BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am complaining about continuing fraud by Experian in their non-responses to this monitoring bureau. Experian has on three occasions lied and stated that they can not determine the identity of who I am filing this complaint against them. That is a blatant lie. In each complaint I have attached more than sufficient information to prove who I am as well as filing documents that are self-authenticating in that they are copies of documents that I sent to Experian and not one else could have access to them.

Experian has failed to remove blatantly unverified false and erroneous, incomplete accounts from my report in spite of four certified letters signed by an agent of Experian and which demand for proof of verification and the information I am entitled to under section 609 not within the 15 day DEADLINE, WHEN THEY HAD A MANDATE TO REMOVE THE ACCOUNTS OR AT AL!. 

The following accounts are inaccurate, incomplete, false, too old, re-aged, erroneous or not mine and must be deleted under the law : 1.XXXX UNVERIFIED XXXX XXXX UNVERIFIED 3.XXXX XXXX  XXXX UNVERIFIED 4XXXX alleged bankruptcy XXXX UNVERIFIED 5XXXX alleged bankruptcy XXXX UNVERIFIED 6XXXX alleged bankruptcy XXXX UNVERIFIED 7. XXXX XXXX UNVERIFIED TOO OLD FROM DOFD 8. XXXX RE-AGED AFTER DELETION I am attaching a copy of my drivers license which is the new certified driver 's license that works in lieu of a passport if desired. CLEARLY THIS PROVES IT IS ME. 

I am attaching copies of three of the certified mail receipts to Experian with signatures that prove they received the formal demands under 609 for proof and details of verification and my consumer file. The have had three 5 day time periods to proffer the required documentation and they ignored these legal requirements and flaunted the law. Regardless of what they allege they have " verified '' which is a fraud as I have the letters from XXXX where they allege verification was given, they have missed the legal deadline three times and they must delete the items regardless of any alleged documentation they receive at any time in the future. The law required deletion of the identified accounts immediately.

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 2023-01-19
Company: ERC
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:
This has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XX/XX/2023 {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Sentry Recovery and Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
InXX/XX/2020 I noticed a collection on my credited report from Sentry Recovery & Collections for XXXX. I contacted Sentry Recovery & Collections in XX/XX/2020 to find out what this was about. They indicated that it was for a house I lived in located in XXXX, Nevada. I indicated to them that I was never on a lease or signed a lease for the alleged property. Sentry Recovery & Collections respond that the debt was mine and they validated the alleged debt. I sent a letter to Sentry Recovery & Collections requesting a documentation of alleged lease and I itemized bill for alleged charges and as of today has failed to supply the information I requested.

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 2020-09-02
Company: Associated Credit Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt signed over by CEO. 


ASSOC CRDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 4 months, I have made several attempts to remind Equifax of its duty pursuant 15 USC 1681. It appears Equifax is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. 

On XX/XX/2021, I ran my credit report and noticed XXXX XXXX XXXX XXXX added a {$280.00} collection account to my consumer credit file. I immediately filed a dispute with XXXX XXXX XXXX XXXX and Equifax. 

Equifax refused to remove the XXXX XXXX XXXX XXXX {$280.00} collection account stating the debt collector validated this is my account. I don't recognize the debt so I am requesting the unverified collection account information be promptly removed from my Equifax credit report. 

Under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that Equifax did not have my consent.

Under 15 USC 1681 a number 4. Equifax did not exercise their grave responsibility Equifax was unfair, Equifax was partial and did not respect my right to privacy. 

Equifax never had a permissible purpose Under 1681 b number 2. I never instructed Equifax to furnish this report or to create this report. I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint because Equifax, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVN Funding had added something to my credit that was not mine, I disputed the account & it was deleted. A male called me with intimidating tactics & yelling out my address & info like I know where youre at. That was XX/XX/XXXX I also told the to cease & desist. The next day XX/XX/XXXX I was alerted byXX/XX/XXXX that LVNV Funding added a derogatory account to my credit report. An account that was deleted because it wasnt mine. I want them to send $ XXXX for continuing to contact me after I said dont call me & adding a fraudulent derogatory account to my credit report. It shows I opened an account XX/XX/XXXX with LVNV Funding. Please escalate because they must be doing this to lots of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: AL
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 extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXX ( Original Creditor : 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 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX I reported that XXXX XXXX XXXX XXXX was not reporting up to date payments. On XXXX XXXX I reviewed the Transunion. TransUnion deleted the XXXX XXXX XXXX XXXX account. XXXX XXXX was the Customer Service rep for Transunion and stated without a doubt that XXXX XXXX Requested the Account be deleted from my report. I have spoken with XXXX XXXX who assures me that all information. I am also including an updated Credit Card Information Letter, that shows payments are up to date. Credit card is active is being reported correctly. Transunion is at fault for both improper payments as well as deleting of accounts.

