BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: CBC Companies, 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: Public record information inaccurate

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XX/XX/XXXX FACTUAL DATA by CBC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX : Disputing error on credit report dated XX/XX/XXXX required for XXXX XXXX Dear, FACTUAL DATA by CBC I am writing to request a correction of the following information that appears on my FACTUAL DATA by CBC consumer report : Dispute Account Number or other information to identify account : ..Creditor Account Number Owner. XXXX XXXX # XXXX. Reported XX/XX/XXXX. Last Payment : XX/XX/XXXX. Opened XX/XX/XXXX. Limit /Hc : XXXX. Balance XXXX. Past Due {$580.00}. Status Type Vendor : 30 Days late Home Equity Rev.EFX Dates associated with item being disputed. 
The report attached Exhibit A incorrectly shows the existence of a balance of a loan with the XXXX XXXXXXXX XXXX The truth is that both me and my wife XXXX XXXX had a loan XXXX # XXXX. Loan Date XXXX : Principal {$100.00} which was fully paid on time and date XX/XX/XXXX. As such, please see Exhibit B, attached document issue by XXXX XXXXXXXX XXXX that contain the pay off, original satisfaction of mortgage and Original Promissory Note. 
I made a loan application with XXXXXXXX XXXX on XX/XX/XXXX and the existence of the loan in question with the XXXX XXXXXXXX XXXX  is affecting my credit score negatively. 
As can be seen in the Credit Report I have not defaulted on my credit obligations, I have no past due debts, and it is unfair to keep this loan pending when it was fully paid on time. 



Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Riverwalk Financial Corporation
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:
I have tried to resolve this issue multiple times with no out come on my credit report 2 times shows my last payment in XX/XX/2017 which is clearly wrong and can not be on my report more then once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Kikoff Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened an account with Kikoff Lending that I know nothing about. I only know about it because it has made my XXXX XXXX drop over XXXX points. When you call kikoff, they have an answering machine that says to send them an email but no one responded to my email. The account is XXXX  days behind and it started in XXXX but I didn't notice it until it negatively effected my credit score. From what I can tell, it's only a {$24.00} debt. From what I read this company is supposed to help people with low credit improve their credit scores. All XXXX of my credit scores were over XXXX so I wouldn't have applied for that type of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX has violated several consumer protection laws. My employer received a garnishment letter from them and I have never received any communication from this company of any kind verbal or written. I have no idea who they really are if they are collecting on legitimate debt that I owe or if this is an error. Clear violation of FDCPA and CFPB for 3rd party company. I was Never given an attempt to validate the debt. And they have ordered my employer to withhold 15 % of my disposable income starting this week. I already have child support wage garnishments for half my income and cant afford to lose money to a company that I know for a debt that I dont even know for sure that I owe. Its deceptive and 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 2020-06-24
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: Account status incorrect

Complaint:
Home owners insurance policy renewal reflected increase in premium as a result of credit report from trans union however after checking with trans union my credit report is perfect as it has been for decades. They advised that XXXX XXXX XXXX. is using a third-party agency as they have no record of them checking. Many calls to Insurance company but they will not acknowledge the problem or make any attempt to fix the problem. Basically ignoring telling me to pay the higher premium or move on to another company.

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 2020-10-13
Company: I.C. System, Inc.
State: UT
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:
IC Systems accounts : XXXX XXXX XXXX IC systems is reporting a debt on my credit file that I do not owe. I am unaware of any debts that I owe them because I have been working with the hospital. I called the hospital and they assured me they would take the accounts out of collections and transfer it back to the hospital. This debt should have never been sent to collections, it is erroneous and needs to be removed.

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 2018-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
On XX/XX/2018 I called Capital One and spoke to XXXX ID # XXXX in regards of the late payment they put on my credit report for XXXX showing I was late. I have proof that I made a payment on the XX/XX/XXXX, 5 days before the actual due date which the XXXX of each month. XXXX stated that its reporting that way because of how their billing cycle are set up and from my previous late payment for XXXX and XXXX. Yes I was ate for XXXX and XXXX. However, I made my payment a few days later on XX/XX/2018 for {$730.00}. I have no control of how they run their billing cycles, but I do have control of my credit report. They are in violation of FRCA, and can only report valid information, nor can they penalize me for any previous late months. I have written the CEO twice and have proof of those letters also and contacted all 3 credit bureaus, and file complaint with XXXX. As I stated to them If this is not handled accordingly, the next step is to sue them for incorrect reporting. They can never give a valid reason to why they make their decisions and I am fed up at this point. I have witnessed many people who get these remarks removed which leaves them into discrimination. I have given them 30 days to respond. Its funny how the CEO can respond to these complaints but he has an executive team to handle his emails ... .. Below are several documents of my payments and evidence that they help who they want, and second letter to the CEO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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: Account status incorrect

