BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: MD
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:
On XXXX XXXX, XXXX, my account went delinquent. However, I have been paying XXXX XXXX XXXX XXXX XXXX dollars a month every XXXX of the month since XXXX XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.

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 2019-10-09
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2013 to XX/XX/2013 @ the address is XXXX XXXX XXXX in XXXX XXXX, LA. XXXX, my niece, XXXX XXXX used my name, Mr. XXXX XXXX, and my SSN # which is XXXX to apply for XXXX XXXX Data & Telephone Services without my knowledge and/or approval. XXXX is contacting myself, Mr. XXXX XXXX to collect on this debt which is NOT mine, but is that of my niece XXXX XXXX and it is having a negative impact on my credit score and  report.I would like for this matter to be rectified as soon as you possibly can. If you need any further information, please do not hesitate to contact my son, XXXX XXXX directly at ( XXXX ) XXXX or myself at ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
USAA repossessed my vehicle and now refuses to accept payments from me through its app and web portal. Every time I try to pay I am greeted with a 16:2942 error refusing to accept payment. Customer service was nonresponsive. After refusing to accept payments, USAA now has begun charging me late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: MD
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:
Please see attached FTC REPORT to remove all unauthorized inquires on my credit report. 

I have called Equifax, XXXX and XXXX for removal several times and they have refused to honor my right to an accurate, fair and equitable consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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: Account information incorrect

Complaint:
XXXX  ; Experian  and XXXX  should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-10-17
Company: Mercedes Benz Financial Services
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I leased a XXXX XXXX XXXX XXXX and the second day I receive the car the engine light was on and a warning that the gas cap is loose and there a noise every time I hit the gas I took the car to service 3 time no help the issue not resolved I contacted the customer service they seems they dont care much I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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:
XXXX ) XXXX Acct. # XXXX, was repossessed on XX/XX/XXXX and Charged Off in XX/XX/XXXX. However, it continues to show a Charge Off each and every month after ( XXXX XXXX XX/XX/XXXX ) which hurts my credit report because it is showing a new Charge Off each month and thus does not allow this account to age. This is re-aging my account each month ( exhibit 1 ). 

My credit report also shows an on-time payment 6 months after I did not own the vehicle on XX/XX/XXXX ( exhibit 1 ). 

I disputed the continued charge-offs, but you responded and still included them in your investigation. 




I would like you to compare my credit report balance on XX/XX/XXXX and XX/XX/XXXX, to see if my balances were lower as in my XXXX credit report ( Exhibit 2 & 3 ). 
Please immediately remove this account from my credit report for all the FCRA violations Section 611 ( 5 ) ( A ) 2 ) XXXX Acct. # XXXX, this account should of fell under the Lemon Law, but I kept being assured by the BMW Dealership that a part was due toa factory defect. I stopped making payments in XX/XX/XXXX and I return the vehicle back to the Dealership in XX/XX/XXXX, just about 8 months after receiving the vehicle. It was an Early Termination, but it was listed on my credit report as a repossession. 

I looked at my credit report for XX/XX/XXXX and noticed that there were Charge Offs for XXXX and XX/XX/XXXX and then it showed on-time payment history XX/XX/XXXX through XX/XX/XXXX. How can I have on-time payments for a car I dont own or have? ( exhibit 4 ). 

XXXX also filed a IRS Form 1099-C Cancellation of Debt XX/XX/XXXX, in the amount of {$26000.00} which means the form 1099-C is a tax document used to report a debt of more than {$600.00} when it is canceled by the lender. The lender creates and mails this form to the debtor. The debtor reports the amount from the 1099-C because they are liable for the taxes that may be owed on that amount. Therefore, XXXX was compensated for that {$26000.00} where I had to pay the taxes on that amount. 

3 ) XXXX Acct. # XXXX, This vehicle was paid in full in XX/XX/XXXX, so why is this account still updating every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX, My public record " Bankruptcy '' will expire.The 10 year mark is over with.The actual date date i filed is XX/XX/XXXXThat date is on record.Therefore, this public record should not be on my credit reports at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX the natural person. Im disputing this matter on my own behalf. Commonwealth Financial Systems Inc is reporting a collection for a medical bill on my consumer credit reports. I never did any business them. I do not know how they got my personal private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
We sent a letter to the credit bureaus, asking them to correct an error on our credit report. Well over 30 days have passed, and some of the bureaus have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Enhance Recovery Center by mail on XX/XX/XXXX it was picked up on XX/XX/XXXX to validate a debt. They did not provide legitimate proof. XX/XX/XXXX I called and asked a customer service agent how my debt was verified she did not have any information correct on this account that is supposedly mine. I was immediately referred to a supervisor even though I did not ask for one. Once I spoke with said supervisor, she did not provide adequate information either how they proved the debt was mine verified and validated and repeatedly threatened to report it negatively on my credit report if I did not pay. Now, according to the Fair Credit Reporting Act " 807. False or misleading representations '' ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed " If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am disputing the validity of this debt owed. I am currently working with a lawyer because Portfolio Recover Associates, didn't provide accurate or necessary proof of debt. 

