BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Major Issue with Equifax Credit Bureau ... .they compromise my information on my credit file by sitting for 6 months from their Cyber- Security Incident in XX/XX/XXXX and did nothing. Now, a re-investigation as of XX/XX/XXXX, a new list was updated and as of XX/XX/XXXX when I was informed by a Rental Office applying for an apartment, the attachment is provided stating an ID Theft Fraud Alert on my credit file. Which is a Security Freeze and I was able to get the pace and I'm Homeless. Since XX/XX/XXXX-XX/XX/XXXX I have faxed my driver 's license 4-5 times.. ( enlarged ) and my birth certificate to show the correct information and to update my report. They have all gave me the run-a-round and Lied with not receiving my faxes. I also mailed my driver 's license and birth certificate as well and I'm waiting on the receipt/update on that. Equifax Never informed me of their corrupt mistake until I received a letter from them on XX/XX/XXXX ... attachment provided ... confirmation # XXXX credit file date XX/XX/XXXX. This Credit Bureau needs to be shut down and a class action suit needs to be provided. I am a victim and need to be PAID IN FULL from Equifax. Thank you and hopefully all will be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: SC
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:
Collection Agency keeps reporting a 6 year old debt as a new delinquency. The Date of First delinquency is XX/XX/XXXX. It has been investigated, corrected and then shows up again as a new debt. 

Collection account is below : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 need all credit cards prior 2012 removed from all credit reports. 

Also, i have a repossessed vehicle and the car wasnt mine. It was apart of ex-wife name but for some reason its on my 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
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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 disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CREDITACPT. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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: Account status incorrect

Complaint:
I have a loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.

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 2020-08-28
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX/XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00}

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 2017-08-01
Company: Experian Information Solutions Inc.
State: NC
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 XXXX is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted XXXX XXXX when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.

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 2019-08-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I " graduated '' from the now defunct XXXX XXXX XXXX XXXX in 2007. I received an XXXX of XXXX XXXX in XXXX and XXXX. This degree had not helped develop my career one bit and now the degree itself is useless because of the non-accreditation. 

Not only did I use/lose my GI Bill ( it wasn't enough to cover costs ), I had to take out several private loans to offset the cost. It has been 12 years and I still owe just under {$30000.00} as of today. The school does not exist any longer, it lost its accreditation and the degree has no value.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: TN
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:
After many attempts, Experian still fails to Block as requested items identified in an FTC Fraud Report and Police report. Despite FCRA rules, Experian leaves items on my report more than the four days prescribed and simply verifies the debt with the creditor and notifies me repeatedly 30 days later that they have verified the debt despite a police report and the items remain. 

I feel Experian has violated FCRA 605B ( a ) and abused the authority in ( c )

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 2020-11-15
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: Account information incorrect

Complaint:
Situation : Derogatory remark on credit reports, even after disputes, related to closing a checking/savings account with XXXX XXXX XXXX XXXX, IL. Cr report remark states late payment 30,60 days for {$99.00}. States Charged Off by institution. I never had a credit account with this institution. There was no communication or warning from XXXX that there could be a potential negative remark. 

Background : I requested to close a checking/savings account with XXXX XXXX XXXX XXXX late XX/XX/2020. I informed them that I would XXXX  out the account via electronic txfer and then they could close it. I was informed that I could not txfer the {$5.00} savings balance due to Credit Union regulations, but that XXXX would mail that amount. I received a check from XXXX late XX/XX/2020 via my military mail. When I finally got around to opening the check it was for more than my remaining account balance. I contacted XXXX to inform them. I was told the matter would be escalated. During this time I was busy working COVID response, but finally reached back and one XXXX  agreed with my suggestion just to canx the check and reissue for the proper amount and would re-escalate the matter. I was in the middle of PCS and work and in early XXXX found out via credit monitoring that I had a " major derogatory remark '' on my reports. I re-contacted XXXX  and after many calls, txfers to diff departments and hours on the phone we agreed that I would return the check and they would reissue a check for the proper amount and in turn correct my credit. They said I would have to liaise with their collection department to ensure this happened. When I contacted the collections department they could not provide a good explanation of why it was reported on my credit without warning. They were also baffled on why I was told to contact them directly and just stated to dispute the matter via the credit bureaus, as that was the only way they could address any issues. I disputed the remark and contacted XXXX for an update. The curt/rude collections dept rep informed me they could tell me nothing, questioned if I even disputed the issue and that they had up to 45 days to answer any dispute once received. They demonstrated that they could careless about my background story and what I discussed with XXXX member services about getting all this corrected. On XXXX XX/XX/2020 I discovered that derogatory credit remarks would remain on my account per the credit agencies since the " creditor '' substantiated the information. I called back XXXX member services stating the issue & requesting a copy of call phone call transcripts dating back to XXXX. They said they would get back to me, but if not, feel free to reach back.

