BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
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: Account information incorrect

Complaint:
I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012.

The damages that they are claiming that I owe were caused by Hurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.

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 2017-08-02
Company: Experian Information Solutions Inc.
State: SC
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 have an account with   XXXX   XXXX   XXXX   XXXX  . During the course of the loan, I went through a Loan Modification program.   XXXX   XXXX   had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced.   XXXX   XXXX   is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by   XXXX   XXXX   . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted   XXXX   XXXX   several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines. Wells Fargo is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.

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 2019-04-29
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: Account information incorrect

Complaint:
I have My Employer is XXXX XXXX XXXX. The following Employers are not mine please remove/delete them they are not accurate : XXXX  XXXX  XXXX  DO NOT CALL XXXX XX/XX/2012 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a few unknown accounts : XXXX   XXXX  XXXX # XXXX, XXXX XXXX   XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.

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 2020-11-28
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX and XX/XX/2019 Fed Loan marked me down as 30 days late. 
-I disputed this because I was on a deferment. Instead of fixing it, they marked me 90 days and 120 days late -I have tried disputing this since then and they DO NOT fix it. 
-I have documents on my loans that show I was on a deferment and should not have EVER been marked late. 
-This is ruining my credit and am trying to buy a house and they have dragged this on forever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: Velocity Portfolio Group
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: Information belongs to someone else

Complaint:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. CKS PRIME INVESTMENT ( Opened XXXX XXXX, 2019 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

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 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a balance transfer on my Capital One venture credit card at 0 % interest in XX/XX/XXXX. It was for 12 months. The transfer was made and my other balance was paid off. Each month I would get a statement with my existing balance. Unlike other credit card companies that I've done balance transfers with, Capital one does not show the consumer the expiration date of the balance transfer. They also do not show the the length of time the balance transfer is for when the initial balance transfer amount is first listed on your statement, During the course of the year I've made my payments, but did not pay off the whole balance off. I forgot when I initially made the first transfer and thought, capital one would inform their consumers of when the expiration date of the transfer was approaching to avoid paying the much higher interest on the remainder of the balance. I called Capital one customer service who told me my transfer did expire in XXXX of XXXX. I told him I was dissatisfied and they should keep consumers aware on their statements to avoid paying higher fees. They told me they don't list that info on their statements. It think this is a deceptive practice, and a change should be made. All other credit card companies, make this clear on their monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I WANT TO RECIEVE MY UNEMPLOYMENT ( PUA ) BENEFITS IN MY CHECKING ACCOUNT ON MY DEBIT CARD AND NOT THEIR BANK OF AMERICA DEBIT CARD. I DO NOT WANT BANK OF AMERICA HANDLING ANYTHING FINANCIAL OF MINE AND THEY ARE NOT ALLOWING ME TO DO SO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right .

15 U.S.C 1681 section 602 A states I have the right to privacy..

15 U.S.C 1681 section 602 A Section2 : it also a Consumer reporting agency can not furnish a account without my written instructions..

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 2021-09-13
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:
Equifax credit report shows a 30 day past due on XX/XX/XXXX. I filed a dispute with Equifax and also contacted XXXX XXXX XXXX. XXXX XXXX XXXX replied to Equifax that the payment history/prior reporting is accurate. 

