BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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:
EXPERIAN REFUSES TO ACCEPT MY IDENTITY THEFT REPORT AND BLOCK FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

FRAUDULENTS ACCOUNTS : 1XXXX XXXX  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX - XXXX I have requested Experian, multiple times, to Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All attemps have been fruitless since Experian, even though I have requested and disputed these accounts multiple times by submitting to experian, via email, fax, internet etc, all my identifications and reports, they still decline my request, by claiming they have not received valid proof of identity. 

Enclosed are the following : A copy of my Identity Theft Report and proofs of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2020-05-05
Company: EQUIFAX, INC.
State: IN
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'm filing an official complaint with the 3 major reporting companies, " XXXX, Equifax, and XXXX ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX # 2.  XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX  XXXX XXXX # 5.  XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX  XXXX XXXX XXXX # 8.  XXXX XXXX # 9. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: ENCORE CAPITAL GROUP 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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The loan servicer has failed to pay out of the escrow account money due for annual water and sewage tax. As requested we have scanned and e-mail the bill to the loan servicer on XX/XX/2020. They have failed to make the payment, we have called at least three times to try and get action taken without success. We are now late for this payment. The Company is LakeView Loan Servicing , LLC ( XXXX ) the loan account number is XXXX. The trouble ticket number is 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 2022-10-04
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, I opened two checking accounts with American Express National Bank. On XX/XX/XXXX, I received a direct deposit from XXXX in the amount of {$17000.00}. I transferred {$1000.00} to my savings account that same day. Upon using the accounts, I noticed that on XX/XX/XXXX my savings account was closed and the {$1000.00} I had in that account had been " debited ''. Alarmed, I attempted to transfer the majority of the funds left to my XXXX  checking account. However, a few hours later I received an email informing me that my transfer had failed. Then, I logged into my account to find that it was restricted. When I called into the service center, I was told that my account had been reviewed and closed. Okay, that's not a problem I said. When should I expect my funds? The CSR informed me that money would be returned to where it came from and she wouldn't even tell me where the initial {$1000.00} went.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
ICE WEOTE THIS COMPANY SEVERAL TIMES ASKING THEM TO LOOK INTO THES WRONG CHARGES THAT ARE NOT ACCURATE, I UNDERSTAND THAT XXXX XXXX AND XXXX ASSUMED A VITAL RILE IN CREDIT REPORTING AND ARE NOT ADVOCATING FOR THE CONSUMERS, IT HAS BEEN SEVERAL KINTHS AND IVE YET TO HEAR A RESOLUTION I ASK YOU FOR YOUR HELP AND PRAY YOU DELIVER THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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: Account status incorrect

Complaint:
XXXX have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also, know as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. I have never paid 30-days late and when I contacted XXXX XXXXl , they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 2nd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received letter from XXXX  Civil Court of XXXX XXXX XXXXXXXX, XXXX XXXX postmarked XX/XX/2020 notifying me that Midland Credit Management INC was suing me Index No XXXX without notification from the collection agency or without any attempts to be served. 

Amount due according to the court is {$1400.00}. 

I have also sent a letter outlining that I am disputing the debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions 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:
XX/XX/XXXX & on XX/XX/XXXX I sent a letter with a federal trade commission affidavit to the Experian, XXXX, and XXXX explaining to them the information on my credit report was inaccurate and for them to investigate. I gave them 30 day to respond to me and they did not.

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 2021-04-23
Company: Client Services, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made an agreement with Client services Inc. in XXXX of XXXX to have a certain amount of payments automatically withdrawn from my account. The payments were all made and the account was supposed to be paid off. There was not supposed to be Interest charged. I had XXXX in XXXX and was very ill. Apparently I mad a payment during that time. They are now calling me saying that I owe over {$300.00} and the account is interest bearing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: MNS & Associates LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I sent them an email this morning with a cease and desist calling me and any of my family or associates telling me to call and verify my address and job with them and I have received nothing in the mail about an alleged debt and that theyre going to have me served within the next 24 hours. I also have sent them a certified letter stating that they need to cease contacting me or any of my associates and they called my parents, a work associate and my wife and left a voicemail on her phone just like they did yesterday

