BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have NEVER opened an account with I C SYSTEM INC ( Account Name ) XXXX in XX/XX/XXXX or any other time. I have asked for proof of the debt twice, my signature, date that I signed the contract, etc. via XXXX  dispute resolution program and have not received resolution as of XX/XX/XXXX. The debt remains and is noted to remain on my credit until XX/XX/XXXX. I have no other recourse but to contact you because the credit bureau dispute program is not of value to me.

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 2018-09-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had nothing but problems with my bank over 4 years ago checks were sent to an incorrect address after my address was updated with the bank the person living at the address used my checking account to pay their bills I had to open a new checking account at the time the bank promised that I would have a no fee checking for certain balances and no fees for checks I have recently discovered that I am being charged XXXX for checks I don't feel as though these charges should be charged to me I would like them to be refunded to my bank account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05
Company: Byrider Franchising, LLC
State: PA
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 do have a loan with CNAC/XXXX but it was already closed and marked as Charge-off. I have been asking for the complete payment history of this account for me to review it but my request has not been granted and this erroneous information keeps on hurting my scores. I tried reaching out to both XXXX and XXXX, and CNAC/XXXX with no successful resolution. There was definitely an error on their part. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had submitted five claims with Experian trying to get multiple inaccurate/ false late payments removed from my credit report. However, they kept saying, it verified, but in reality Experian never contacted my former mortgage company XXXX, because when I called them they referred me back to EXPERIAN. I even get a letter from them say I NEVER LATE. 
XXXX and XXXX are removed the late payment, but Experian would not removed the late payment from my credit report. 
I don't know what to do right now? 
Please, somebody help me? 
Do I need to contact someone else? 
Now Experian won't even allow me to make another dispute online, while they won't show me any document from XXXX. 

I don't know what to do at this time! 
All I need is for Experian to do it job. 
Thank you.

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 2020-05-04
Company: EQUIFAX, INC.
State: VA
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 called XXXX XXXX  to see why they reported an increase to.my balance when I pay on time and extra. They claimed that the problem was Equifax that they didnt report that amount. When my dispute was completed with Equifax it said account was accurate.When I looked at the payment reports it doesn't show where I paid extra. I feel like i am getting the run around. This increase made my score drop. They need to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I was charged {$3.00} by XXXX on my XXXX XXXX XXXX credit card ending in XXXX. Unfortunately, there was a glitch in the XXXX XXXX app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by 70 points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called XXXX XXXX to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired. 

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life. 

I'd really appreciate your help with this.

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 2020-05-05
Company: Lending Club Corp
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint that LENDING CLUB CORPORATIONS are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: TN
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:
Hello there are some inaccuracies on my credit file. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. There are closed accounts or zero balance accounts with NO late payments that should have been closed or removed. I have contacted Equifax, XXXX XXXX, and XXXX several times. Per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am a victim of identity thief and I explained to TransUnion that there was a problem with my credit report reflecting proper updates. I told them that I wanted to monitor my report closely, so that I would not experience any further fraud. So I added a fraud alert to my credit report and it still does not reflect. Either it was never done or as I previously complained about, my credit report is not reflecting proper updates.

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 2018-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 report indicates that Capital One Bank made a negative comment on my credit report which I can not see. It dropped my credit score by XXXX points from XX/XX/XXXX until now. I do not have any late payments with them on my credit card or house loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from Ad Adstra Recovery Services. Ad Adstra is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this XXXX acct. As result, Ad Adstra is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 reached out to Capital One/ Walmart Card about a late payment on my credit report as I notice I was late I immediately paid the entire balance and contacted Capital One to ask if they could remove the late payment and offered to setup automatic payment to avoid this from ever happening again and got nowhere over the phone so I sent a good will letter and still no answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Affiliate Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter around XX/XX/XXXX dated XX/XX/XXXX from Affiliated Asset Solutions, LLC for the amount of {$1500.00}. I immediately called them and told them that I was disputing the collection. I was told by their representative that I had gone to the emergency room on XX/XX/XXXX and the bill was a result of that visit. I informed her that I did not go to the emergency room in XXXX at anytime and that I wanted to dispute this collection. They have proceeded to call me several times and I have repeated that I did not go to the emergency room in XXXX. I have asked for the name of the hospital and any intake forms of my supposed visit and any bills that were generated as a result. They just keep calling me and asking me about the debt. I went to the XXXX XXXX XXXX  website and they have a lot of complaints from people complaining about the same problem I am having with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX my XXXX XXXX XXXX XXXX was totaled financed by Westlake Financial on  XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact Westlake to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which Westlake financial was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called Westlake with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to Westlake 3 weeks later I look at my credit I have a charge off on my credit. Showing as if Westlake financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from XXXX XXXX XXXX XXXX. XXXX XXXX is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this SpeedyCash acct. As result, XXXX XXXX is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This Company XXXX XXXX XXXX XXXX hasn't provided me with a HIPPA release this is a violation of the FDCPA and the FCRA simply because this company ( XXXX ) is a third party entity whom shouldn't even have records of my medical records. They should have included a HIPPA release with my signature on it. Which they didn't. 