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 2021-04-26
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
there is a high balance showing inaccurate on my credit report for a loan with SANTANDER CONSUMER USA. this company never validated that i have a loan. this account is fraudulent and they never sent me a contract with my signature attached to the the loan they say i have with them. this is messing up my credit and i need to have this removed from all 3 credit reports. its also showing inaccurate / different balances on my credit report. i have called several times to have this corrected and no action has been applied. 

see attachment below date : XXXX last 4 of my ssn : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
I had an account with capital one to help build my credit. Now I always made my payments on time, I paid them early and paid my balance on full everytime. Now there was a few times where for some reason one of my banks didn't process my payments correctly causing my payments to be reversed. I work at a contact center for a bank as a supervisor and I know the process of the bank closing an account if they deem the client a risk. The bank I work for provides communication to the client to give in a way warning to the client that the bank may end up closing the account if they keep having payments reversed. After I made my payment in full after the payment got reversed my account was closed. When I called the first time to find out why I spoke to a rude supervisor trying to find out the process of capital one providing warning to their clients before an account gets closed. The supervisor couldn't give me a straight answer and in a way kept  blaming me for what happened. I requested to speak to their supervisor but what told that with capital one that's the highest it will go and won't go any higher which is ridiculous and horrible customer service. I called back and spoke to another supervisor and was informed by that supervisor that capital did mail a letter on XX/XX/2020 but that it was going to take 7-10 business days which is ridiculous because my account was closed on the XXXX which is exactly 7 days after the letter was sent that has not been received. With the previous return payments not once did I ever receive any kind of warning from capital one stating that if I had another return payment that my account would be closed which Is really frustrating. If I was made aware that if it happened again my account would get closed then I would do what ever I can to make sure it didn't happen again but capital one sets up their clients for failure without giving any warnings or assistance until after the fact. Never going back to capital one and never going to recommend capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was denied a loan do to inaccurate information on my credit report that I have disputed year agoXX/XX/XXXX# XXXX, I HAVE NO KNOWLEDGE OF THIS ACCOUNT please delete it at once. I also have a bogus default judgement that showing on my credit report Case No.XX/XX/XXXXXXXX XXXX that was a vacated judgment ( VOID ) I need that deleted at once it is not accurate.

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 2020-11-17
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my credit card bill on XX/XX/XXXX XXXX and notice they're trying to charge me an annual fee is {$39.00} on a closed account. when I spoke to the credit card company aspire they said I was being charged the annual fee because I canceled my card 2 days too late. any credit card I've ever had the past would never charge me an annual fee for a closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a request to have fraud accounts removed from my credit reports. From all three credit reporting agencies and submitted a police report and filed a complaint with FTC, CFPB, and XXXX XXXX XXXX. XXXX and XXXX have cleared my reports. But Equifax has not removed a fraud address and 8 fraud accounts appearing on my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: JPMORGAN CHASE & CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX You closed this complaint and nothing was fixed as a matter of fact it's worse.

1. Even though I send weekly extra principal payments by check to the stated address with principal payment on it ... it gets posted to interest ... I will call them on it ... they will correct..post right for awhile and then do it again. I have to check every single payment posting and take pictures of them.

2. There was an overpayment on the note side, which has now disappeared. I don't see it posted to principal like the guy said. I've sent an email and left a voicemail for him. If he can tell me the day that extra money was posted, I can pull up my pictures and see if it's true

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Stearns Ventures, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2017 From XXXX XXXX XXXX XXXX : Stearns Lending fraud. 
XXXX XXXX XXXX Dear Sir/Madam I have continually had issues with my loan with Stearns. Almost every payment they either reverse or re-apply to my detriment. I have been sending in extra payments yet they have recently charged me late fees and refuse to correct them. I have also sent in several cashiers checks recently of which some they have applied then later marked as " bad check reversal '' and un-applied them even though they are CASHIERS CHECKS from reputable banks. Regardless of the bank I use, they continually use these purposefully confusing shady fraudulent practices in order to hide the extra payments and mark my mortgage owed as higher than what I have paid. 

I have requested via email and I have called and they either promise to fix and never fi or they refuse to fix their error saying it was my error. My loan should be a full {$10000.00} less right now than what they show ( not including the interest paid they need to refund me ). 

I am only contacting you out of desperation because they will not help me and at this point my mortgage statement is so messed up it may take a forensic accountant to fix it. I am sure you will find more complaints regarding this company. The problems started when I began paying extra so I can only assume someone there has been funneling my money elsewhere. 

PLEASE HELP!!! I can no longer accept this fraud and I need someone to force them to fix my mortgage correctly. 

Thank you! 

XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 2019-10-22
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: Information belongs to someone else

Complaint:
from XXXX to XX/XX/XXXX i was incarcerated i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police report

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Failure to XXXX. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Midwest Recovery Systems
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
looked at my credit report found XXXX XXXX XXXX XXXX XXXX XXXX. I never have had a card or banked with them. No letter has been sent nor inquire has been made to see if this debt is actually mine. There is no information on this account as well such as account number ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-10-23
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: NM
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 is not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

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