I called XXXX XXXXXXXX XXXX 3x to get an account history. They could not locate the account even with full account number because it was " archived ''. I finally was able to get a copy of the last statement on this account which is dated XX/XX/XXXX. The statement shows the account paid in full and closed. This is affecting my credit score. The account was paid off in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems Inc. are attempting to collect a debt that is not owed and are reporting on my credit report. I had a judgement with an apt that resulted in a ( POSSESSION ONLY ) -No Monies Owed. I have Documentation from my Countys General Sessions Court of which it was handled. They are attempting to collect {$3900.00} and have not provided where these fees come from. They then told me that it was forwarded to a law firm and provided me with a number. I called the number provided and the law firm told me that they they would send a print out of the " alleged '' fees. I have not received any information. I have called both companies multiple times. Though National credit systems have stated that they do not have my " case '' any longer they are still reporting currently on my credit report. I have tried disputing  with XXXX  and XXXX  sending proper documentation showing that i do not owe this debt and they stated that the debt was validated and have not shown me how or what the verification details include. Due to this i have faced homelessness with me and my XXXX children because we are unable to get approved for a home due to this false report on my credit report. ( its an automatic denial if your report shows a balance owing someone ) ... I also sent a print out of my rental report to the bureaus and it also shows that i have {$0.00} dollars owed from original company and yet they still denied my request of removal. I also called original company and asked to speak to manager on multiple occasions  and left my contact number each time and have not received a call back or email. There has been no solution to this in almost a year of attempting to get this squared away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have contacted XXXX, XXXX and transunion about the debt on my credit report from XXXX. I have asked them to provide And have asked numerous times to provide physical verification of the original signed certified contract with a wet ink signature which is my right as a consumer under the FCRA section 609 ( a ) ( 1 ) ( A ). and Copies of copies are not validation and by law are not considered. XXXX XXXX and transunion has not complied and still lists this debt on my profiles. they keep removing it and adding it back to my profile.

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 2020-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have fraudulent accounts reporting to collections : - XXXX XXXX XXXX - XXXX XXXX I don't know how people are getting my information.

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 2020-05-12
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions 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:
I had an credit card account with XXXX  XXXX XXXX. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX ... and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that XXXX  XXXX XXXX was allowing XXXX to have access to my account to make payments and balance inquires. I requested that XXXX stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. XXXX did so ... and the charges continued ( under the old number ). XXXX told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. One of the incident numbers is XXXX. There have been over {$16000.00} in charges by XXXX on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. XXXX XXXX XXXX is already in possession of all documents related to this. I have provided them multiple times over the years.

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 2017-08-02
Company: EQUIFAX, INC.
State: SC
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 have an account with   XXXX   XXXX   XXXX   XXXX  . During the course of the loan, I went through a Loan Modification program.   XXXX   XXXX   had me under a contract to pay a significantly lower mortgage payment for 12 months and then my mortgage was refinanced.   XXXX   XXXX   is reporting several months of late payments although I paid the contracted and agreed upon loan modified payments during this time. My payments were never late- they were modified by   XXXX   XXXX   . I paid the AGREED upon MODIFIED payments and they should not be reported as late. I have contacted   XXXX   XXXX   several times and they have informed me that they are showing my account in GOOD STANDING. One customer service representative told me that the late payments will not be removed because even though the loan was modified, it was not the original payment amount. Under the loan modification, I was told that I could not pay any MORE or any LESS than the agreed upon amount and had to follow strict modification guidelines.   XXXX   XXXX   is reporting false information on my credit report. This false/inaccurate reporting is causing financial hardship and undermining my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I inadvertently signed up on line with Experian for a membership which, as soon as I realized it cost, I stopped the application process ( I thought! ) A {$21.00} charge started showing up on my VISA statement. I called them. I did reach la real person. They agreed to stop the membership and the charge. But that has not happened. The charge is still appearing. I'm afraid to simply ask my VISA company to stop payment for fear doing so would end up showing up as a non-payment of something I had agreed to pay. They could negatively affect my credit rating. Today I tried, using two different " consumer assistance '' phone numbers from Experian and I couldn't get through to a person at all. This has been very frustrating!!!

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 monetary relief
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have unauthorized accounts that appears on my credit report due to my Identity been stolen, I request the following accounts to be delete and removed off my credit report : XXXX open date XX/XX/XXXX amount {$200.00} account # XXXX, XXXX XXXX XXXX  XXXX open date XX/XX/XXXX amount {$980.00} account # XXXX, XXXX XXXX XXXX  XXXX open XX/XX/XXXX amount {$2000.00} account # XXXX, XXXX XXXX  XXXX open XX/XX/XXXX amount {$1900.00} account XXXX XXXXI reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2018-02-19
Company: PRESTIGE FINANCIAL SERVICES INC
State: PA
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:
On XX/XX/ 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Personal information incorrect

Complaint:
see attach proof that XXXX  using unlawful FCRA violations documents will show the actually before

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