BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
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:
On XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN OD.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX inquired on XXXX XXXX , XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a valid debt. yet it is showing on my credit report from Transunion, XXXX, and XXXX. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with XXXX and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with XXXX and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.

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 2022-08-14
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX sent a delinquent account that belongs to someone else to XXXX XXXX XXXX, a collection company, XXXX then reported the delinquent account to the credit agencies under my name. XXXX rejected the report as the name, address, social security are different than mine. However, Experian and XXXX did report the negative credit under my name. I contacted XXXX who admitted that the delinquent account belongs to another person but claimed that they reported it correctly and I needed to contact XXXX and Experian. I made multiple contacts with both agencies. XXXX did fix it, only to accept it again a month later. Experian said they completed their investigation and determined that it is me who owes the delinquent account, they provided no further details. I then contacted the original creditor, XXXX XXXX XXXX who admitted that the account belongs to XXXX XXXX and not me, however, they want me to get a copy of my XXXX death certificate before they close their account. I have no access to his death certificate as we are not related. In short, the 4 entities named above are destroying the credit that I worked so hard to establish and will do nothing to clear the issue.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$3800.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/2011 purchased 2006 XXXX from XXXX ... vehicle financed by santander consumer for 72 months..96 months later still paying for vehicle and santander says I have a balance of XXXX ... santander sent paperwork to me to modify loan to pay XXXX in 14 months ... amount financed by santander was XXXX XXXX total of payments XXXX ... .total sale price XXXX ... .i have paid santander over XXXX on a 2006 vehicle and they say I still owe XXXX ... I have bought a lot of vehicles and every vehicle was paid in full when the scheduled number of payments were made..do not feel I should pay santander another dime to get my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have 8 credit cards that falls under synchrony financial. Last year sadly to say I was laid off of my job that I had worked for 17 years, this made time a little hard but never the less I have never missed any of my credit card payment for none of my cards even cards that do not fall under synchrony. Synchrony has continued to run my credit reducing my credit limits to what the balances were until they were paid off and then closed the accounts. while I have continued to work hard to increase my score back up by snchrony continuing to reduce my limits to what the balances are, shows the credit reporting companies that my cards are maxed out, which they really are not. This drops my score and then when they close my accounts that also drops my score instead of my scores going up they are contributing to my scores going down. My score will not increase with the way they handle accounts.If I was ever late or not paying my bill that would be one thing but when I am faithfully making my monthly payments that is awful. This is not fair to consumers. I would rather close all my accounts and never do any business with another business that supports synchony. Instead of shopping XXXX I will show XXXX XXXX and etc. This is really bad business and really hurts there long loyal customers. And for the record my score did not drop because I do n't pay my bills its because I have to much credit and after my layoff I was only able to pay the minimum on most of my cards but now that I have started back working I have been working to get all my bills paid off so my score will increase back.