I disputed this directly with Equifax in which they out right refused to correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Westlake Services, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Westlake Portfolio Management bought my car loan from XXXX XXXX XXXX on XX/XX/2020. I received correspondence that the amount due was {$420.00} to be paid on XX/XX/2020, but the actual amount due on that date was {$380.00}. In addition, I was sent correspondence that their records indicated I was participating in ACH withdrawals with XXXX, but this is not correct. Further, I was sent correspondence that my insurance was lapsed, or terminated. I called to ask about it, and when pressed who reported this information to them, they indicated the name of my insurer was " Your Insurance '' which is incorrect. My insurance did not lapse, and it was not terminated. The total amount due on the loan was mailed to me ( {$5400.00} ), and it was different than the total amount due on the loan reported online ( {$5400.00} ). I feel that the fraudulent information sent to me is an attempt to defraud me.

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 2021-03-12
Company: SYNCHRONY FINANCIAL
State: AZ
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:
My wife passed away on XXXX XX/XX/2021 on or about XXXX XX/XX/2021 I notified Lowes/Synchrony customer service number XXXX and was connected to Synchrony bank " OFF-SHORE '' call center that my wife had passed away as this was a joint account they did not ask for a copy of her death certificate but said they would verify independently through other means, On XXXX XX/XX/2021 I entered Lowes store in XXXX AZ and attempted to purchase some items I needed for some home repairs and my Lowes credit card was " DECLINED '', I went to the customer service desk and was told when they checked the account that it was closed with no mention of any thing else. 
I called Lowes/Synchrony customer service and requested to talk with a manager and then they finally transferred my call to another person in their " Probate '' center who told me yes they reported my wife 's passing and in addition they had reported my death also to all three credit reporting agencies without any evidence that what they did was in fact true. I contacted XXXX and XXXX  and filed a dispute with both of them and was told that this could take up to 45 to 60 days to get corrected. My wife 's death certificate has not been issued by the XXXX county coroner as of XXXX today XX/XX/2021 also my wife 's obituary was not published in the XXXX  XXXX XXXX weekly paper until XXXX XX/XX/2021. This will seriously impact on my ability to finnish all my wife 's final arrangement if I am listed as deceased by all three credit reporting agencies that have not conducted their due diligence and published totally false information on my credit report and want to drag their feet in correcting this. All the other creditors that my wife and I have asked for a copy of her death certificate or the name of the funeral home that was taking care of my wife 's funeral. I am possibly considering retaining an attorney to take them to task for their errors.

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 2021-10-11
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX AND XXXX ARE REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON THE FEDERAL TRADE COMMISSION FREE ANNUAL CREDIT REPORT WEBSITE. I HAVE VERIFIED MY IDENTITY USING THEIR TWO FACTOR AUTHENTICATION METHODS AND ONLINE QUESTIONS MANY TIMES AND HAVE ACCOUNTS WITH EACH BUREAU. I WAS PREVIOUSLY FOR THE PAST TEN MONTHS ALLOWED ACCESS WEEKLY TO MY ALL THREE BUREAU CREDIT REPORTS!!! I DEMAND IMMEDIATE ACCESS TO MY FREE FTC WEEKLY ONLINE CREDIT REPORT!! I AM NOT PAYING THE POSTAL MAIL TO OBTAIN A CREDIT REPORT WHICH COSTS ME MONEY!! XXXX EXPERIAN AND XXXX ARE VIOLATING THE LAW AND ARBITRILY NOT ALLOWING ME FREE ONLINE CREDIT REPORT ACCESS DESPITE SUCCESSFULLY ANSWERING IDENTITY QUESTIONS CORRECTLY!! XXXX YOUR MAIL IN FORMS!! IM NOT BEING INCONVENIENCED AND WAITING WEEKS FOR MY CREDIT REPORT I COULD GET NOW ONLINE. I NEED MY CREDIT REPORT NOW!!! I DEAMND IT ONLINE NOW!!! IM NOT PAYING POSTAL MAIL TO GET MY REPORT AND SENDING THE BUREAUS IDENTITY DOCUMENTS IN THE UNSECURE XXXX POSTAL MAIL!! XXXX EXPERIAN AND XXXX, WHICH XXXX REPEATEDLY VIOLATES THE LAW BECUASE MY REPORTS ARE INACCUREATE, THUS PREVENTING ME FROM RECEIVING THEM!!

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: FORD MOTOR CREDIT CO.
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: Account status incorrect

Complaint:
According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CL Holdings LLC
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:
These accounts were sold. According to my findings, I am no longer liable for the supposed debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: TN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: MS
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:
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX XXXX XXXX

Company response to consumer: Closed with explanation