BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company XXXX XXXXXXXX XXXX still wants to show up on my credit report for account opened in XXXX & should not be reporting anymore after receiving all payment in full of {$41000.00} original amount owed in XXXX they are claiming some {$100.00} fee I owed since XXXX & claims I settled XXXX but never settled anything, company took upon there self to settle outside my knowledge & personally using this against my credit report to destroy my credibility ask that this company be investigated with how they can take action with no acknowledgement from other party which in turn has my credibility paying the price, this is an illegal act that should not go on. This account should be removed immediately from my credit report without any delay.

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 2019-01-31
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: Information belongs to someone else

Complaint:
I have 2 issues with Experian and XXXX. First, I have reported several times to Experian and XXXX  that my identity was stolen and that I had reported this previously to the CFPB. I reported to them online and by telephone and they still have shared my personal information to creditors that do not belong to me, as before, the creditors did not have my home address and was able to look into my credit file and obtain my personal information. I have also reported to Experian and XXXX  that the creditor, XXXX XXXX XXXX, in the amount of {$850.00}, that is currently listed on my credit report, does not belong to me and is fraudulent. I also reported to Experian and XXXX  that this account is the 2nd time it showed up on my account and was sold to them by the original creditor named XXXX XXXX XXXX XXXX after it was taken off my credit report the first time. I have filed an identity stolen profile with the CFPB. I would like for Experian and XXXX  to remove this fraudulent account from 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 non-monetary relief
Consumer complaint received 2019-04-26
Company: ERC
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:
This is EXTREMLY Old, and incorrect information. The orignal company I BELEIVE was XXXX XXXX. Which when I left that company it was in XXXX I beleive. Why on earth they are reporting this in XXXX is beyond me. I do not acknowledge owing them this debt as my bill was paid in full when I moved and all equipment was returned in perfect condition to them at the time I cancelled the service. So I can not imagine what it is even for. I have contacted the company by phone and been given the run around and never gotton any resolution at all. I have written letters and never gotton any responce. It is past time for this to be removed from my credit if they can not even be bothered to respond to inquiries about it and I think the limit for it to be on my credit at all is up at any rate. 

ENHANCED RECOVERY COMPAN Reported :XX/XX/XXXX OpenedXX/XX/XXXX ( 1 yr, 3 mos ) ( this was most DEFINATELY NOT opened in XXXX ) Account status Open Type Collection Account Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle from US Auto Sales that was financed through US Auto Finance Servicing in XX/XX/XXXX. The company closed the business leaving all customers including myself scrambling for answers about the statuses of our accounts. I put a down payment of XXXX on the vehicle and made the payments on the contract bi-weekly as promised. The original contract had my name mispelled and I advised them of this the day I signed it and they told me not to worry about it. In XXXX of XXXX I went to make a payment and US Auto Finance Servicing 's number was disconnected and calls were forwarded to a company called Westlake who advised they were just a debt collector and they were collecting payments on US Auto Finance 's behalf. I had not received anything in writing via mail or email so I thought this was some type of scam. Westlake informed me they did not have my correct email address because my name was mispelled and they didn't have my title, or any record of any payments made to US Auto Finance so they were attempting to collect the full amount of the car that was shown back in XX/XX/XXXX that I had already paid on. I have been threatened about my car being repossessed if I don't pay an incorrect amount for the vehicle. Both of these companies are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: FL
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:
I have 7 inquires on my Experian report, that i did not authorize. I have sent disputes to the companies and the credit Bureaus many of times, they still refuse to remove them. these inquires are not attached to any accounts.they are making it very hard to get credit. it is causing me to be decline everytime I apply. these are the inquiry Dates below. 

