BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received unsolicited USBankreliacard Debit Card in the mail on XX/XX/XXXX. 

When I called the card issuer they informed me that someone had opened an account in my name in order to receive unemployment insurance benefits from the state of Colorado. This is absurd as I moved from another state to Colorado ) 4 years ago when I retired. However, I did live in Colorado until XX/XX/XXXX. 

The card issuer informed me that one the steps I needed to take in order to derail potential Identity Theft was to file this 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 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit card company XXXX XXXX, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an error on their part.

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 2023-07-13
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been going back and forth with the XXXX credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: General Motors Financial Company, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/2022 I pay my car off with my negotiable instrument as he account holder for the amount XXXX my account hasn't been update as I mad final payment for the vehicle and car title per obligations of the financing agreement I can prepay the vehicle in full at any time I have sent previous payment for processing but no response from GM FINANCIAL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to all three credit Bureaus on XX/XX/XXXX. I thought I was supposed to get something back from them by now. I've actually sent a second set of disputes to them and none of the credit bureaus have replied to those either. Its been 69 days and nothing. I want to file this complaint so the credit bureaus do their job. I'll give you a copy of the letters to show which accounts I am disputing.

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 2023-05-13
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been goin back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in new jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : Online Information Services  XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N XXXX Balance : {$1700.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: ONLINE Information Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill from Online information Services a debt collector for {$990.00} to XXXX XXXX. 
I called XXXX XXXX and they said it was an electric bill for an address in Texas. I live in Alabama and never even been to Texas. They said I would have to file with Federal Trade Commission and file a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Credit Service International Corp
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been going back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Back in XX/XX/2021, XXXX  XXXX XXXX closed my checking account sue to Suspected Fraud. I missed a payment and was late 30 days. I had to wait for a new account. I am currently employed with XXXX. During the same month. I had to XXXX XXXX. I did not get a regular check. I tried to explain what happened. I have never been late, my credit score went from XXXX to now XXXX. As a matter of Fact, this company XXXX XXXX XXXX, renewed my loan. I went through extreme circumstances. XXXX XXXX XXXX said they can't me. 
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 2020-07-17
Company: The Phoenix Recovery Group
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2016 XXXX XXXX XXXX reported I owe {$7000.00} in unpaid rent. I was on a month-to-month lease. I let the landlord know I was moving out and no longer wish to continue to rent there. I removed all of my belongings there were no damages to my unit and I was not notified that there were damages or any remaining balances due. I have asked several times for them to provide documentation with my signature to support their claims yeah nothing has been provided to me. I have disputed this and It still remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: First Advantage LNS Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Nevar gives permission to run my credit never give any permission

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 2020-07-17
Company: EQUIFAX, INC.
State: DC
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 have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, Equifax, XXXX  and XXXX XXXX, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another four inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00}

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 2020-07-17
Company: Experian Information Solutions 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:
I just want an account removed from my credit report. I have a letter from the collector stating they were requesting the account be removed from my report with all the credit bureaus on XX/XX/XXXX and to allow 30 days for the process to be completed. Instead, as of today it shows a {$0.00} balance and still on my report. I will forward you the letter and want it gone as it was supposed to be.

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 2020-07-17
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:
I just want an account removed from my credit report. I have a letter from the collector stating they were requesting the account be removed from my report with all the credit bureaus on XX/XX/XXXX and to allow 30 days for the process to be completed. Instead, as of today it shows a {$0.00} balance and still on my report. I will forward you the letter and want it gone as it was supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Mr. Cooper Group 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:
Upon reviewing my credit score earlier this month ; I saw that Mr. Cooper ( Nationstar DBA ) mortgage company reported an additional mortgage/ loan to my account and to my credit score. This error has decreased by credit score by 66 points. I work very hard to maintain that credit score and pay my bills on time. I have spoken to representatives from Mr. Cooper several times. When I spoke to a XXXX today she confirmed that between the months of XXXX and XXXX that their was a massive error on their behalf reporting incorrect information in regard to loans and credit reporting. I now have apparently wait fir their internal investigative department to research and clear the error. I need this error to be removed from my loan and from my credit score. I also need my credit score to be reinstated to its most recent numerical value prior to this error on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just want an account removed from my credit report. I have a letter from the collector stating they were requesting the account be removed from my report with all the credit bureaus on XX/XX/XXXX and to allow 30 days for the process to be completed. Instead, as of today it shows a {$0.00} balance and still on my report. I will forward you the letter and want it gone as it was supposed to be.

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 2020-07-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of XXXX  after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My credit continues to be negatively impacted by this account and inaccurate credit reporting since XX/XX/2022. This account has been reported as a charged-off account continuously with no credit to the monthly payments being made. My issues began with this account after the initial XXXX occurred on XX/XX/2022, in which I was given XXXX  days ( XX/XX/XXXX ) to pay the amount of {$2300.00}. The payment also included my next monthly payment. After the payment was successfully made on Friday, XX/XX/2022, the vehicle was returned to me. Subsequently, XXXX additional monthly payments were made and both were posted to my bank account on XX/XX/XXXX and then XX/XX/XXXX. There are also attached screenshots of those payments posted to my bank account as proof but never corrected on my credit reports after recovery. My credit report does not reflect any of these payments made since XXXX and still shows the account as a charge-off prior to being seized again today with no explanation. This is a clear violation of the FCRA and continues to negatively impact my credit as time passes.

Company response to consumer: Closed with explanation