BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: Verisk Analytics 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: Investigation took more than 30 days

Complaint:
In XXXX of XXXX I noticed that Bankruptcies ( 3 ) were being reported on my credit reports. I contacted each crediting agency and disputed these incorrect negative items that XXXX - XXXX XXXX XXXX XXXX and other credit reporting bureaus were reporting on their accounts that they held under my name & social security number. I was informed of that this information of these 3 negative items was being reported to these credit reporting bureaus by this company called LCI Consumer Center whom is owned or affiliated with Verisk Analytics / XXXX XXXX LCI . I was told that I could contact them for my report that they held, to get a credit report freeze & to dispute all incorrect negative information they had on me under my social security number. I sent a Certified USPS Postal Service letter to dispute these incorrect negative items from US BANKRUPTCY COURTXXXX of Bankruptcies ( Dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) that they were reporting on me to these credit bureaus on XX/XX/XXXX USPS Tracking # XXXX & a LCI Consumer Center Repersentative Signed for the letter on XX/XX/XXXX XXXX XXXX. After that I didnt not receive any response to my letter what so ever or my phone calls to there contact number ( XXXX ) where I left more messages than I could count to no response what so ever. I wrote a second letter on XX/XX/XXXX USPS Tracking # XXXX after more than 30 days had pass & even more tha 45 days had passed with NO reply to any thing ( My Calls or My Letter )!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Dear Customer Relations at ALLY FINANCIAL This letter is in reference to a late payment with the account number XXXX. 

XXXX of 2015 Payment History & Payment Status to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills. 
I have since gotten back on my feet and brought my account up to date with your company. 
I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 

Sincerely, 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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 a credit card with XXXX XXXX XXXX  Ive had that credit card for almost 10 years now Ive never been late Ive always paid it off Ive been unwell call the credit card company let them know I wasnt going to be on time but Id be making a big {$500.00} payment on a {$700.00} balance in a couple of weeks they said fine I called and made my {$500.00} payment they reported me late the credit bureau took 180 points off my credit score its absolutely exorbitant amount to be taking off a credit score for one late I called the credit card companyAnd they told me no one would told me that because its a prepaid card that I got years and years and years ago I can not have my credit score go down that much this is unfair

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 2019-08-10
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The debt is past the statute of limitations. The company : Jefferson Capital Systems , LLC XXXX XXXX, MN XXXX Also XXXX XXXX in XXXX : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, IL XXXX Another XXXX XXXX in XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX After the debt was removed from my credit report due to it being past the statute of limitations which completed on XX/XX/2019. They send me a validation letter that is postmarked XX/XX/XXXX, yet the letter is dated XX/XX/2019. 

First, this letter needs to be sent within the first 5 days, not after the debt was removed from my credit report. 

Second, they purposely dated the letter XX/XX/2019 in order to try and deny me my full 30 days to dispute or request validation. 

Within the letter, they indicate they will sue to obtain a judgment on a debt removed from my credit report based on the statute of limitations. They claim they can garnish wages make a report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX I went to a clinic that was outside of my medical insurance network and unknowingly they charged me a copay. When I presented the receptionist with my insurance card she assured me that They were in my insurance network which was deceptive and misleading. This debt has been ruining my credit making it hard for me to get a job or bank credit cards I reconciled this bill already with the medical company. Please help me to remove this debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Bread Financial 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I received a letter from a company, Comenity Capital Bank, stating that a XXXX XXXX credit card account revealed potential security concerns and/or irregular credit card transactions. ( see attached ). I immediately called the company Comenity Capital Bank and informed them that I do not have a XXXX XXXX credit card and never have and that my name is not the same as on the account listed on the letter and they stated that they would investigate for fraud. In a few weeks following this, I then started receiving harrassing phone calls from the same company, Comenity Capital Bank, at least once a week stating that I needed to pay this balance. I each time told the company that this was NOT MY ACCOUNT and I did not have a XXXX XXXX credit card and even spoke with somone in their fraud department to verify that the name and the ss # on the account was NOT mine ... so they said they would stop calling me. I few weeks later I began recieving calls from Comenity Capital Bank again threatening me with financial penalties if I did not pay the balance, in which I again told them that this was not my account and verifed the ss # and name on the account was not me. On week of XX/XX/XXXX I received an alert on my credit report that my credit score had decreased so I reviewed my credit report and saw that XXXX XXXX had put an uncollected debt on my credit report for over 3,500.00 so I started the dispute process with XXXX. I have attempted to call Comenity Capital Bank and have them remove this collection from my credit reports but can not get through. I am contacting all 3 credit bureaus to have this claim removed from my credit report as it is not my account and even has an incorrect name listed on my credit report and has caused my credit score to decrease by 50 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
HSBC decided that all customers would be forced into taking electronic statements. 
There was no warning period. They just stopped. I received no emails that a bill was due. Nor did I opt in for electronic billing. 
My account went into non payment and late fees began occurring. 
Then they tell me they refuse to remove the fees. 
They tell me that its all my fault. 
I request to place the account in dispute, over late fees. 
They put the account in fraud mode and immediately closed it. 
I have contacted them multiple times and continue to be ignored. 
I have not received a bill in several months and do not agree with the charges, but Hsbc is doing nothing to remedy the problem. 
How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On or about XXXX/XXXX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went unanswered. 

XXXX XXXX Please remove this file 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 explanation
Consumer complaint received 2019-08-10
Company: Revenue Enterprises, LLC
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The first one is for the year XXXX and the second one is for the year XXXX. I had insurance for both of these but im not sure if my insurance was filled correctly to cover these medical items. The XXXX items amount was {$1800.00} and the XXXX item the amount is {$2400.00}. I set up payment for both of these and i have not seen any of the amounts going down in the amount. I have talked to these people and they have told me that i have to pay the interest down first well that is not even going down on the amount either. I set this up so they would not garnish my paychecks i cant have the garnisment cause im barely making it now cause i had to buy myself another new used car so i can drive to work. They have filed a XXXX Judgement on both items. I feel that i should be getting most of these items paid off but they just keep staying at the same amount i owe and no improvement. I just want this to improve soon. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regard : Account Number XXXX, and Account Number XXXX ( Consolidated ) Hi Dear Sir/Madam, 1. The lease of the XXXX Kia XXXX is INVALID.

2. Kia Motor Finance ( hereinafter " KMF '' ) knows the lease agreement of XX/XX/XXXX, is not valid. Please see my attached fax of XX/XX/XXXX, to KMF. 
3. However, KMF committed many crimes to enforce the invalid lease.

4. Furthermore, KMF reported fraudulent information to all the credit reporting agencies and severely damaged my

credit score. 5.
Therefore, KMF must withdraw all its fraudulent reporting to all the credit reporting agencies and others, if any.

6. Please see my attached documents that show KMF admitted the information in my faxes since before my XX/XX/XXXX, to KMF USA. 7. KMF never responded to my faxes or to my two cases against XXXX Kia of XXXX, Illinois. 
Furthermore, I have faxed my XX/XX/XXXX, settlement offer to KMF USA, and Kia Motors in XXXX XXXX XXXX as follows : A. On XX/XX/XXXX, KMF USA Repossession received my Partial Settlement Agreement and the Exhibit at XXXX ( XXXX ) XXXX. Please, see attachments. 
B. On XX/XX/XXXX, Kia Motors XXXX XXXX XXXX received my Partial Settlement Agreement and the Exhibit at XXXX. Please, see attachments. 
Note : XXXX and XXXX are also involved in damaging my scores because they did not give me the option to upload my documents, the attachments here, in my dispute against KMF furthermore, they do not give me a copy of the response of KMF, if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I have knowledge of. I went to the police and filed a police report report and an FTC report as well. 
I'd like you to help me resolve this issue, Thank you.

