BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
Company: Turner Acceptance Corp.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was taken to court by Turner acceptance. Turner Acceptance and I came up with an agreement that I will pay XXXX a month for 6 months. My last and final payment was XX/XX/2018. I was sent a paid in full letter by the company and was told to send the letter to each credit bureau. The letter was sent to each bureau. On XXXX first I was hit with a late charge on XXXX. In XXXX I also disputed with XXXXXXXX  and sent them the paid in full letter. I was sent a letter stating that the account is in good ( improved ) standing and the balance is XXXX. On XX/XX/XXXX I review my credit report and Turner Acceptance has reinstated the account as a chargeOff and never been paid. I went to court and the court order was to have the update the account as paid in full once all payments were received. The debt has been reinstated on my XXXX credit report as well. The debt has been paid and they are now reporting it as a charge off. They are violating the court order. The debt was Paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy last year and National Credit systems continues to report a negative item onto all three of my credit reports, in which violates the FCRA. I am not liable for any alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was XXXX  and I didn't have medical.. but was given grants and XXXX at the hospital.. all the debts were paid via grants and XXXX including this one..

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 2022-11-19
Company: Experian Information Solutions Inc.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$420.00}

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 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion only has 30 days from the date I filed all of my disputes XX/XX/XXXX it's XX/XX/XXXX and they have not reviewed my information they are waiting for 60 days that is wrong 30 days is what they need Legally so I've called trans union they say that I'm on a blacklist and I don't understand why I can not talk to them on the phone they won't send me my credit report I can't get it through XXXX XXXX XXXX they will not send me the information that I am requesting I am going to sue them in my state in the courts. Trans union has don't corrected information on my credit report sent 4 months ago I sent them information to get XXXX XXXX off my credit they have not done that and I did not get any information back from them regarding that. This is abuse I have been humiliated this is an outrage with trans This is abuse I have been humiliated this is an outrage with trans union has done to be I am going to take further actions this needs to stop I'm not waiting 60 days I'll see you them in court before 60 days so tell them thatunion. They are holding information that they have no right to by themselves I want to know where my current credit report is I have the option to get it every week and they say I'm blacklisted I can't even talk to them on the phone this is ridiculous ...

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 2018-07-20
Company: EQUIFAX, INC.
State: GA
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-XXXX XXXX was the original account holder. I took a payment into the store ; when they were still open, and they said their computers were down and took the check. They applied the payment at a later date and all of a sudden I owed them almost twice what I originally owed. I paid the balance of what I originally owed them, and they continued to collect on the account although they had no proof that I owed them anything more. 

Since they knew that I did not owe them more, and could not collect anything else from me they began selling the debt to other companies, and when they needed to prove I owed them, they would pull it back, and re-sell it. I filed a complaint with Missouri Attorney General 's Office, they waited and then sold it to XXXX XXXX. That is why there is no a/c number listed because it is not a valid account. 

I have never had an account charged off by XXXX XXXX, they bought this erroneous account from a bank that was selling debts that were not owed to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2022 I received a notification from XXXX and Transunion that a late payment was reported by XXXX to my credit report. I reached out to XXXX after I've checked my bank account to verify they have received payment on time which they did. XXXX said they can't do anything about it even though I have proof on time payment. I filed a dispute with XXXX and Transunion and they both said they can't do anything about it despite having solid proof that payment was made and received on time.

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 2018-10-09
Company: EQUIFAX, 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:
I settled this with XXXX XXXX XXXX, XXXX XXXX XXXX has no right or valid contract, it is against the law to collect money twice ... XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX XXXX XXXX, you can not collect money twice ... 
I contacted original creditors and was told that your system may not be updated or is in error ... XXXX   verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... please remove or litigation will follow, this is in violation of F.C.R.A. law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Wrote XXXX XXXX to Validate debt ( acct # XXXX ) was mine with my signature. I receive letter XX/XX/2018 that they didn't have any information on me. That the ownership of this account has been transferred to XXXX XXXX, XXXX See letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I checked my card account with American Express. I noticed that they had lowered my credit limit from {$11000.00} to {$3800.00}, and I was confused as to why. When I called in, I spoke to a XXXX who then transferred me to XXXX. When I spoke with XXXX, he then read a script saying that they checked my credit report with XXXX and reevaluated my relationship. Based upon what they found, they decided that it was best to lower my credit limit. I expressed to XXXX that I had several problems with this. First, my account with them has NEVER been late. I have been a member since XXXX, and I have never missed a payment on any of my accounts. Second, my credit is excellent and my income is also great. I also find it very odd that they decided to do this after they denied me for another credit card ( I submitted an application four days ago for it ). I almost feel as if I am being punished for asking for an additional card, even though I have excellent history with them. This situation is humiliating and as a result of them lowering my available credit line, it looks as if I am maxing out my credit cards with them which will impact my credit score negatively. There has to be some type of protection for someone in my situation, and the representative was not helpful. I am trying to purchase another home next year, and I feel that this will impact my ability to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.

