BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

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 2020-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went with my fiance to a car dealership and got a truck the next day he contacted the same person who wrote up my deal and got a truck for himself but in my name without my knowledge. He than got the truck repoed but it is now stuck on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: ERC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 I received a collection notice from ERC. The notice states that I owe XXXX for services from XXXX XXXX ( XXXX ). I didn't understand how this was possible because we have automated bill pay and have for years. We never received a late statement or anything from XXXX and we still to this day have services from XXXX. I called XXXX and a representative and a supervisor both looked at my account and said I didn't have any outstanding balance at all. They even looked back 5 plus years. I have excellent credit and I will not have this reflect negatively on my credit rating. If it should I will take legal steps to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fair Collections and outsourcing agency have sent letter to me attempting to collect a debt that is not owned by me. I have notified them and let them know they are a third party attempting to collect a fraudulent debt. I have sent them a copy of FTC report. I am by no means going to tolerate them bullying me into taking responsibility of debt that is not owed by me. I have told them to seise all communication and attempts to collect debt not owned or I will take legal action against them. This collection agency is in complete violation of Fair Debt Collection Practices Act.

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 2017-07-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXX was the last year of activity on this account. Equifax and XXXX have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. XXXX shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: TX
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 have submitted 4 complaints to Equifax and to have XXXX XXXX XXXX XXXX removed from my credit. I sent them a police report and a FTC document showing that the account was fraud. After 4 disputes they still have it on my report and just tell me to dispute again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: TX
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:
Submitted dispute regarding XXXX account on 3 separate occasions. Experian allegedly verified it each time. This account was to be removed from my report due to a settlement agreement with the attorney generals office. 
XXXX removed the account from both XXXX XXXX XXXX XXXX there would be no way it would be verfied with Experian. I want proof in writing that XXXX specifically instructed Experian to keep reporting it as accurate. 
I am incurring damages as a direct result of Experian violations and failure to maintain procedures to ensure maximum possible accuracy.

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 2018-01-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/XXXX I signed up with XXXX XXXX, a company that 's affiliated with Equifax to monitor your credit. I am a victim of Identity Theft and this monitoring product allows you to lock and unlock your credit file. On XX/XX/XXXX I tried to unlock my file to get my credit reports. There was an error message that read " Temporarily unavailable ''. Since it was XXXX I had to wait to speak with a Customer Representative. On the XX/XX/XXXX I tried to unlock my credit file again, but this time the error message was " Request failed ''. It has been reporting that error ever since the XX/XX/XXXX. I  contacted XXXX XXXX and informed them of the error message. They told me that I had a Security Freeze and I needed to speak with the Freeze department. I was connected and after speaking with them, I was informed that I do n't have a Freeze that it 's an issue with XXXX XXXX. I called back and spoke with another Rep who basically told me the exact same thing that I had a freeze and there was nothing that XXXX XXXX could do about it. They told me they would escalate it the IT department and I would receive a phone call in 24 to 48 hours. I never received a call. I called back on the XX/XX/XXXX and spoke with a supervisor that assured me that the problem would be fixed in 24 hours. It NEVER was or has been. I have been dealing with this since XX/XX/XXXX. I asked how long it would be to fix the problem and a supervisor told me that she did n't have time frame of when it would be fixed. This has caused major problems for me. I am trying to buy a house, but the Mortgage company is unable to pull my Equifax Credit Report. I think it is totally unacceptable for a company to be able to do this to consumers without any explanation and with no regard for how this would affect their lives. I went to Equifax because i thought it would hep me, instead it has only hurt me. Until this day, XX/XX/XXXX my Equifax Credit file remains Locked and no one seems to know what 's going on or how to fix it. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: IN
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:
This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. XXXX assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Bread Financial Holdings, Inc.
State: MI
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:
Whomever that was over my case purposely deleted everything that was good on my credit report and left everything derogatory at the worst time when I'm trying to purchase a home after having a fire XX/XX/2020. 

I asked that a Bankruptcy of XXXX 1/2 Years Ago & a XXXX Year Old Child Support be validated and removed. I spoke with the The Local Bankruptcy Court & The Friend of the Court. They Stated that they do not report to the Credit Repair Agencies and they both recommend that I dispute the errors. I asked That XXXX explained how did they Verify these. 

