BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: EQUIFAX, INC.
State: IN
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 lowed my credit score on XX/XX/2018 by 69 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

Equifax lowed my credit score on XX/XX/2018 by 59 points for no reason other than I received an increase in my allowable credit. I have tried to fix this with them and on this site. It still has not been fixed. 

I understand how credit scores work and my score should have increased instead of decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Case # XXXX-XXXX  was closed but not solved. 

In Associated Banks response they admitted that their employee did not stop/opt out of their overdraft protection service as I requested back in XXXX to which resulted in my account to be allowed to go negative twice for {$2000.00} each to which I had to borrow the money to cover it. 

They did refund the overdraft fees but should be partially responsible for the money allowed to go negative. 

Thanks for your cooperation. 

P.S. 
I do not want calls from them since I received harassing calls on the first complaint from them. 

All correspondence will go through this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I need help with the forbearance process and answer some questions. I have a loan serviced with Quicken. The recent FHFA announcement about not needing to pay a lump sum at the end of forbearance. I need to know if the refi option or ability to extend my loan term by the number of months forbearance will impact my credit and if we can agree to the terms prior to starting forbearance. My concern is if I cant make a credit card payments or if I'm late during the forbearance will impact my ability to qualify for the repayment option. I need help to understand my options and the website is very limited information and the options are not clearly defined. Tried to reach an agent multiple times with no response or agents are not available for both online and call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts in 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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent a letter to Trans Union Credit Bureau XX/XX/2019 asking them to remove a bankruptcy from my credit report because it's against the law to report this information they've obtained through a third party known as XXXX XXXX. Their response was they verified the information and refused to remove it from 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
Consumer complaint received 2020-04-28
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:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$2800.00} {$2800.00} ftc violations XXXX  CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$2800.00} {$2800.00} ftc violations XXXX  CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/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 2020-04-28
Company: EQUIFAX, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Kia motors credit change name on my credit report of company to Kia financial America which original name on the loan application and the original creditor name should not have any XXXX on my credit report therefore the name change should not have decreased my credit score but XXXX points which is not right till the old company name was Kia motor credit now it's Kia financial America

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This letter is to inform you that I recently received a copy of my credit reports from Transunion and XXXX  and after reviewing my reports I found a number of items on the report that are inaccurate. The account in question is XXXX and please see the information provided from employee XXXX XXXX ( Customer Service Manager ). 

Today on XX/XX/XXXX I spoke with XXXX to discuss my reporting and she advised that the account was closed XX/XX/XXXX. On my Transunion report the date reported is XX/XX/XXXX. In addition, the first date of delinquency was XX/XX/XXXX however, in the payment history for XX/XX/XXXX the account is listed as OK. However, in my XXXX  file, the date of first delinquency is listed as XX/XX/XXXX. Cleary, there is no merit amongst the reportings and you are in clear violation of the FCRA. 

Please send me copies of the documents that you have in your files as of this date that you used to verify ( not validate ) the accuracy of the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified but send me copies of the documents that you have in your files that were used to verify the reportings for XXXX If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed from all three credit reporting agencies.

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 2021-10-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021 They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
American Express keeps reporting a " hard '' credit inquiry on my XXXX  credit bureau report. 

This inquiry is from XX/XX/XXXX and is too old to be listed on my credit files at XXXX.