In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was the cosigner on a loan for a vehicle with World Omni Finance. Omni could not find the borrower so they took me to court saying that I would have to pay the remainder of the loan that was left over after the sale of the vehicle. That amount was around 15K. Since then they have added anywhere from 127 to 427 a month in additional late fees ... and sometimes twice a month. I have no documented payment agreement with them that states they can charge me late fees. I would like these fees removed and the way they are reporting this to the credit agencies ( repo or foreclosure ) to change to repo only. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX XXXX XXXX, I passed out and could not make It to work so I was fired. While I was trying to look for work covid happened. I was on forbearance for XXXX because of my health and I am a single mother. I work in the health section so I was really scared to step out. I was married but he never paid a dime in my house. He was on the mortgage. I needed is signature for partial modification but he refuse to sign it. I filed for divorce he claimed he wanted my house to be foreclosed. He did everything and still doing so I can lose my house. I took him to court the judge awarded the house to me and gave me 1 year to remove his name. My credit is very bad at the moment because of all the late payment. I am back to work now but I still needed assistance to save my home because it in foreclose with the bank.

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 2020-12-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I review a current copy of my credit report an show inaccurate information listed on my credit report. I place a dispute with creditor and have not received any dispute results. This creditor is listing a charge off on my credit report with inaccurate open dates, Showing balances on a charge off account per the law any charge off on credit reports once show a balance of {$0.00}. 

Creditor : XX/XX/XXXX ( Original Creditor : XXXX  XX/XX/XXXX ) Account number : XXXX Account open dates listing on report : XX/XX/2016 and XX/XX/2016 Account open Balance reporting on credit report {$760.00} which is inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
The complaint is with Capital One. I have had this account for 17 years. I was a XXXX XXXX before I retired 5 years ago. I am XXXX XXXX XXXX. I was going out of town for 10 days in may and before i left I made my credit card payment. I made a mistake and paid them {$100.00} instead of the {$200.00} that I have been paying. They notified me about on the around the XXXX or XXXX of XXXX and paid them another {$100.00}. The next thing I knew my interest rate went from 6.5 % to 24.65 % and a late fee of {$39.00}. They also told me that I was late on my payment in XXXX of 2017. I had made a payment on the XXXX of XXXX and one on the XXXX of XXXX and they posted both in the month of XXXX and then said I did not make the XXXX payment. I learned not to make two payments in the same month. I also made a {$11000.00} payment the first part of XXXX because I received a large check from one of my customers. I deposited thie check and all was well, I thought. After 6 or 7 days my bank notified me that that large check had been returned unpaid. Therefore Capital one 's payment of {$11000.00} was returned unpaid. I immediately made my {$200.00} payment to Capital one, but they showed a returned payment that went against me. My interest has gone from $ XXXX {$65.00} a month to {$240.00} and more per month. I have written letters to them and the only thing they have said id that if I make my payments for 12 months then they will review my account and make a decision about lowering the interest rate and reversing the late charge. I have even written to the CEO, Mr XXXX XXXX XXXX and have not received a response. I am on social security and can not pay this amount of interest. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have never authorized those companies to approve or view my credit report. These fraudulent accounts should be removed immediately. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B.

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 2020-06-10
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed police reports and Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
No name listed on report and addresses is wrong and old addresses that need to be deleted I never lived there see XXXX XXXX attached for explanation

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 2022-11-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in the inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
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:
There are many mistakes appear in my report without my understanding.

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 2018-07-20
Company: EQUIFAX, 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:
Equifax listed three key factors that adversely affected my credit score ; two of them were : Proportion of balances to credit limits is too high Amount owed on accounts is too high These are false. My combined credit limits ( on two cards ) is over {$32000.00}. On XX/XX/XXXX, when the credit report was run, their balances were XXXX. XXXX dollars, XXXX cents. For as long as I've had those cards, they have been paid off in full, on time or early. 

XXXX  and XXXX listed these factors as well. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 am writing to express my dissatisfaction with the way you have handled my previous request regarding the removal of inaccurate accounts from my credit report. As I have stated before, the accounts in question, namely 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, and XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I want to remind you that it is illegal for you to continue to furnish inaccurate information to consumer reporting agencies. Under 15 USC 1681 Section 602 A, I have the right to privacy, and Section 604 A Section 2 states that you can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section prohibits consumer reporting agencies from making any report containing inaccurate adverse items of information.

I have already requested that you investigate the accuracy of these accounts and remove them from my credit report. Yet, you have failed to comply with my request, and this lack of action is unacceptable. If you do not take immediate action to remove these inaccurate accounts from my credit report, I will be forced to pursue legal action against your company.

Please do not ignore this request. The inaccuracies in my credit report are causing significant harm to my credit score and financial well-being, and I will not stand for it. I expect your prompt attention to 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 non-monetary relief