BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I purchased a vehicle through XXXX in XXXX Texas. I spoke with a member of their finance group and stated that I would most likely finance the vehicle purchase. They called me back to let me know that if I would like to purchase the vehicle they would be able to provide financing. I agreed and purchased the car and financing was secured. What I did not agree too nor cencent to was for them to run my credit much less put 6 hard credit inquiries on my credit report. I never gave them permission to do this once much less 6 Times. They have refused to resolve the issue. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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: Investigation took more than 30 days

Complaint:
I sent out a letter to all 3 credit bureaus EQUIFAX, XXXX, AND XXXX on XX/XX/XXXX stating I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I still haven't received anything from them about the accounts that were inaccurate THE ACCOUNTS WERE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Convergent Resources, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft I have an FTC report I called the credit bureaus numerous times to get these accounts deleted because they are reporting inaccuracies and fraudulent accounts. I never gave a written consent to any consumer reporting agency to report anything on my consumer report is finalize my rights as a federal protected consumer. 

Convergent outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
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: Old information reappears or never goes away

Complaint:
I ordered my credit report and there was a charge off account from XXXX which was supposed to be removed in XX/XX/XXXX. I disputed with the credit bureau to get it removed and they updated the account using the information from XXXX to XXXX as new. This caused my account to drop 121 points in 2 different disputes. They were supposed to remove the charge off and instead they updated the old information to the present year.

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 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, XXXX, XXXX and Transunion. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-09-12
Company: Associated Credit Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  failed to prove their account belongs to me. While in the process of validation the account was sold to Associated Credit Services.

Associated Credit Services has also fail proving their account belong to me. Neither XXXX nor Associated credit Services are Holders in Due Course. 

XXXX reported a balance of {$100000.00} and Associate Credit Service reported a balance of {$97000.00} each reporting the same account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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:
I submitted proof from my bank showing that I was never late/delinquent on my XXXX XXXX Auto account. I will attach my bank statement from XXXX XXXX XXXX here. I am asking for all of the late payments to be removed. Or for the entire account be removed from my credit 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 2020-09-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-24
Company: Experian Information Solutions Inc.
State: MO
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:
Clarity Service Inc. has collected and shared my personal information. Clarity Service Inc. has also unlawfully used identifing numbers such as the SSN whitch is unlawful use of a. Credit card. They do not have my consent to use or disclose any information about the XXXX XXXX XXXX. I have common law copyright and any variation of my name as well as a UCC 1 finance statement, hold harmless, indemnity agreement and payment Bond of file in their respective agencies. I am the Authorized Agent for the XXXX XXXX known as XXXX XXXX and withdrawal any and all contracts expressed or implied, presumed and or assumed.

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 2020-07-12
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XX/XX/XXXXXXXX XXXX erroneously closed my credit card account last year then reinstated it since they made the mistake. This active credit card still shows the account was opened in XXXX, but the XX/XX/XXXXXXXX XXXX Visa, ending in XXXX, is nowhere in my credit report. Since it is the oldest account I have, I need it to show in my credit report, but it doesn't show up anywhere. I spoke withXX/XX/XXXXXXXX XXXX last year, but they said they don't have to report it. Please assist me. I am trying to refinance my mortgage, so the " oldest '' account currently shows as my current mortgage I opened in XXXX. I need my credit to show I have had a credit card in perfect standing since XXXX. Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent a letter to Transunion to verify 5 of my accounts. 
I requested original documentation ( A contract with my signature on it. ) I received a letter by Transunion on XX/XX/2020, 37 days later, stating once again that my accounts have been " verified ''. this is my 5th letter that i have sent the credit bureau, all of my letters I send via certified mail. I have dates and copy 's off all the letters that i have sent them. this is the second time they have replied to me past the 30 days mark, with none of the documentation that I have asked of 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 2020-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched USAA statement MC ending XXXX. ** I did Not Open this Account ** Secure data from this account was used to Open a Visa ending XXXX. UNAUTHORIZED TRANSACTIONS OCCURRED XX/XX/XXXX - XXXX XXXX see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM claim date of XX/XX/XXXX {$470.00} UNAUTHORIZED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: CBC Companies, 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: Personal information incorrect

Complaint:
I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, XXXX, innovios, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Accounts : Capital One amt. claimed to be owed {$340.00}. XXXX XXXX XXXX amt. claimed to be owed {$400.00} I have sent 4 rounds of dispute letters to the 3 credit bureau 's. Starting in XXXX XXXX and the latest one was sent in XXXX of XXXX. After the 3rd round of letters, XXXX has been the only bureau to remove these 2 accounts mentioned above. The following was stated in my letters to XXXX and XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately.

XXXX has responded to the 4th round of letters and have not provided verifiable proof as I requested. They also stated that they will no longer dispute these accounts again. Unverified accounts remain on my credit report. XXXX has not yet responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: The Bureaus, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Bureaus Collection Agency has violated my rights in attempting to collect a debt they claim I have, I have paid this debt to XXXX XXXX in XX/XX/2019 which can be viewed on my credit report and shows as the debt was legally paid for less than the full balance. I received a letter from the Bureaus ( TBI ) attempting to collect on this debt and quickly sent a letter in response asking they validate the debt as I paid this debt off. I did not receive a response and as soon as I saw the Bureau added their account to my credit report I contacted them by phone. I was unable to speak to anyone when I called on multiple occasions and only received voice recordings that due to the pandemic they cant always answer. ( I have the phone records of my multiple attempts to resolve this ). I then filed a complaint with the XXXX XXXX XXXX  during which the bureau provided misinformation, and again failed to resolve this. This is negatively affecting my credit and should be resolved quickly. I dont know how else to resolve this issue other then filing this complaint or obtaining legal representation which will be my next course of action should I not achieve amicable resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In 2015 I agreed to a debt consolidation with XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Over 90 DAYS ago, I initiated a dispute to Equifax, to investigate the ACCURACY of ALL information in the closed XXXX XXXX/XXXX Charge Account reported on my Equifax Credit Report ( See Attachment-3 pages ). I HAVE NOT RECEIVED a reply from Equifax concerning this dispute ; In fact, this disputed XXXX   XXXX/XXXX Charge Account still shows Consumer disputes-reinvestigation in progress on my Equifax Credit Report ( Refer to page 2 of Attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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:
Experian is committed fraud against my Trust and Estate Full faith in Credit by reporting false information on my report. I aquire my home at XXXX XXXX XXXX XXXX NY XXXX, on XX/XX/2020 via Promissory Note which is to be considered to be the same as cash in accordance with 1882 Bills Of Exchange Act. The Debt has been paid in full, The Debt of Exchange has been signed, sealed and delivered to XXXX XXXX XXXX XXXX, its not fair that Experian are allowed to report this fraud against my Trust and Estate

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 2023-06-18
Company: CarMax, 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 information incorrect

Complaint:
Carmax Auto Finance is reporting a loan that was paid in full by XXXX XXXX XXXX XXXX XXXX as I did A refinance on vehicle. Yet Carmax is still reporting the account open and recently reported account late even though account is CLOSED but its not reporting as CLOSED paid in full with the three credit reporting agencies. Carmax is falsely reporting inaccurate information on this account which is negatively impacting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: WA
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:
Ive been a victim of identity theft and I mailed my Identity Theft report to the credit bureau and they ignored these fraudulent 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 2017-12-12
Company: PNC Bank N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This number called me and knew my credit score and limit. 
XXXX They asked me to read out loud my credit card number. As I declined, they hung up. Please catch these scanners!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: PDQ Services, 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:
In XXXX  of XXXX I went to XXXX XXXX XXXX XXXX to see a Dr. Before all my treatments were done the Dr died and the office was closed immediately. At the time of my visit I was covered with XXXX  and XXXX  to pay for medical expenses. After the office was closed with no forwarding address and contact and without my knowledge a collection account was added to my credit file for XXXX. I became aware of this, pointed it out to XXXX, made two disputes and XXXX  refused to remove the item. The collection agency PDQ Services in XXXX Ga also refuses.I had no opportunity to communicate with them to head off any other issues. XXXX  and XXXX XXXX properly removed this item the same day that I disputed it with them. After 2 complaints and 2 months XXXX  continues to report this item as fact. I has also created a negative impact on prospective lenders that I have contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
In 2015 I agreed to a debt consolidation with US/DOE for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts.

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the US/DOE to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )

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 2015-11-04
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX XXXX XXXX home loan was bought by Nationstar Mortgage Company. There has been nothing but harassment. I pay my loan before the grace period ends. I keep receiving reminders ( threats ) to pay my loan. I also keep receiving solicitations to refinance my loan, also for insurance products. I am trying to refinance out of this company 's clutches. The reviews of this company are horrific. How are they still in business?

Company response to consumer: Closed with explanation