Capital XXXX- XX/XX/XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- 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 non-monetary relief
Consumer complaint received 2019-04-26
Company: Lewis, McDonnell & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company called my job today, XX/XX/2019 they did NOT ask to speak with me. They asked for my supervisor and informed her that a deputy was on his way to arrest me and serve me with legal documents. My supervisor gave me the information. I called the company ( XXXX ) XXXX and they refused to identify themselves. Just repeated over and over that they were on their way to my job and I had 1 hour to give them my payment information.I asked them why were they calling my job and telling my supervisor lies. I was informed that I should've paid my debts and they did a background check on me and that's why they're coming to my job. I told them that I believed they were a scam, because they wouldn't identify themselves and they could've easily got my home address and my personal phone number, IF they indeed do a background check. The guy then got very hostile and told me that I was going to jail. I repeated over and over that I had 1 hour to pay and hung up the phone. Instead they're trying to bully and embarrass me by telling lies to my supervisor. I informed my supervisor that it was a scam and she said she was happy. The damage is already done!

Company response to consumer: Untimely response
Consumer complaint received 2023-03-24
Company: GOLDMAN SACHS BANK USA
State: IN
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, this creditors have violated my right. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 inaccurate. 15 U.S Code 1681e- A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). The IRS states that charge-offs are considered Income and income should not be reported under a consumer report. 
Besides this creditor is committing fraud by reporting the negative charge-off on my consumer report. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Employment incorrect, Not employed with XXXX XXXX XXXX  Address incorrect XXXX XXXX XXXX, XXXX never lived here Address incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX never lived here XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Trans union , XXXX  , XXXX I have written each bureau and no response or action taken to correct fraud. 
I have filed police reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX : {$28000.00}

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 2023-03-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to get this Late off my credit report for months. I have sent in XXXX disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it. 
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The financing associated with students education is part of their records and should be maintained private according to this law. I did not opt in at any time for the bureaus to report my student education records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: Earm LLC
State: WA
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:
XXXX XXXX if this is you please press one now or hold for message my name is XXXX XXXX calling with MAC we're calling in regards to a return payment on your account if we do not hear from you your account will be flagged is unresponsive we wish to make a decision on your file today however without your input the account in question will be labeled as a refusal and paperwork will be filed in your county please call us immediately to discuss this case you can either press one now or the phone number that you can use to reach your case manager is XXXX again that is XXXX thank you

Company response to consumer: Untimely response
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and Transunion are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number ****XXXX  and ****XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon reviewing my credit report i noticed TWO DUPLICATE accounts that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? XXXX XXXX XXXX needs to IMMEDIATELY furnish me with a medical release form or remove these accounts. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: MD
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. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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 an 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 U.S.C. 1681s-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 inaccurate.

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 2021-11-12
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i purchase items over the internet and was pay with my master card true Pay Pal the items come all destroid and contact pay pal and they said to send the product back also to send photos copy of invoice and i did i spend almost {$60.00} dollars to send the products back, i did send everything i have to pay pal and later they said they not going to aprove reinburstment bucause i did not send the invoices and photos wich i did so i dont know what to do i lost {$100.00} on the purchse and {$44.00} to send them back please help me, thank you XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: MARINER FINANCE, LLC
State: NJ
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:
My loan with Mariner Finance was paid in full on XX/XX/19. All 3 credit reporting agencies had my loan as paid in full on XX/XX/19. Then all of the sudden on XX/XX/19 my loan balance was put back onto my credit reports with XXXX and XXXX and XXXX negative comment added. How can Mariner Finance add my loan back onto my credit report when it is paid in full? My score dropped over 30 points on both credit reports. I need it fixed by XX/XX/19 so that I can buy a car!! I should not have to deal with all this stress!!!

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 2023-10-01
Company: The CBE Group, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unlawful to willingly share incorrect information with credit bureau without authorization or consent, please remove from my report immediately. Information as such will tarnish my image with other potentials

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hi, Someone opened the account on my name in XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX NV XXXX and also I am got so many credit cards from different big banks on my name mailed to my address I never applied for those. But I am resident of XXXX never opened any account with that bank .I also did police report in the local police station for identity theft. This is happening with me from last XXXX. I tried to contact the bank but now they took some action after so many tries. Someone used that XXXX XXXX XXXX XXXX to take loan and use credit card which the never paid. I came to know about this through my credit karma application. So all the activities related to the XXXX XXXX XXXX impacting my credit score and my credit record. Can you please help me how can I fix this.

Company response to consumer: Closed with explanation