BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: NC
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 Complaint is with The credit bureau and XXXX XXXX. Before XXXX repossessed my car. After they repossess my SUV they told me that they would take it of my credit report. Instead theyre reporting it every month as a close account causing me to lose anyway between XXXX points to XXXX points.. I call Equifax. Equifax did nothing to solve the problem. I have a daughter in college and I cant do nothing for her because XXXX XXXX is reporting on my credit report causing my scores to drop tremendously on all three credit accounts. Please help me with this injustice. Please help me so I can live my live again. Please 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
Consumer complaint received 2019-01-25
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: Account status incorrect

Complaint:
XXXX XXXX XXXX listed multiple 30/60/90/120/150 day late payment on my credit report from XX/XX/2015 to XX/XX/2015. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit 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 2021-08-20
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in each letter that was sent to you via certified mail, in which I have verifiable proof. The dates that I sent Equifax certified mail was XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 in which I have receipts. With each letter you have ignored my request and the federal law. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation in which you have failed to do. In fact it has been more than 120 days since I initially reached out to Equifax, directly for Equifax to conduct their investigation. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in each letter sent to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Spring Oaks Capital, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no clue what this is but someone used my identity for something. Now Im being harassed for it. XXXX  is no help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After multiple phone calls, letter and online disputes fraudulent inquires still are showing on my Credit Report and they need to be removed. See below for the items in reference.
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXXXXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry fromXX/XX/XXXX Transunion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from 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 explanation
Consumer complaint received 2019-01-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to submit a complaint regarding the unfair and abusive fees assessed to make a payment on the debt owed. The company is charging a {$5.00} fee to make a payment via debit or credit card. This fee is also assessed if making the payment for a medical debt via a health savings account. The fee is unreasonable as it does not reflect the cost to process a single credit card transaction, is not a fee associated with making the payment over the phone or for an expedited payment, and it is much higher than other merchants charge. I was only provided with an alternative to avoid the fee after I questioned why it would cost {$5.00} to pay my debt. After I refused to pay via credit card and accept the fee, the representative indicated that I could also pay by check to avoid the fee. I could still make the payment by phone but needed to provide full bank account details. Additionally, I would like to note when I was first contacted by the debt collector I was pressured to make a payment even though I stated multiple times that I did not know what the debt was and would like a debt validation letter.

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 2021-06-26
Company: Experian Information Solutions 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:
There are accounts listed on my credit report that do not belong to me. Additionally, there are inquiries in which I did not authorize. Please remove them immediately.

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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items 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 2017-12-08
Company: EQUIFAX, INC.
State: OH
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 multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. 
Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX XXXX 20 ) XXXX XXXX XXXX ) 21 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed seven number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX ( XXXX ). Date of inquiry, XX/XX/XXXX. 
3. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX. Date of inquiry, XX/XX/XXXX. 
5. XXXX  XXXX XXXX ( XXXX ). Date of inquiry, XXXX XXXX. 
6. XXXX XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 
7. XXXX XXXX. Date of inquiry, XX/XX/XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I started working with XXXX XXXX back in XX/XX/2018 I was told that if I made 7 payments of {$170.00} every 2 weeks then my loans would be completely discharged/wiped off my credit reports. That was a lie. 7 payments would have been a total of {$1200.00} but I actually paid {$2200.00} for a total of 13 payments. Nothing was taken off my credit reports. It states that I started working with them in XX/XX/2018. I called about everything and I was told " no that not true '' and " we have no records that payments were made '' I had to change my bank account information because they kept drafting my account. Everytime since I changed my bank account information they wont answer my calls or return my calls. And to this day it's still on my credit and they keep raising the interest rate on the loans. If something doesnt happen, I will switch companies. And please call me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MCM has not tried to resolve the issue in which I mailed certified US Certified mail and no response. When I call them its always the run around and there going to call back and never call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX listed multiple 30/60/90/120/150 day late payment on my credit report from XX/XX/2015 to XX/XX/2015. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60/90/120 day late payments from my credit 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 2020-06-05
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have a medical bill that is not mine and I want it off my credit report. They never received my permission to get medical help to whoever they gave it too. Not my account

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 2019-01-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving multiple, up to six times a day calls from a restricted number that is XXXX XXXX XXXX XXXX calling bout my past due credit card. I have asked them to stop calling considering they have called as early as XXXX, and the lady I just spoke to told me she is doing nothing wrong or against the law. I work in XXXX  and am well aware of the laws, and considering the times, restricted number, and the fact they refuse to stop calling me is all violations of debt collection practices by federal law. This debt is no so far past due it has been sent to collection agency. Just XXXX credit card collection department violating my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ocwen ( mortgage company ) - They neglected to pay the property tax that was escrowed which made me get a foreclosure notice from the City of XXXX for not paying property tax. The property tax was 2 separate times for around {$70.00}. Since Ocwen didn't make the payment the fine including property tax made the total come to {$630.00}. So I paid the {$630.00}. I then told Ocwen that I had to pay the amount. Ocwen then decided to paid an additional {$630.00} after Ocwen knew I made the payment. City of XXXX decided to send the {$630.00} that I paid to City of XXXX to Ocwen ( mortgage ). I told Ocwen they needed to return to me the {$630.00} and also since they caused the late fees that Ocwen should pay for it. They have refused to give me the money that I paid to City of XXXX. I never sent the {$630.00} to Ocwen. Ocwen refuses to refund the fees and penalities that they have cause me. I did not allow them to keep the {$630.00}. The payment was made to City of XXXX. Please get me back the {$630.00} that Ocwen stole from and also have them pay the late fees and penalities that were forced on me. The dates that I submitted the payment was in XX/XX/2018 and have repeatedly called them.

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 2018-10-09
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Honda Financial Services ( HFS ) is using coercive tactics to obtain payment of a bill that is not accurate. HFS sent threatening letter to coerce collection funds for a leased vehicle that was appropriately turned in and terminated 5 months prior to distribution of a bill by HFS. HFS states information was not received to close account through the mail, which is false ( information was mailed ). HFS acknowledged in subsequent letters that lease was terminated but needed documentation of registration termination or license plates turn-in -- license plate turn-in documentation was provided. When contacted through customer service representative ( XXXX on XXXX XXXX ), information was provided that a pro rata share of bill would only need to be paid. Such payment was made on XXXX XXXX. Documentation of payment and all other documents supporting closing the lease account were emailed to HFS service region at XXXX. Instead of responding to requests in email to ensure account was terminated after pro-rata payment was made, HFS on XXXX XXXX sent coercive letter stating balance was required even though period of the bill included time period that the leased vehicle was appropriately terminated and turned in and accepted as a turn-in by Honda.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was looking over my credit report & noticed some errors. I've misplaced my credit report since then and would like to receive another copy. I have attached my ID & SS card. My address is XXXX XXXX XXXX XXXX, Ohio 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 2019-01-25
Company: AMERICAN EXPRESS COMPANY
State: OH
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 opened a credit card with American Express on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Common Pleas Court case number XXXX XXXX XXXX ). 

I also opened a credit card with XXXX XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Municipal Court case number CVF XXXX ). 

I settled both cases that year and I have since paid the debts off completely. However, American Express and XXXX XXXX XXXX both continue to report these accounts negatively. The negative reporting is driving my credit score down and I need the information to be updated with the CRAs to reflect that these disputes have been settled and paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX/XXXX  XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX and Transunion. Please remove the 30 day late payments from my credit 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