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 2020-05-17
Company: Experian Information Solutions Inc.
State: MO
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 been a victim of the dark web and the XXXX  data breach, in addition to losing my purse with all my personal information in it. My identity has been compromised beyond comprehension and that's not a good place nor feeling in such struggling times. I'm demanding that these accounts be removed and blocked from my credit data files. I've reported and requested information in regards to these accounts. Please remove the following accounts immediately. 

1 ) XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$1100.00} 4 ) XXXX XXXX XXXX {$61.00} 5 ) XXXX XXXX XXXX {$1.00} XXXX 6 ) XXXX XXXX {$120.00} 7 ) Chapter XXXX bankruptcy 8 ) XXXX XXXX XXXX XXXX   XXXX  9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) Dept of ED/ XXXX {$56000.00} 14 ) Dept of ED/ XXXX {$31000.00} 15 ) XXXX  {$5500.00} 16 ) XXXX   {$5000.00} 17 ) Dept of ED/ XXXX {$3200.00} 18 ) Dept of ED/ XXXX {$4200.00} 19 , ) Dept of ED/ XXXX {$1000.00} 20 ) XXXX XXXX   {$4800.00} 21 ) XXXX XXXX XXXX XXXX {$2600.00}

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 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I used TRANS UNION for a free once a year credit check and in doing so WITHOUT MY PERMISSION signed me up for a service at {$19.00} a month. I saw this on my statement and contacted my credit card to dispute charges I never authorized. I talked to a Trans Union representative who over the phone got all my personal information you need for identity theft to be able to stop charging for a service I never asked for. This is OUTRAGEOUS this is one of the main credit history agency 's that we should TRUST with our S.S.N, date of birth, passwords, address. I have seen the complaints other people have made addressing the same issue and expect the CFPB to do something about this!

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 2019-08-10
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX I paid off my debt that has now gone into collections. I have the receipt and they still put it on my credit report in collections. It caused my credit score to drop 60 points

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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 information incorrect

Complaint:
After reviewing my credit I noticed an account from XXXX XXXX XXXX original creditor is XXXX in the amount of {$1200.00}. I paid this account off in full and closed the account there is no balance owed.I sent letters to XXXX XXXX XXXX asking for proof that this is my account bearing my signature. They sent me letters stating the amount owed but no proof that this was my bill. I then sent XXXX, XXXX, and Equifax letters explaining that this must be a fraudulent account as my XXXX account was closed out and paid off. The credit bureaus sent me copies of my report and said the account was valid, again they did not verify my signature or show me proof of any purchases. This account was closed in good standing and had no balance owed when I closed it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, 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:
These all need to be verified for accuracy. This is the companys job to investigate their validity. My information was breached by several companies and these are not my inquiries. They need verified and if not verified, they need removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Portfolio America Asset Management, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates, LLC ( PRA ) verified the accuracy of the information regarding the PRA account ending in XXXX and the judgment and garnishment related thereto. PRA purchased the XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) XXXX XXXX credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$3700.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letter to you on or about XX/XX/XXXX. The PRA account ending in XXXX was placed with the law firm of XXXX XXXX XXXX ( XXXX ) on or about XX/XX/XXXX. XXXX filed suit against you on or about XX/XX/XXXX and obtained a judgment on the account. Correspondence and court records reflect that you were properly notified of the proceedings. Judgment on the account was obtained in Superior Court, XXXX County, California bearing case number XXXX. In response to your disputes, PRA previously sent you the attached letters containing a fraud/identity theft affidavit and instructions for its completion and return as well as account validation. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 
That is just one time!! There have been multiple times.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-10
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is from Midland funding for the amount 469 more or less this account has been open for years, and I been in and out of the hospital for serious contions. Someone has my info this is why I never made a payment on it. If you can please consider taking this of my acct I would gladly appreciate it. 
Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2019 all 3 credit reporting agencies, XXXX XXXX, Experion XXXX, XXXX  XXXX report to XXXX those credit scores when I pull FICO it show XXXX XXXX, XXXX XXXX, Experion XXXX, I maybe denial an equity line of credit because of this misrepresentation

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 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The following companies ran unauthorized credit report on me..At no time did I give them permission to inquiry about my credit status, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information 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