Complaint:
Experian and XXXX are continuing to report duplicate account that have been paid in full and should not show on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a request for payment from Resurgent Capital Services for an unpaid credit card issued by XXXX in the fall of 2019. I have written the credit bureaus to dispute the amount of XXXX I have written and called the collection agency over 20 times in the last 8 months. I have provided proof of payment in the amount of {$99.00} that was cashed AFTER the account was closed and never subtracted from the balance. I have provided proof that the money order was cashed in XXXX 2019. I can not find the receipt XXXX money order ) for the XXXX so I paid it last month. My balance is now XXXX but they continue to not research, read the proof and correct this error of {$99.00} that was cashed in XXXX 2019. 
The last XXXX statement shows charged off on XXXX XX/XX/2019. But XXXX XXXX receipt is dated as cashed on / around XXXX XXXX, 2019 which was not returned to me or applied to the closed account. 
I have repeatedly asked the company for a correction. I refuse to pay what has already been paid. Is this fraud, greed or incompetence? I don't know but it is ridiculous and a lot of time has been spent on an obvious proven error. They have everything needed to fix this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXXXXXX XXXX XXXX  XXXX Creditor : XXXX XXXX XXXX A XXXX XXXX Balance : {$1400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} RXXXX 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

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 2018-08-20
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sunrise Credit Service is collecting for XXXX. When I first heard from them I asked them for information about whatever bill they were collecting for because I wasn't aware of any balance due. I asked them again and again for validation of the debt but their only focus was to collect the bill they claimed I owed. They hounded me and I caved in and paid when they said they wouldn't put it on my credit report if I paid it immediately. They put it on my credit report anyway and never would validate or clarify the 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 2018-08-20
Company: General Credit Service Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I was notified of a writ of garnishment by XXXX XXXX XXXX of XXXX Or. XXXX. I had just paid off and completed a garnishment so was confused as to why this was being garnished again as I do know that at the time of the original garnishment all fees need to be applied. When I contacted them I asked them about the debt. They informed me that the garnishment was from the remaining balance of a prior garnishment in 2001. ( this would be 17 years of interest on a small amount ). When asked why when I called previously to discuss the other garnishment and asked if there was any outstanding amounts owed I was told no. During the conversation with the representative when asked about consumer rights was informed that its optional for them to follow those guides. The Fair debt collection act and oregon law states 7 yrs and 10 yrs respective to collect on a debt. This is not the first time this has occured as the previous garnishment was also from over ten years ago. Additionally, when I pushed for the information on this 2001 garnishment I was informed that it was to far back to look up what the debt was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I try to do anything with their website ( currently trying to unfreeze our credit ). It says the website it experiencing difficulties. Try to call them and hold time is 30+. Told them about website but after a week still a problem. Extremely frustrating trying to get a mortgage or get credit opened. We are at their mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: GREAT LAKES
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was opened in XX/XX/XXXX. I want this deleted off my credit report immediately. Great Lakes sod this debt to the United States Department of Education. I paid this debt in FULL including all fees XX/XX/XXXX. As of today XX/XX/XXXX it is still showing on my credit report. In addition this shows as two separate negative items because Great Lakes is listed and US Department of Education. I have been denied new lines of credit more than 8 different times due to this false report. This is impacting my credit score negatively. It is not rising even though the debt was paid 19 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have met the following requirements on my mortgage : " PMI will automatically terminate on the earlier of the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' I have made all payments on time. I have included extra amounts with almost every payment. There is absolutely no reason why my PMI is not automatically canceled as it states it should be on the government website. 

XXXX XXXX now tells me that I need to pay for an overpriced appraisal. I have a small house, valued at {$70000.00}, but they demand that I pay {$630.00} ( the same amount someone with a {$900000.00} loan has to pay and 50 % higher than if I could use a local appraiser ) in order to remove PMI. 

So is the government website not accurate? The lady who answered when I called XXXX XXXX said it was only a suggestion ... So much for protecting the American Consumer. She also told me that I could find the " correct '' rules on the XXXX XXXX website. I asked specifically where, but she couldn't answer, and I couldn't find it on their website. 

I have done everything required of me and I should not have to pay a ransom ( a year 's worth of paying PMI ) in order to get the PMI canceled. 

I've met my obligations. I'm basically being penalized because I made extra payments and have been a good customer.

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 2019-05-23
Company: EQUIFAX, INC.
State: PA
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 had an outstanding bill of {$130.00} from an XXXX XXXX medical provider. The provider did not update my billing address at the time of service so the bill was sent to the incorrect address. I was not aware of the bill until after the item went to collections with XXXX XXXX XXXX and I received a direct phone call from the collections agency. I paid the bill immediately upon notification and extinguished the debt. 

As a result of XXXX XXXX clerical error I have a collections Derogatory Mark which is negatively impacting my credit score. I disputed the issue with Equifax and all they did was confirm that the debt was mine, which I don't dispute. I dispute the legality of the debt going to collections without being contacted. Equifax left the derogatory mark on my credit report and updated the dates associated with the extinguished debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A TREMENDOUS DROP IN MY CREDIT SCORE. I HAVE ABSOLUTELY NO IDEA OF WHO WOULD HAVE GAINED ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX/XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, GA XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX Experian : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : 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 non-monetary relief
Consumer complaint received 2018-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 want a reinvestigation into one of my disputes with the account XXXX XXXX. This item should not be on my credit report and would like another investigation to get it removed please.

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