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 2020-02-26
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I previous sent out dispute letters for these following accounts XXXX XXXXXXXX XXXX, XXXX XXXX , XXXXXXXX XXXX , and XXXX giving each Bureau 30 days to verify these accounts that are inaccurate. They failed to positively verify these accounts and since complaints where made they decided to update my information which is not complying with the FCRA laws that states they must verify or delete. According to section 617 civil liability for negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. I ask this be removed or I will seek Litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Florida. I paid cash for the entire purchase price. I used the car for a number of years and recently attempted to sell the car only to find that there is a lien on the car through World Omni Financial Corporation, mailing address XXXX XXXX  XXXX, XXXX Alabama XXXX. This fact was confirmed when I went to my local Florida DMV office and received a screen shot of Active Liens ( See Attachment 1 ). I contacted XXXX XXXXXXXX at phone number XXXX and was told that had no active loan under my name or loan for the VIN number of my car and that they would clear the issue if I would send a fax to number XXXX. On XX/XX/XXXX I sent the fax ( See Attachment 2 ). Since XXXX is still listed as a lien holder on the title, I called on XX/XX/XXXX and spoke with XXXX and explained the problem. She told me she would release the lien on the title. I was grateful that I could now sell my car and asked if I could send a fax expressing my appreciation to XXXX 's boss ( See attachment 3 ). On XX/XX/XXXX I accessed the Florida Vehicle Information Check, XXXX is still listed as a lien holder ( see Attachment 4 ). Other attempts that I made to resolve this issue is to locate the original purchase agreement from eight years ago, unfortunately I can not locate it. I did not save a copy of the purchase agreement and the car dealership, XXXX XXXX XXXX XXXX, is no longer in business. I have reached out to the dealership 's successor with no response. My local DMV informed me that only XXXX can release the automobile lien. In over eight years, XXXX has never initiated any communicated with me either by phone or in mail regarding payments that have not been made. I have been told that they do not have records of a lien with me or records of an active lien with the VIN number I have provided. Why will XXXX not remove the inaccurate recording of the lien from the title?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Following a mortgage refinancing, Dovenmuehle erroneously debited my bank account on XX/XX/2020 for a payment XXXX {$2800.00} XXXX on the closed loan account ( # XXXX ). I immediately requested refund and confirmed my mailing address multiple times. Dovenmuehle stated the refund check was mailed on XXXX/XXXX/2020, but I never received it. I called every week to confirm that it was mailed, and I reported I had not received it. I was told that although they can see that the check was never cashed, they can not cancel it, and I needed to wait 30 days before another check could be issued. After 30 days I spoke with supervisors again on XXXX/XXXX/2020, who stated Dovenmuele will re-issue another check and mail it again -- the same method that failed last time -- and that if I do not receive it I will need to wait another 30 days. When I called today ( XX/XX/2020 ) I spoke with a supervisor ( XXXX  ) who told me they have directed an investigation to see if the check has cashed, and that I will have to wait for the results of that query before a check can be re-issued. Although Dovenmuele can automatically debit my account, they state they are unable to refund my money any other way. Every call is met with excuses, new process requirements, and inaction. My family is being punished for Dovenmuele 's mistake, and inability to overcome their own inflexible process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amcol Systems Inc. put a collection on my credit. 
They never contacted me or anything. They just put it on my credit. It only says medical. I don't have any outstanding medical debt. I have medical insurance. 
I have sent a validation request to this agency according to the Law of the FDCPA SEC. 809B Amcol has not responded. this has been going on for over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX I tried to remove a fraud alert on my file. It told me to call in. Upon calling I was told to mail a request including proof of address, identity, and social security number. This was mailed XXXX XXXX. As of today I still have not heard anything back from 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 non-monetary relief
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: NM
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 have freeze on my credit report at all three agencies. I am attempting to open a new bank account and they use Experian. My login did not work because my phone number has changed. In order to change my phone number they require that I mail them a letter with a bunch of identification information and someday they will send me via mail what I need to login. When I call Experian there is no possible way to speak to a real person. This is unreasonable. I now have to wait several weeks to gain access to my account so I can unfreeze the hold. The other two reporting agencies allowed me to do this online. How can a company hold that kind of power over me when I have not even granted them that power??

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 2019-04-24
Company: BBVA FINANCIAL CORPORATION
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:
Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " Compass Bank multiple times  everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " Compass Bank '' is reporting a false missed payment on my report. I called " Compass Bank '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of Compass Bank and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " Compass Bank again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " Compass Bank kept reversing my payments. The Creditor " Compass Bank is giving me a hard time, i am a single mother and this credit score is  affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ftc violations or fcra inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: CMRE Financial Services, Inc.
State: CA
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:
Towards the end of 2018 I paid a collection from CMRE FINANCE in the amount of {$120.00}. I though that the visit to the hopital was covered under my insurance which is why it was not paid in the first place. It was my understanding that if I paid the debt it would be removed from my report as a collection. It is still on there and CMRE has been incredibly unhelpful. I have called to ask if they could please remove, I would even pay a fee. However they refuse. This one collection is GREATLY affecting my life by preventing me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: IL
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 established a freeze on my Experian account in early XXXX. Now I am unable to do a temporary lift on the freeze online, despite the fact that I have my current password and pin, and I likewise can not successfully do so via the telephonic voice response system. Worse, I can not find a way to speak to a human being. So the only option offered by Experian is to mail in various verifications and then wait 10 business days. I need to access my credit now, and can't wait 10 days.

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