I also have a Derogatory from XXXX XXXX who's debt I've settled with the courts. I called & explained my situation They asked me to dispute the matter which I did and it also still remains. 

I also asked they validate several old lates that I had in question with my XXXX Balance Credit card Companies of 8 & 5 Years and both of those where Deleted resulting in a 45 Point Drop. The Same was asked of with several lates on my Vehicles with XXXX XXXX XXXX. 

This credit nightmare was just made worse by someone who completely dropped the ball at XXXX. I am completely outraged over this lack of efficiency. If we can't count on the reporting agencies to fix errors then who???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: NY
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 have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started re modification process through XXXX XXXX XXXX. My lender is : RUSHMORE LOAN MANAGEMENT SERVICES XXXX. XXXX XXXX XXXX, CA XXXX TEL XXXX, FAX XXXX LOAN OFFICER : XXXX XXXX LOAN # XXXX The problem I am having with them is that the re modification is taking for ever, they asked for all sort of documents, when sent to them they denied it was not seen, when resent they wait for a while and request for the same documents after confirming the documents were received. I am suspecting they are wasting time so that they can be able to foreclose my house. I was behind because I lost my job and I got a full time job now. My wife has a XXXX XXXX since XXXX it is only me that is working in my household. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and USAA Savings Bank and XXXX. The Account Opened is USAA Savings Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is USAA Savings Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/21 I submitted a dispute to the bureaus. The companies have not looked into my dispute whatsoever and it has been over 30 days. You guys are in violation of the FCRA pursuant 15 USC 1681i. Please remove these items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX, XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose.

i am trying to send them a debt validation letter, along with a copy of my current UCC1 financing statement, which should compel them by law to erase any delinquencies. I am ultimately seeking to open a  secured credit card with my new credit union and that can not happen if experian continues to evade receiving my documents. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose.

i am trying to send them a debt validation letter, along with a copy of my current XXXX financing statement, which should compel them by law to erase any  delinquencies. I am ultimately seeking to open a secured credit card with my new credit union and that can not happen if XXXX continues to evade receiving my documents. 
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 2021-03-24
Company: OneMain Finance Corporation
State: VA
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:
There are several inquiries on my report that I do not recognize. I am certain this is fraud related as I have already put a security freeze on one of my reports from the credit bureau in hopes to stop this from happening over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXX XXXX hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. XXXX XXXX continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called XXXX XXXX, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with 3 people at XXXX XXXX and 1 person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at XXXX XXXX responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all 3 bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.

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 2017-07-28
Company: Innovate Managed Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We just received a bill stating that we have not paid them in four months ( false ). We have been paying our agreed loan payments, and we have also notified them when we have had to make repairs ( for example : replace steering column ( purchased for {$85.00} at salvage yard. I also had to spend {$84.00} on renting a XXXX track to transport the part from the salvage yard to the repair facility, and {$200.00} for the mechanic 's labor ). In addition, I have also had to replace the starter ( {$45.00} for a part from an online parts house ... .a delivery that was delaved for two weeks, plus {$100.00} labor ). On the latter, I lost two weeks of work as a result ). Along with that, I had to pay {$150.00} to install a horn to bring the car up to state standards. We want our bill readjusted to reflect payments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
-Original loan amount XXXX -current payoff XXXX -Payments made since 2002 total XXXX -Applied to principal since 2002=XXXX -Applied to interest since 2002=XXXX -Interest rate 7.625 % I have called several times throughout the years to have the above explained to me. I could never get a straight answer. Took a 1 year forbearance in 15 years and it was blamed on that. Also told that in order to make headway I would need to pay before the due date each month, moving my payments up earlier and earlier each month. Something does n't seem right about that. One should be able to pay off their loan paying on the due date each month. However, I have done that and still only paid off a fraction of my loan. I have never made a payment that did not arrive on the due date or before. Monies applied to interest each month do n't seem to make sense. I would like answers. I want to know why money applied to principal is not reflected in my current payoff amount. I want to know in writing how they are calculating interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago :

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