BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: CURO Intermediate Holdings
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX has reached out to me threatening to take me to court and such for a past due collection. i was going to pay the amount due in full when i realized theres no formal way to submit my information. i do not feel comfortable providing my banking information via email as the company requested. after doing my research, i learned that XXXX XXXX XXXX is a collection scam. they have threatens other in the state of Washington ( and probably everywhere else ) with 1. ) Violation of federal banking 2. ) Collateral check fraud 3. ) Theft by deception. i am now concerned about what to do from here on. i have requested verification of the person requesting my informations legitimate and legal licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has sent an email to on XXXX XXXX, XXXX, stating that the current dispute # XXXX investigation initiated on XXXX XXXX, XXXX is complete ; but apparently, the information has not been changed. The only way I am able to confirm what is currently reflected on my report is by reviewing the information on XXXX XXXX. The Equifax online investigation results site crashes whenever I attempt to log into it. Equifax customer service line is constantly busy or it answers and hangs up. Furthermore, Equifax has caused further harm to my credit score by recently reporting this loan as closed as of XXXX. This has caused other credit agencies to update my report showing the loan as recently closed, based on Equifax 's recent incorrect report. This has forced me to now open disputes with XXXX XXXX and XXXX. The XXXX information was reported correctly on XXXX XXXX and XXXX until the Equifax recent entry on my report that the loan is closed. Equifaxs failure to properly update my credit as a current loan with payment history for XXXX is causing me undue hardship and harm. I have been unable to refinance my mortgage due to this inaccuracy. 
I have previously requested that Equifax correct my credit file for this loan on the following dates and disputes filed : XXXX/XXXX/XXXX dispute # XXXX. Equifax reported the dispute as resolved on XXXX/XXXX/XXXX without correcting the information. Another dispute on this same matter was filed on XXXX/XXXX/XXXX. # XXXX. Equifax reported the dispute as resolved on XXXX/XXXX/XXXX without correcting the information. Another dispute on this same matter was filed on XXXX/XXXX/XXXX. # XXXX. Equifax reported the dispute as resolved over and over without correcting the information. I have filed at least three subsequent disputes with Equifax on this matter during the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received message from American Express and XXXX  that my credit has been reduced due to excessive inquires. I have not applied for credit with any source over the pass 18 months. I called XXXX XXXX  and requested they stop but they have run it daily Please assist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX 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 2022-09-15
Company: Convergent Resources, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX. Letter was sent to Convergent Outsourcing, asking for proof of validation on an account that allegedly claimed to be mine. No proper validation was provided compliant with the laws in place by the FCRA. 

XX/XX/XXXX. Another attempt was made to try to resolve this issue. No response was given. 

XX/XX/XXXX. Another attempt was made. No response. 

The fraudulent account remained. 

Convergent Outsourcing has violated my rights as a consumer by reporting false fraudulent information to credit reporting agencies

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 2023-08-31
Company: Affirm Holdings, Inc
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a one-time use charge card with Affirm, I was denied because of my credit history. This denial was based on a consumer report. I extended my personal information and social security card ( credit card ) in good faith that that would allow me to obtain this financing to purchase a laptop for school. I extended my credit to the company but received no benefit and no approval. This is a violation of the Equal Credit Opportunity Act which states that you can not deny a consumer access to credit for any reason. Credit is a right of all consumers, so you can not deny me access to it. I demand to be allowed to obtain financing through use of my credit so I can purchase the laptop I need for personal, family, and household uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CBC Companies, 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: Account status incorrect

Complaint:
In XX/XX/2021 XXXX XXXX XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is apart of the Capital One XXXX XXXX. I am a party of the settlement. This information was obtained in the course of the Data Breach by XXXX XXXX. XXXX XXXX is reporting and falsely claiming this credit transaction is a debt due. XXXX XXXX XXXX has provided documentation it may have obtained in the Capital One Data Breach. As this was a Secured Credit Transaction the amount claimed as owed is inaccurate and false. A deposit was required to obtain a extension of credit which was expressed that it covered any failed payments. In light of Capital One 's error to inform me, I made a uniformed decision on when I entered this consumer credit transaction. There is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. Capital One and XXXX XXXX XXXX are in violation of Title 15 Chapter 41, 15 USC 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: MN
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:
My XXXX credit card # : XXXX is lost/stolen.

