetary relief
Consumer complaint received 2020-05-28
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions 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 a victim of identity theft

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 2020-09-05
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian refuses to correct information after being provided proof of inaccuracy. XXXX  deleted these addresses because they know they're inaccurate. So how is it Experian is validating these addresses? 

This Violation is : Defamation, and willful injury. 

Legal Jurisdiction : FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C.

No. 95-cv-01743 ).

The highlighted addresses are FRAUDULENT. I am a victim of identity theft. Which Experian is very aware of.

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 2021-11-29
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL 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 2018-10-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I'm having a financial hardship and I have been unable to pay the loan. I'm getting harrassing calls to myself and family threatening an attorney action if I don't pay off the loan. I told the debt collector I didn't have the funds to make the past due amount. He said what about your check i said I paid rent am I supposed to pay the loan and not have a house to. Live in he responded yes. I'm tired of this man harrassing my family and myself by being abrasive and rude over the phone. He keeps threatening legal action unless I make the minimum payment even went as far as calling me a criminal for defaulting on the loan. I'm tired of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: MI
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:
Filed a FTC report and reached out to the reporting agencies for validation of debt shown on report in XXXX. I asked if validation could not be provided to please remove from report. I have not heard anything back. I do not recognize this debt and it is reporting as a charge off which is unlawful. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). If your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. Also 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. 

As defined by the IRS, even if you didnt receive a Form 1099-C, youMUSTreport Canceled Debt asGross Incomeon your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2020-09-05
Company: Financial Adjustment Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a USPS certified mail/return receipt letter to Financial Adjustment Bureau XXXX XXXX XXXX, XXXX, IA XXXX, requesting a debt validation letter and to discuss the issue of the interest they were applying to this medical debt. 

Their response to this validation request is enclosed. I am not sure if their letter is sufficient enough to be construed as a debt validation letter. They included a convoluted statement from XXXX XXXX XXXX, but nothing that states XXXX XXXX XXXX acquired the services of Financial Adjustment Bureau to collect the debt.

They stated " Under Iowa law, if interest is not specified in writing, it is allowed at a 5 % annual percentage rate at commences six months from date of charge. '' I went online under Iowa Interest rates laws and saw this, but it did not indicate this applies to medical debts. One website states " Whether a loan is to buy a car, a house, or just to pay the rent or other household expenses, '' but medical debts are not " loans. '' Also, in their letter they did not state what part of Iowa law they are referring to, such as chapter and sections, or any proof under Iowa law that this applies to collecting on old medical debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Service Finance Holdings, LLC
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:
To whom it may concern : Over the last month or so I have been repairing my credit in order to buy a house next year. Before I started my credit score was in the 500 's. After paying off debt my credit score rose to nearly 700. Almost within days of that happening there were two inquires made two days apart from the same person. The first credit check came from a company named Service Finance Co. LLC. I received the alert from my app XXXX XXXX so I immediately followed up with the company. After speaking with a rep we both came to the conclusion that this person and I had the same first, middle and last names and the first 5 numbers of our social security numbers. The rep advised me to reach out to XXXX  who then advised me to reach back out to the company that ran the credit check. After speaking to a supervisor at Service Finance Co. LLC and after that supervisor spoke with his superiors, they informed me there was nothing they can do sense all information was correct except for the address of the person needing the loan and the last four of the social. Another company named XXXX XXXX also made an inquiry for the same person the next day with all of the same information used before. After talking with this rep she informed that they have no locations in the state I live in. However the first company I mentioned has its office in the state I live in, in fact they are only a few hours away. XXXX XXXX said they would get back to me and never did. Both of the companies I am speaking of provide services for home improvements but I do not own a home and never have, I live in an apartment. Both of these companies have left me in the dark about these credit checks and are not being helpful at all and are telling me to talk to XXXX. XXXX  can not assist until these companies write a letter to XXXX  with my information stating there has been either an error ofrfraud. I would appreciate all the help I can get to have these two items removed from my report. I have taken further action and locked all 3 credit bureaus from providing credit checks until I remove them. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports, I never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2017-08-10
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: Public record information inaccurate

Complaint:
My chapter XXXX bankruptcy has been closed and transunion is still showing as filling status. The Reference # XXXX. I tried contacting and disputing it with transunion and i was unable to fix the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been well over 30 days and I haven't received results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed inaccurate information about a XXXX late payment in XX/XX/2020 with XXXX XXXX ( Account number # XXXX ) on my Transunion credit report XXXX Report Number XXXX hard copy ). The results of Transunions investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. 

This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For Transunion to change what was initially being reported as accurate on my credit report ( XXXX day late payment in XX/XX/2020 XXXX means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this XXXX day late payment. 

How could Transunion report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. 

Ive had trouble with getting this resolved with XXXX XXXX and on their online account system it shows that XXXX payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). 

As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like XXXX XXXX who report inaccurate information and are not held accountable for it. 

They can damage my credit profile with no repercussions. Its not fair at all.

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 2018-09-17
Company: EQUIFAX, INC.
State: CT
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:
Dear Sir, on XX/XX/18 I contacted by phone and online XXXX, Equifax and XXXX.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Cap/Cabelas XXXX : I was not late making this payment. I paid online and when it came time to view the confirmation screen, the online portal kept kicking me out. I then called the company to ensure that my payment did in fact go through. The lates that you are reporting to the credit bureaus are inaccurate and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today on XXXX XXXX Chase Bank decided to close my account with out giving me any information as to why they closed the account. The worst part is that my paycheck was arriving to that checking account and thats where all the money I have is an all they say is that I can never open a account with them. They wont let me get my check out so that I can deposit it into my new bank and now I have no money since they have it all and dont give me a time frame when I can get it back.

Company response to consumer: Closed with explanation