BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: Rock Creek Capital, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I participated in the XXXX XXXX XXXX XXXX by leasing a XXXX XXXX back in XXXX. The XXXX XXXX XXXX  was then sold to XXXX in XXXX and I returned the leased vehicle to XXXX  in XXXX of XXXX. I never received any notifications from XXXX  regarding any outstanding amounts that were owed on the lease. More than 2 years after I returned the vehicle, the portfolio was again sold to Rock Creek Capital , LLC. Rock Creek apparently decided that I still owed {$400.00} on the lease ; however, I never received any correspondence from them regarding this amount. The balance was then apparently forwarded to XXXX XXXX XXXX XXXX. Again, I never received any phone calls or correspondence from XXXX  regarding the " amount owed '' and then I received a negative mark on my credit report due to this balance. I would like this negative remark removed from my credit report. I never received any emails from them either ( I confirmed they had a correct email ). I contacted XXXX  to remove the negative mark and they refused because they claimed they had attempted to contact me. However, they had outdated address information due to the lease portfolio being from nearly 3 years ago. I even have a friend still living at my old address who confirmed they never sent me any notices. They had my SSN so I am 100 % confident XXXX  could've obtained my correct address and contact information if any effort was put into that at all. This is a predatory company working with another predatory company. I would like to request again, through this complaint, that the negative mark be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: LOAN TO LEARN
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX loan has been paid in full and need to be removed from my credit report. Debt is reporting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Account information incorrect

Complaint:
I have two auto accounts that XXXX XXXX XXXX XXXX claims to have closed in default. The one in dispute was closed on XX/XX/2014 with an outstanding balance of {$300.00}, which I later combined with another payment paying the other auto current at that time. They applied the payment to the other account, but apparently did not show the other account paid in full.

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 2019-06-11
Company: Adler Wallach & Associates, 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:
Contacted each credit bureau and informed them Im a victim of identity theft. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} {$530.00} XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1600.00} {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received any opportunity to dispute debt from Nationwide Recovery. It appeared on my credit report with an open date of XXXX. I have not received services. I have had prior companys send me information about this debt. However, when disputed they never provide verification. It seems that they are all passing this debt around to various companies. I have requested an itemized bill and validation of debt owned. Documentation of date and services provided. They are creating amounts how can an hospital bill be {$120.00}? I have yet to receive any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion, XXXX, and XXXX in violation of Federal Law. Transunion, XXXX, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized COAF Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it 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 non-monetary relief
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: MS
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 submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, XXXX, and Experian in violation of Federal Law. XXXX, XXXX, and Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXL XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXB Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: MS
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 submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, Equifax, and XXXX in violation of Federal Law. XXXX, Equifax, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southwest Recovery located at XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX phone, XXXX. Has bought an account from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and they are saying that I now owe {$1100.00} to the collection agency. This account was paid in full on XX/XX/XXXX in the amount of {$1000.00} and I have my debt settlement letter from XXXX XXXX XXXX as well as receipts showing the debt is paid. Southwest recovery is reporting inaccurate information. I have disputed the debt with the credit bureaus and XXXX is reporting the debt as accurate as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I Have sent letters to all three credit reporting agencies to verify some information on my report and they keep sending back that the information has been verified But I have contacted the original creditor and the sent back saying that they have no information for this account so how can it be verified as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with Portfolio Recovery. I am not responsible for the collection for the debt with XXXX XXXX. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is in regard to Nelnet - when we initiated the Parent Loan for our son there was a program for Federal Employees, in our case the XXXX XXXX XXXX, that stated if we paid our payments on time every time for XXXX years the balance of the student loan would be paid in full and no charge to us. 

Unbeknownst to us, my husbands name ( he is/was at the time in XXXX XXXX XXXX ) was removed from the loan when Nelnet purchased the smaller loan company ( Nelnet purchase XXXX. XXXX was the original lender ) I contacted Nelnet as we were so upset by this and all they said was " we can not find his name in our files '' We have almost perfect credit and not only did I pay ontime, I always paid more toward the principal as the interest rate was XXXX XXXX This has been the most frustrating and dishonest credit practice I've ever encountered. And there was nothing I could do - The Federal Student loan system is rigged as they are full of high interest rates and false promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: AmerAssist A/R Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AMERASSIST AR SOLUTIONS has a derogatory collections Reported on my Credit Report which show to all three major bureau. This account is in collections for {$1500.00} and is heavily impacting my credit score. I know nothing about this account and would like this removed immediately. 
This bogus account was reported by AMERASSIST AR SOLUTIONS. This was last reported on XX/XX/XXXX This complaint indicates that the account was opened on XX/XX/XXXX o The Company in which the complaint originated is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Account information incorrect

Complaint:
Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan XXXX never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, XX/XX/2021.

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 2022-02-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Target Card Services has reported XX/XX/2022 that I was late {$28.00}. However, I was not notified either by telephone or email that a payment had been missed; resulting in a 30 day late Negative Item on my credit report. I called, wrote and disputed the Negative Item and have since paid the account in full. As a long time cardholder, I have diligently paid this account by or before the payment due date. Your assistance with my dispute is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: JPMORGAN CHASE & CO.
State: PA
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 opened case # XXXX which you closed without resolution of the problem. Chase opened this credit card without following the 7 year fraud alert on each of the 3 credit reporting agencies. There are explicit instructions that I must be contacted at the phone number listed on the 3 credit reporting agencies. Chase never contacted me and opened the credit card in question ignoring the 7 year fraud alert instructions. I have repeatedly called Chase fraud department for an explanation and they have none. I want them held responsible for this irresponsible action which could have resulted in serious consequences to me had I not acted quickly to close the account. Chase did correct the fraudulent credit card with the credit reporting agencies but this is much more serious. Why would the case be closed when this serious issue was not addressed by CFPB? This activity by Chase should be made available to consumers. In the letter to me from Chase dated XX/XX/2017 the address card number ending in XXXX which was NEVER questioned in my original complaint. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions 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:
There is a tax lien that was paid and canceled with the state of Georgia in 2013. I have the letters from XXXX County Georgia Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.

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 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
2nd request* I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were many accounts and hard inquiries I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX to XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

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 2018-01-04
Company: Security Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received my credit report for all three bureaus and noticed that Security Credit Services was reporting that I owe a charge off balance of {$1100.00} for a Company called XXXX leasing company. I only leased an amount of {$530.00} for a furniture company called XXXX XXXX XXXX, and I have paid XXXX XXXX over {$600.00}. for the lease and was told by XXXX that my by out amount was only {$140.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Customer Support p : XXXX | XXXX f : XXXX | XXXX XXXX : XXXX m-sat : XXXX XXXX est sun : closed Purchase was made XX/X/2016 for {$530.00} Reporting to credit bureau Security Credit Services {$1100.00} Security Credit Services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid this account as apart of a settlement with my other student loans and they are still reporting a balance of {$1000.00} on my credit report. This is killing my credit and I ca n't seem to get them to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
This account was added to my credit report, I have no idea what it is nor have I received any information regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FRAUDELENT ACCOUNTS ON MY CREDIT REPORT THAT DOESNT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: General Motors Financial Company, Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
A few years ago i had a repossesion and left me a balance reporting negatively on my credit on XX/XX/2016 I settled this account for a lesser amount and have a settlement letter from the attorneys office proving this. Gm Financial refuses to update my credit report showing account settled as they agreed when the settlement was offered to me.

Company response to consumer: Closed with non-monetary relief