BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company refuses to clear up the misunderstanding about this debt. Never lived at the address that they're showing and people in XXXX know that the water department is a complete joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent Experian document after document, talked to them on the phone, sent in additional documents and everything they have asked only to get " Part of all of your complaint can not be done because ... '' They are incorrect. They asked for more specific information regarding my dispute with a XXXX  XXXX XXXX XXXX, a XXXX XXXX XXXXXXXX record, a XXXX XXXX XXXX, a XXXX XXXX, A XXXX Record and a XXXX  Record and I detailed my reasons why these should be under dispute, but they deny it each time. 

I have been sent document after document about being a data breach victim, going back to 2008 and everything I had, I sent them. Recently, I was a fraud victim involving an Unemployment filing in my name in which I was directed and DID file with the FBI, but I was directed to give a voice statement and have no record of that. 

I want these accounts disputed as I wished, again, properly

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 2018-04-18
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 status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXTRANSUNION RE : XXXX XXXX XXXXXXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or " suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.

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 2021-04-12
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is attempting to collect a debt that has already been collected by another company for this vendor. I have attempted to send them multiple verification letters and they have yet to respond

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 2018-12-05
Company: Experian Information Solutions Inc.
State: WI
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 Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This item was to be deleted from my report. My submission to the CFPB was apporved for this item to be deleted and to date it has not been deleted.

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 2019-05-29
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and noticed this collection. When I attempted to contact the creditor and collection agency I was told this debt was for my daughter and they attempted to contact me via phone 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C System is continuously reporting a debt to my credit report that isn't owed to them. In my previous complaint, I asked them to cease and desist communication as well as delete this debt from my credit reports as I will handle this matter directly with the original creditor. 

I received a letter from I C System dated XX/XX/2020 stating that they are terminating all collection efforts but they are still reporting this account to my credit reports. 

The letter also states that XXXX XXXX hospital is both the original and current creditor. Well if that's so then why is it being reported on my credit file by I C System and not by XXXX XXXX XXXX in which I do not owe them either.

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 2021-04-12
Company: CCS Financial Services, Inc.
State: CA
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:
CREDIT COLLECTION SERVICE at XXXX XXXX XXXX XXXX, MAXXXX. Put the amount of {$290.00} dollar. The collection has been reported as past due balance collection. I dont know this company I have never done business with this company. This company does not have contract with my my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: VA
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 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the XXXX  that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY ID, AND A UTILITY BILL FOR FURTHER VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please see complaint ID XXXX submitted on XX/XX/2020. Fifth third bank responded to the complaint but the response did NOT address the Regulation B violation. Their flagrant violation cost us {$3000.00} in additional costs to put on our roof due to their delay. Fifth third was required to make a lending decision within 30 days of receiving a complete loan application. They did not. We want to know why.We want an explanation. Were not looking for them to acknowledge our frustration. We want to know why they violated regulation B.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Razor Capital, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX I requested a {$1200.00} payday advance against my direct deposit from XXXX XXXX XXXX XXXX in XXXX , GA. When my paycheck deposited, it was not enough to cover the amount and I was also facing eviction. The bank took monies that were available at that time, and I was to pay the balance. 
Subsequently, Spring XXXX, I was notified to appear in XXXX County court for the remaining balance, which was aprox {$1200.00} with court cost and filing fees. I was contacted by the XXXX XXXX representative to set up my direct payment arrangement. Shortly after I was contacted and informed that I would receive information regarding my payday loan, as XXXX XXXX was not authorized to perform payday lending in Georgia. 

Until i received a letter ( attached ) on XX/XX/XXXX did I recall this situation, nor received any follow communication since XXXX. It has not been appearing on my credit files, but I've been notified of garnishment notice sent to my employer in the amount of {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion deleted an account off my credit report and added it back. under FCRA section Part ( A ) ( 5 ) ( B ) ( ii ) if the credit bureaus re-insert a removed item from your credit report without notifying you in writing with 5 business days they can be sued for consumer protection afforded by the FCRA for {$1000.00} They also re-aged the date of last activity on this account and under FCRA 605 ( C ) running of the period, this is an FCRA violation also punishable by {$1000.00} in fines

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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 Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$830.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.