It is definitely hurting my credit score and ability to obtain a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
credit collections is wrongfully reporting a collection on my report and is NOT willing to cooperate to either accept payment in lieu of resolution or delete it because they don't have it on their records and can not find any account in their system that matches my personal information My numerous attempts to resolve this issue with credit collection services went either ignored, or they start calling me for collections harassing at work, home and relatives. However when I tried to pay to get this over with they told me they do Not have this account and I have to call XXXX XXXX, don't even know who they are but have no number or account for me to call, AND they keep reporting this account on my credit report. When I dispute this with the bureau, the process of harassing calls starts again ... this is ridiculous and illegal!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: RI
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 received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX XXXX website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/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 2020-04-28
Company: EQUIFAX, 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:
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$2800.00} {$2800.00} ftc violations XXXX  CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: FORD MOTOR CREDIT CO.
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:
I've notified all parties ( credit bureaus/individual companies ) regarding the consumer report violation under ( 15 USC 1681b ) ( Exclusions ). I've requested that all late payments ( specifically ) be reversed/removed from my consumer report as it is a direct violation of my consumer rights per the ( FAIR CREDIT REPORTING ACT ). I'm requesting immediate assistance as the companies listed/the credit bureaus reporting have chosen to violate my rights according to the F.C.R.A. Your assistance in this matter would be greatly appreciated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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: Problem with personal statement of dispute

Complaint:
I have submitted numerous disputes to XXXX  since XX/XX/2018 and 3 method of verification requests. 
To date I have not received any information they have complied. 
Keep sending investigation results : Dispute file # XXXX Verified as accurate : The disputed item was verified as accurate, Dispute file # XXXX disputed info updated and other info updated, Dispute file # XXXX verified as accurate and updated. 
I have asked them to comply with my method of validation requests and/or send me a copy of something factual Portfolio Recovery has sent them to base their reporting on or delete this derogatory information Portfolio Recovery is submitting to them. 
I have sent countless requests to Portfolio Recovery for debt validation and they have continued to report since XX/XX/2018 negative un-validated monthly updates to all 3 credit bureaus. XXXX  and XXXX  state they are still investigating. XXXX needs to be driven completely out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: Account information incorrect

Complaint:
The bureaus are reporting inaccurate information on my credit report. They are reporting recent lates on my credit file for XXXX and XXXX on student loans on Department of Education. I was never late. I have talked to department of education and fixed it with them. They should not be reporting this on my credit and this needs to be fixed.

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 2019-06-26
Company: Acceptance Rentals, 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:
I have sent in multiple dispute and fraud reports to XXXX and the collections agency. I have yet to receive any documents from XXXX  or the agency furnishing the results of the dispute. They have not sent back anything paperwork/documents verifying that this is my account. They only close my dispute and say they verified that it is my account without any proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Security Credit Services, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last Spring I noticed several weekly payments coming out of my account from XXXX XXXX XXXX. I called them and asked what this was and they couldn't give me any information as I didn't have an account with them. I asked them " why then are you taking out money from my bank account? '' They suggested I call my bank. 

I called my XXXX XXXX  and they started an investigation and issued me a new debit card as that was how the monies were being removed. They reimbursed me all the funds. 

Sometime in XXXX I started receiving phone calls from a company that said they were trying to collect on the debt. I relayed the same info to them as above. They told me that they were emailing me information. I asked what email they were using and it wasn't mine. Something like XXXX???? 

I then called XXXX County Sheriff Office and spoke with a Deputy who said that this was a common ploy and that I should just tell the people who called that it wasn't my debt and hang-up. He also suggested I keep a watch I my credit report. When I looked today, I found a negative report from Security Credit Services in the amount of {$1400.00}. I called XXXX and disputed the report. They suggested I file a claim with the FTC.gov which I am doing today. 

Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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 AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND THEY PRETENDED TO BE ME AND THEY OPENED FRAUDULENT ACCOUNTS AND CHARGES. I HAVE REACHED OUT TO BOTH COMPANIES AND THEY HAVE NO PROOF TO PROVIDE TO ME WHO HAS OPENED THE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: SIERRA PACIFIC MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am getting a notice that I have missed mortgage payments although they have been made - they are sent directly from the bank. I have emailed them and sent a letter with a copy of the payments made from my bank and a copy of their statements that show the payments received. All I have gotten back is an email saying they need the actual checks, which do not exist as the payments are made from the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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:
ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my XXXX XXXX for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX  as I'm sure ...

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