They also continue to call my work and my phone. They have even resorted to texts. I have told them on numerous to stop contacting me. They don't stop. I have attached a screen print of them continuing to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint request. 

A identity theft report was filed with the Federal Trade Commission. The reference number is # 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 non-monetary relief
Consumer complaint received 2018-01-22
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
No disclosure was provided of an already completed balance transfer where the policy now allows for new purchases to accrue interest from the date of transaction. The policy had previously been that the statement would arrive to confirm transactions with stipulated minimum payment and the new full balance of the CC. To which I would make my payment and be on my way. Not they accrue interest the date of a transaction withour disclosing their policy change. This gets to the point of abuse to consumers that are not able to manage cards and changing policies. These people make me sick and illustrate the importance of the CFPB.

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 2017-11-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Experian again as well as opened disputes with XXXXXXXXXX and XXXXXXX ( been multiple times ) to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XX/X/2017 I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully Experian, XXXXXXX and XXXXXXXXXX must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.

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 2022-03-05
Company: Experian Information Solutions Inc.
State: NV
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:
Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX XXXXXXXX experian, XXXX, XXXX XXXX XXXX experian, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN

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 2021-10-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I contacted chase on XX/XX/15 after I tried to use my card to make a purchase and my card declined. When I called chase to check my balance or see if their system was down I was told my account was closed and to contact customer services. When I contacted customer service I was on the phone with them for 4 hours with no information given. I was first told that both my accounts were closed and it was a final decision and she couldnt explain so she would transfer me. After holding for over an hour a man came on the phone and told me my account is still open and active with no restrictions but my debit card is closed. I asked him why I wasnt given any notifications via email or text which is my preferred contact method nor was I mailed anything. He said he did not know any wasnt in charge of that and he also didnt know why my account was closed he then told me he would transfer to someone who could answer my questions. I was transferred to another lady who told me both my accounts were closed and it was a final decision and cant be reversed she also stated she didnt know why I wasnt notified and still havent been notified of this decision but my account will be closing in 10 days. She also said she didnt know why they had been giving me the run around because my account clearly says in red to contact online services. No one has yet to reach out to me notifying me my account will be closed and why that decision was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: NC
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 am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.

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 2021-10-16
Company: Inflection.com, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is another womans information coming up for employers and other companies that use this service, telling them that I have a criminal record, but I Do not. Ive never been arrested or put into handcuffs or even been convicted of a crime. 

I have a letter from the local sheriffs department showing that I have a clean record, and Im willing to share addresses, my ssn, and anything else I have to to get this report fixed. It is ruining my life, Ive been denied jobs without a second thought from them, Ive been denied air bnbs, and credit cards and even housing due to this other persons information and I cant handle the stress anymore. Its causing me a great amount of grief and stress, I cried all morning because our vacation is ruined because of this incorrect report you gave to air bnb. 

Please tell me what else, other then this letter from the sheriffs department, that I can send to help prove Im not this other person and to help Separate myself from this other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
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 status incorrect

Complaint:
I have reached out several times to try and get this matter resolved. There is an account from XXXX XXXX  and an account from XXXX XXXX reporting FALSE information on my credit reports. I am requesting that the information be VERIFIED as accurate, or DELETED completely from my credit 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 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 have been trying to raise my credit score in order to purchase a car and a home and I have been charged {$39.00} twice in the last 5 days for credit reports by XXXX as well as other ridiculous charges. After paying off one debt ( I only have 2 ) my credit score has been consistently getting lower rather than higher. I have 17 hard inquiries and I only recognize maybe two and I can't get a hold of anyone to fix it. XXXX charged me for a free credit report not once but twice and the things I have paid off are not showing as positive on my report nor are they adding the extra points. I've also been disputing a collection from 2005 from a utility company and they will not take it off of my report despite disputing it twice yet I can't settle or pay it off because when I call the collection people it is too old to show in their system. Nothing changes after disputes and nothing positive is listed in my credit report only negatives. I never can reach a human. Only recordings. I'm charged for reports that under federal law should be free. And then they tell me it's for other services and fees that I never signed up for and do not want but I'm stuck with because I need these credit reports so I can try to fix them and have a home. I'm a XXXX veteran living with family only because of my credit score and I have no current debt whatsoever. None. The reporting agencies are so vague and have so many ads and other companies offering credit repair b.s. I just don't get it but I want to understand so I can fix my credit score and have a home and reliable car. Thank you for any help you can give 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 non-monetary relief
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, XXXX, Transunion, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from 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 explanation