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear, to whom it may concern ; I XXXX XXXX XXXX  and XXXX  in my XXXX XXXX back in XX/XX/XXXX or XXXX, depending on time I went into XXXX I ended up getting scheduled to get XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, around the middle or late of XXXX if not early XXXX the lastest,. I also had and still have to endure XXXX XXXX because my XXXX XXXX XXXX  is still messed up to the point I have to get another XXXX. I have not been employed due to whats been going on with my XXXX XXXX and XXXX ; also, I live with my grandfather who has multiple medical health problems involving his XXXX, I can not bring him home XXXX. I can one of his care takers on things I am able to help, because I can't help with everything due to my XXXX. Lastly, the total due amount is incorrect and XXXX came right after.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Experian Information Solutions 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:
XXXX  shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/XXXX the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.

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 2019-05-20
Company: EQUIFAX, 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:
Equifax shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/18 the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was settled by the party that I signed a contract with. Last year XX/XX/ I received a call as well as letter stating portfolio recovery brought my debt from a debt collector. I disputed this claim with written notice alerting portfolio recovery that this debt and agreement was cleared. Portfolio recovery removed the debt from my credit report however in XXXX XXXX they have placed it back onto my credit report. I have asked them a number of times to provide with me the proper documentation on this debt and they have yet to send me this information. They have ignored me for the pass two month and they update to my credit report every month which is hurting my credit without proper communication nor documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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: Their investigation did not fix an error on your report

Complaint:
Sent certified mail delivered in the XXXX on XXXX stating this account XXXX XXXX XXXX was not mine and may be fraud. I have many open accounts with XXXX XXXX in good standing and this must be a mistake.

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 2018-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/XXXX on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Account Recovery Specialists, Inc.
State: KS
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, I pulled my credit report and noticed that Account Recovery Special is reporting and trying to collect on an account which they state was opened on XX/XX/XXXX, for {$360.00}. Please note that I have never entered into a contract with Account Recovery Special. In addtion, pursuant to Kansas Statutes, more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account. 

On XX/XX/XXXX, I wrote to Account Recovery Special indicating that I disputed the alleged account and that the Statue of Limitation had run. They received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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: Account information incorrect

Complaint:
I send an accuracy investigation letter to all 3 credit bureaus last month for an account that shows up on my credit report for XXXX Account # : XXXX XXXX  quickly deleted this account as they can not validate this debt. the other 2 bureaus have left it on..I have done research and if it is deleted by one it should be deleted by all 3 bureaus as they should communicate this information amongst each other ... ..If XXXX  could not validate this debt and removed it the other 2 bureaus can not either and this needs to be deleted by XXXX  and experian 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 2020-11-12
Company: Yamaha Motor Finance Corporation USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Line of credit fraudulently opened in my name by a XXXX dealer, XXXX XXXX of XXXX XXXX. Sales manager claimed this is normal procedure for them and became belligerent when I inquired if this was a mistake. My credit score has dropped and I have been materially harmed by their deception and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called a number on XXXX that was supposed to be for XXXX and was scammed by the person who answered my call. During the call he gained access to my bank account and took almost {$4000.00} out of my account. When I reported what happened to the Bank of America they would not refund me the money I was scammed out 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 2021-09-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Santander Consumer USA 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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Santander for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with Fidelity Creditor Svcs as well as XXXX  and XXXX on XX/XX/20. I have request documentation bearing my signature to validate that this debt belongs to me. I have not received any information in return about what this debt is, why they are saying I owe this or if it in fact even belongs to me. Since then, I have repeatedly asked for verification from Fidelity Creditors Svcs, XXXX, and XXXX via certified mail to confirm the validity of this debt to be mine. Once again, NONE of these agencies have provided documentation that this debt belongs to me and have not sent any document bearing my signature. The original credit amount is listed at {$2100.00} and the creditor continues to add some type of charge every month and the debt amount is now {$2400.00}. This is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation