BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Applied for mortgage with BB & T Bank XX/XX/XXXX. The day I applied 2 credit reports were pulled within an 1 1/2 hrs of each other by XXXX XXXX on behalf of BB & T. Because of negligence on behalf on BB & T employees this mortgage took 6 months to close. Closing date was XX/XX/XXXX. DuringXX/XX/XXXX BB & T has another report pulled by XXXX XXXX. As stated I closed my loan on XX/XX/XXXX. Ninety days after I closed on my mortgage another credit report was pulled by XXXX XXXX on behalf of BB & T. I contacted the President Line at BB & T Corp. I have conversed on numerous occasions with XXXX XXXX. I first notified BB & T on XX/XX/XXXX when I became aware of the problem. I began conversations with XXXX XXXX  on XX/XX/XXXX. No one at BB & T can give explanation as to why my credit was pulled without authorization in XX/XX/XXXXconsidering my business was concluded on XX/XX/XXXX and they had no valid written or verbal authorization. This is in direct violation of the Fair Credit Reporting Act which carries automatic {$1000.00} penalty with no proof of damage needed. As discussed with XXXX XXXX when approved for my mortgage my credit score was XXXX. All my accounts have been paid on time no delinquencies yet my credit score has dropped 45 points. Two reporting agencies are showing 4 hard pulls and 1 agency is showing 3. Normally, a mortgage should only show maybe 2. I have given BB & T 70+ days to correct there errors to no avail.

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX AND XXXX is reporting a negative remark on my credit report that is a result of identity theft. I have sent paperwork numerous times to Equifax claiming identity theft.

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 2020-08-27
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
http : //credencerm.com/ This company is calling people falsely claiming they are in debt and owe them money for services provided by XXXX. They will not stop calling. They have XXXX accents and are looking to trick people into giving them money. They are committing Fraud. I don't want anyone to be a victim of their scheme. They should be shut down. They claim that they are headquartered in XXXX XXXX XXXX # XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: RGV Loans LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had a personal loan with RGV Loans located in XXXX, TX. We are currently going thru a pandemic and fell behind on payments XXXX XX/XX/2020 XXXX since our household went down to one income instead of two. They would not work with me in any manner, instead they filed a lawsuit against me. I have recently been making payments of {$200.00} which is more than my payment amount. XXXX XX/XX/2020 ) They are expecting me to make a payment every week which is impossible considering the situation i'm currently in. But they keep harassing me at work calling at least twice a day, I have already gotten in trouble at work. Not denying what I owe and i'm really trying to pay but can only make a payment once a month not every week like they expect. I try to tell them and they are not understanding at all. I can not afford to lose my job due to them harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX my wife and I contacted Evergreen Professional Recovery XXXX, to pay medical debt accumulated from XXXX. We made a verbal agreement to have all accounts deleted off our credit reports if we paid all accounts in full that day. The individual we spoke to agreed to these terms verbally. We then used our internet account to pay these accounts in full. After one month no accounts had been updated through the credit bureau 's. We disputed with the credit bureau 's, after the required 30 days the accounts were updated stating paid. Then we disputed again as these accounts were supposed to be deleted entirely off the reports. This month we have begun calling Evergreen Professional Recovery XXXX to ask why the accounts have not been deleted on our reports. They state that they have no record of agreeing to these terms. Please when dealing with this company request in writing to have a letter of deletion sent to you prior to paying any debt.

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 2018-03-27
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FOR SEVERAL YEARS I HAVE BEEN A VICTIM OF ID THEFT. REPORTED TO FTC, LOCAL AUTHORITIES, & CREDIT BUREAUS ACCOUNTS WERE REMOVED ONCE & DEBTOR HAS REPORTED DEBT AGAIN BUT LISTED UNDER ANOTHER NAME. THEY EVEN HAS IT LISTED AS A DEBT AND ALSO REFERRED TO AND LISTED UNDER COLLECTIONS ON CREDIT REPORT. I HAVE NO KNOWLEDGE OF THIS DEBT AT ALL. THIS DEBTOR HAS SOMEHOW FOUND MY PHONE NUMBER AND CONTACT ME ON SEVERAL OCCASIONS, I PROVIDED POLICE REPORT & NOTIFIED THEM THAT A FREEZE HAS BEEN PLACED ON MY REPORT DUE TO ITEM BEING UNKNOWN. THEY TOLD ME THAT THIS DEBT BELONGS TO ME BEING BILL WAS PAID SOMEWHAT BUT I HAVE NO INTEREST IN THE STORE WHATSOEVER AND ASKED THEM TO CONDUCT A FULL INVESTIGATION OVER AND OVER TO CONCLUDE THAT I AM NOT RESPONSIBLE FOR THIS DEBT. SO THE OUTCOME WAS TO REPORT IT AS A DEBT UNDER ANOTHER NAME AND ALSO TO COLLECTIONS SO I HAVE THIS LISTED TWICE AS A DEBT AND ALSO AS A COLLECTION ITEM. THE AMOUNT OF THE DEBT AS REPORTED IS {$1000.00}. THE REPORTS WAS FILED IN 2014 ON 3 DIFFERENT OCCASIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: SUNTRUST BANKS, 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: Public record information inaccurate

Complaint:
I have things on my credit that have been handled through my bankruptcy which still shows up on my credit with all 3credit bureaus and also my bankruptcy still shows up even after knowing that the new law says it should not I have did so much to get things in order but the creditors nor collection not working with 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 2019-09-26
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson Capital Systems knowingly lied to the credit bureau about re-aging a collection adding three years to what I still do not now is a valid debt.

I submitted a dispute via XXXX and Jefferson lied and said it met FCRA rules considering I haven't had the account in 5 years -- ans had a current account with XXXX until I switched providers last month can't be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Called and Have Spoke with this Company who has been very rude to me and even hung up the phone They Claim i owe this Company Money for a cell phone which i do not and they will not provide me any proof

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 2020-08-27
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE INQUIRIES ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-11-16
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have fell behind on my car note the last few months after being diagnosed with XXXX and being XXXX  for almost 2 months. I have spoken with the finance company Santander Consumer because my car note is due on the 1st of the month and I absolutely cant make my payments on the 1st I have begged and pleaded with them to change my car note until the middle of the month but they constantly refuses and I will forever be behind on my car note. The interest rates are so high and I owe more on the car than its worth Im stuck in a situation and they will not offer any help they offered me a few extensions while I was XXXX  but thats it. I never received any information about the settlement when they were sued I shouldve received my title to my car because i qualified but I was over looked. I currently owe {$19000.00} on a XXXX  XXXX XXXX and my payments are {$470.00} a month they are getting over on a lot of people with the tactics they are doing. Ive spoken with managers and they still will not offer me any help with this car loan that Im stuck in. I have had this vehicle for almost 2yrs and if the give you and extension they add so many fees and high rates that you have to pay back Im just a huge lost right here with Santander Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE INQUIRIES ARE ALL XXXX  RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-11-20
Company: Exeter Finance Corp.
State: IA
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 have reached out to Experian on numerous occasions regarding derogatory accounts reporting on my credit file with them. The 2 creditors in reference are XXXX XXXX XXXX & Exeter Finance XXXX XXXX XXXX XXXX is reporting a Original Balance of {$11000.00} Payment Status_ Voluntary Surrender with a Past Due Balance of {$690.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate The Closed Account should not be reporting a past due balance or monthly payment, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file.

Exeter Finance XXXX is reporting a Original Balance of {$12000.00} Written Off Amount of {$11000.00} Payment Status_ Charge-Off with a Past Due Balance of {$9800.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate, The amount that's supposedly written off is inaccurate, I never received a 1099C as documentation that the debt was written off, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file.

Also everytime I submit a dispute my credit scores drop due to these disputes which is unfair to me as a consumer challenging various inconsistencies on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: NJ
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 paid the XXXX XXXX, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit 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 non-monetary relief
Consumer complaint received 2021-07-02
Company: FC HoldCo LLC
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:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2021-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RECOVERY A plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

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 2020-08-27
Company: Experian Information Solutions Inc.
State: CT
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 portraying my identification is compromise I spoke with the representative to disputed the correct items

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 2020-08-27
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: Information belongs to someone else

Complaint:
These are XXXX, I didnt benefit, apply for, and authorize these accounts. I want them to be removed. 
XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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