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 2018-02-26
Company: EQUIFAX, 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 status incorrect

Complaint:
I am attaching a section of my credit report which shows my two XXXX XXXX XXXX auto loans from XX/XX/2005. The account numbers on my credit are # XXXX and # XXXX. I am filing this complaint because the credit bureau is incorrectly reporting that these accounts were past due and at one point, a " redeemed repossession ''. This information is not accurate. These accounts were paid in full years ago but I was never past due on them and they were never repossessed. I do not understand why they are reporting this negative information. I have been disputing these mistakes with the credit bureau for over two years, going back and forth with documentation showing that they were never late. The only responses I have received are that the information has been " verified '' and they will not update this account. I can't take this anymore and I need the assistance of the Consumer Financial Protection Bureau to help me with my issue. I have my old statements to show these loans were never late or repossessed but more than that, I called XXXX XXXX and their own representatives have confirmed to me my accounts were never negative. This is what puzzles me. How is it possible for the credit bureau to come back and say the negative information is accurate when the original creditor itself, XXXX XXXX, is telling me otherwise. This is the reason I am filing this complaint. Their negligence and refusal to help me fix this issue will no longer continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been struggling making payments for this loan for three months. I have been trying to get in touch with someone at American Education Services to fix this so I could get the loan out of delinquency and get on a better payment plan that I can afford. They always would tell me that I need to fill out financial information papers that they didn't have on hand and would print and send out. They told me it would take 10-14 days to arrive. A whole month has passed and it still has not come to my mail, which i check everyday. They have given me a hard time every time I call and ask for the papers and many employees give different answers from the others. This is going to ruin my credit as well my cosigners credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX approximately XXXX I spoke with XXXX XXXX and XXXX XXXX ( Who stated that she was the Transunion 's supervisor of the fraud division ). I advised both that I had several inquiries on my credit file that I did not authorize. XXXX stated that transunion does not control what is reported on the credit file and that all inquiries are facts and the creditor has permissible purpose. I advised her that the creditors do not have my written authorization and I wanted a dispute of inquiries filed in order to get the inquiries deleted.The creditors in question are not required to provide transunion the authorization records is what I was told. They are committing an illegal act and violating my FCRA rights by refusing to investigate and remove inaccurate information. I provided the credit bureau with the police report information and item numbers back in XXXX of XXXX stating that I was a victim of Identity Fraud twice. 1 of the police report item numbers mentioned is XXXX. The inquiries in reference are : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX & XXXX XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX  - XXXX XXXX XXXX/XXXX - XXXX XXXX XXXX/XXXX - 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 2020-05-27
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Unknown to me, I have been charged a debt protection percentage on all purchases through my Best Buy Credit card. Originally I signed up for the card in 2008. Later I was told i would receive a new card that could be used any where visa was used. I did not sign up for this. i have continued over the years to make large purchases and set up autobilling only with Best Buy to pay off purchases before the promotional no interest ran out. What I did not see, because it is at the very bottom of the statement, which I have not been sent for years ( also which i did not request ) is that they had signed me up for percentage debt protection program. I absolutely did not sign up for this and they said i have been enrolled since 2008. I remember when I enrolled it was through a keypad in store that the employee filled in. I believe they added this service without my knowledge costing me hundreds of dollars over the years without my knowledge. They have now told me my acccount is in review for refund and it will take 30 days for them to respond to my request.

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: Aqua Finance, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I could not submit a complaint with XXXX it would not submit my complaint about aqua finance for the amount of {$7200.00} total payback the original loan amount was for {$6000.00} dollars, date of loan XX/XX/2012. Loan type : installment sales contract which is used for purchasing machinery or large equipment so I would like a copy of a deposit to my bank account for that amount or a copy of a cashed check, a copy of a invoice or title copy for any machinery or large equipment that a installments sales contract is used for, and I would like a copy of this installment sales contract and a deletion of this false record by aqua finance or they made some terrible mistake, but it is a defamation of  character to my credit record so can you help furnish proof of all the records I'm requesting?

Company response to consumer: Closed with explanation