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: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One acct in XXXX XXXX balance was {$5000.00} payment of {$50.00} was made a week before due date. XXXX bill arrived and balance was {$5000.00} now payment is {$130.00} due to added interest of {$86.00}. It was very misleading that new payment would be XXXX XXXX of balance + interest. This is taking advantage of senior citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've made several attempts at contacting Convergent Outsourcing requesting information regarding this account. My last attempt was XX/XX/2021 where I spoke with an agent and a supervisor. They kept making debt collection attempts and settlement offers. I called to request a breakdown of charges because the amount they are attempt to collect is not what I owe. As I've stated, I've gotten no information. I disputed several times with the credit bureau as well. They will respond to them and continue to adversely affect my credit. All communication regarding this has been initiated by me. These people are very unprofessional and have made no real attempt to resolve this matter.

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 2018-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/18 I have contact Experian spoken with XXXX to verify account and was told account was sold to XXXX XXXX XXXX XX/XX/2018. I have request document on file to confirm account as of today XX/XX/18 I don't have documents. 

XX/XX/18 I have spoken with XXXX XXXX to verify account and was told account was sold to XXXX XXXX XXXX XX/XX/18. This is ( 2 ) different sold dates. 

XX/XX/18 I have contact XXXX XXXX XXXX to request validation of debt and still have not received documents as of XX/XX/18 XX/XX/18 I have contact XXXX XXXX XXXX spoken with XXXX, XXXX and XXXX XXXX to confirm account by requesting validation of 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 non-monetary relief
Consumer complaint received 2021-04-02
Company: CL Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX BALANCE : {$7600.00} According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. This is a time-barred debt. Please remove this account from all three credit bureaus. 

Pursuant to the attached documents, page 4, the highlighted section, the date of commencement to collect this debt was XX/XX/XXXX. Last payment made was XX/XX/XXXX. Once again, according to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( TU ) Name : XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( XXXX, TU, XXXX  ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( XXXX  ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( XXXX  & XXXX  ) Please remove unauthorized inquiries from my credit file : XXXX   XXXX XXXX XXXX XXXX US SM Bus Admin XXXX XXXX XXXX ( 4 Times ) 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 ( 3 Times ) XXXX XXXX XXXX XXXX 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 2018-07-01
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:
Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed 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 2020-11-16
Company: Dynamic Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from Dynamic Recovery Solutions for a debt. I do NOT know who the Original debit is from. I do NOT owe this debit. Past STATUE OF LIMITATION! Have NO clue where this debit come from. This is a 3rd Party who bought this for XXXX  's on the dollar to collect a old debit that is PAST STATUE OF LIMITATION!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Exeter Finance Corp.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  XXXX reports. If you do not immediately remove these inaccurate and incomplete accounts in XXXX business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX, I received a negative report on my credit report. I filed a dispute with the three consumer reporting agency 's and contacted Common Wealth Financial Systems to let them know, that they have the wrong person. My name is not ( XXXX XXXX XXXX ). The Employee at Common Wealth Financial Systems said it was a mistake and they would remove it. The Three credit companies removed the negative report on my credit report. 
On XX/XX/XXXX i received a statement from Common Wealth Financial Systems & XXXX XXXX XXXX, XXXX. whom sent an itemized list of the bill in question. The individual XXXX XXXX XXXX lives in XXXX Tx. 
XXXX XXXX XXXX : Born XX/XX/XXXX XXXX XXXX XXXX : Phone # XXXX XXXX XXXX XXXX XXXX XXXX : Hospitalized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX XXXX : Charges {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX I am contacting the Consumer Financial Protection Bureau to help in this matter. These two Incompetent XXXX Companies have the wrong Person, Name, Address, City, Age, Phone #. I would like for CBFP to investigate these erroneous illegal acts from these two Companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: TN
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:
ALL CREDIT SYSTEMS HAVE FAILED ME THEY HAVE NOT REMOVED THESE ACCOUNTS FROM MY REPORTS

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 2020-08-24
Company: EQUIFAX, INC.
State: TN
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:
ALL CREDIT SYSTEMS HAVE FAILED ME THEY HAVE NOT REMOVED THESE ACCOUNTS FROM MY REPORTS

Company response to consumer: Closed with explanation