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 2023-08-03
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a {$2500.00} charge ony is bank account on XX/XX/2022 I recently noticed The bank refuses to help me dispute or refund my money after being a long tem 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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1.DEPT OF EDXXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections.

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 2019-09-09
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Back in XX/XX/2017, Equifax discovered that their system was hacked, and that they disclosed millions of personal credit account information to the hackers. 
In XXXX of 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to {$420.00} XXXX t o help people affected by the dat a breach . Part of this settlement involves free credit Credit Monitoring and Identity Theft Protection Services. I emailed Equifax from my home PC and signed up for this, at least a month back if not more like 6 weeks but I have not heard back from Equifax since. I need to know what's going on with my inquiry/complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
This is my 7th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) there are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report 0 balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00XXXX XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX SERVICE XXXX Balance : {$3300.00} XXXX  XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX, XXXX, HAS REPRESENTED IN A LETTER THAT THIS ACCOUNT ( XXXX XXXX, XXXX XXXX ) HAS BEEN PAID IN FULL ON ALL ACCOUNTS TO INCLUDE : XXXX XXXX XXXX, AND XXXX XXXX. THESE CREDITORS ARE FALSELY REPORTING OPEN ACCOUNTS, WHEN THESE ACCOUNTS HAVE BEEN PAID IN FULL, AS EVIDENCED BY THE LETTER ATTACHED TO THESE DOCUMENTS, THAT SHOW THERE IS NO ACCOUNT OPEN. 

THESE CREDIT REPORTING AGENCIES CONTINUE TO SHOW AN OUTSTANDING AMOUNT ON MY CREDIT FOR A DEBT THAT IS PAID IN FULL. AS EVIDENCED BY THE SATISFACTION LETTER SHOWING OTHERWISE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
I had an auto loan through Bank of the West that was purchased by BMO bank. After a couple months of falling behind on my payments due to family hardship I realized that I needed to refinance or trade my truck in to lower the payments. The day I was going to trade the truck it was repossessed the night before. I contacted BMO and explained that I had a buyer willing to pay off the truck and asked for them to hold it 10 business days so the transaction could process. They said that were willing to work with me but when u had the dealership contact them for a final payoff amount they told the dealership that they would only take cash or debit card knowing the dealership would send a cashiers check. Im not understanding why if I made the trade a week before they would have taken the cashier check but now they wont. Im trying to avoid having this repo go on my credit and cause even further hardship. There has to be a solution as I have a way to pay the entire amount owed on the truck.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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 applied for a vehicule loan i was informed by the dealer that my credit would be shared with one credit company Unfortunately I never verified my credit score to realize that my credit was ran multiple time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 am not liable for this debt of {$1200.00} with XXXX XXXX  XXXX, Account number XXXX. i do not have a contract with XXXX XXXX  XXXX. i am also not liable for this debt of {$660.00} with CAPITAL ONE, Account number XXXX. i also do not have a contract with CAPITAL ONE. Per pursuant to 18 usc 8, i owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4. This company has not provided me with the original contact as i requested with my wet signature and ID verification. this is extremely effecting my credit report and is a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 applied for a vehicule loan i was informed by the dealer that my credit would be shared with one credit company Unfortunately I never verified my credit score to realize that my credit was ran multiple time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
I checked my credit report to find that XXXX XXXX XXXX is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 )  it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from XXXX XXXX XXXX to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three major credit bureaus, XXXX, XXXX and TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$970.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation