BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: CT
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:
Ive been trying to dispute information on my credit with Experian they keep replying back within one day of my dispute updated. I have never received proof or validation of account and will like my accounts removed as to showing my prove for XXXX XXXX and XXXX account paid off never late A collection for XXXX was never verified I was never giving proof or validation from creditor or credit bureau I feel like they not following the proper guidelines and are failing to do to proper investigation as to the fair credit act I will like validation from all my disputes immediately verifying validating these 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 explanation
Consumer complaint received 2023-05-17
Company: R & B Corporation of Virginia
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX, Equifax and XXXX, has violated my consumer rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Please review the credit reporting for my alleged account. This account was charged off and is still reporting monthly as a late payment. Thats in direct violation of the law. After 180 days of non payment this was charged off. Every month you state non payment. Can u provide proof that this is in conjunction with the FCRA. 

Ive been fighting this account for years and at this point can you remove it completely from my reports. It due come come off in less then 6 months. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 

XXXX XXXX XXXX esq

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amsher Collection Services has placed a frivolous debt on my credit reports that I do not owe them. I did not receive a Dunning Letter from this company before it was placed on my credit files. 

I have never heard of this company and have never done any type of business with this company. There is no contract with my wet ink signature that is binding me to this company in any way! 

Please see Attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: AES/PHEAA
State: MN
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:
Did not get correct exit information with loans. Had no idea that my loans had to be under a certain repayment plan for them to qualify for PLSF. This is a way for a large company to make money off of young students. So I have been paying on my loans since XX/XX/2004 and there is no relief for a middle class hard-worker. When talking to other people the same has happened to them. When talking to my lawyer she said this a a type of criminal act. We are looking into other options, but I think being fair to everyone is the way to go. I just think they are taking advantage of people and hold nothing back.,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days but no response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach.

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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2023-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
On XX/XX/23, I made a payment for {XXXX with my fiance 's bank account towards my car payment. It was processed on XX/XX/23. On XX/XX/23. On XX/XX/23, he didn't recognize the transaction and disputed a transaction for the payment amount, not realizing it was for the payment. He realized the mistake and cancelled the dispute on the same day. On XX/XX/XXXX, XXXX XXXX ( his bank ) took back the money but never recieved any money for this transaction, and essentially the money dissapeared. Additionally, On XX/XX/23, my bankruptcy case was filed with the court and a capital one representative could not be reached due to pending bankruptcy, instead a got redirected to XXXX ( the company holding my account due to bankruptcy ). A week later, I called to request an explanation if the payment would be reprocessed and the XXXX representative stated that it would not. 

On XX/XX/23, I called once again inquiring about the money and to get a copy of my payment history. 

I have tried resolving this issue with Captial OneXXXX and they refuse to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Self Financial Inc.
State: MA
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I recieved a call that I got approved for a loan and that the ftc would deposit money into my bank account and I Had to go at XXXX in the morning to XXXX XXXX and wire the money back or my account would be closed. I Did not wake up in time and my account was closed. The compamy wrote a check. Asked me for my bank login information and deposited the check as if it was me. They even endorsed the check with my name in the back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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: Information belongs to someone else

Complaint:
I disputed the account XXXX ( XXXX XXXX XXXX XXXX {$1100.00} with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX/XXXX  XXXX  XXXX ) ( {$760.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX/XXXX XXXX XXXX with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX/XXXX XXXX XXXX account is. I have never signed an agreement with XXXX/XXXX  XXXX XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist

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 2023-03-31
Company: Experian Information Solutions 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:
The company reported credit inquiries on my credit report without proper authorization. I never provided any expressed consent for the credit inquiries to be reported on my credit report. 

XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/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 2023-04-14
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 
Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need properly update ADDRESSES to reflect my accurate information. 
Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! 

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 explanation
Consumer complaint received 2020-09-21
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX XXXX I filed a dispute with AmeriCollect for a alleged debt of {$900.00} which I have no knowledge of owing as well as filed a Chapter XXXX BANKRUPTCY which was DISCHARGED XX/XX/2020 and have PROVIDED a COPY to them.. HOWEVER its still being reflected on my credit as OWED and PAST DUE. Ive ALDO provided XXXX with a copy of the CHAPTER XXXX DISCHARGE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
For the failure provide : request for information, verification of information : inability to verify information. Thus of fraud. information should of been certified-verfied when reported.

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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ON XX/XX/2021 I SENT MAIL TO XXXX, XXXX AND TRANSUNION TELLING THEM TO PLEASE SEND ME VARIABLE PROOF OF THE ACCOUNTS THAT ARE INACCURATE. 

XXXX. XXXX XXXX XXXXE ACCNT # XXXX {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX {$980.00} XXXX ACCNT XXXX : XXXX {$1000.00} XXXX. XXXX XXXX XXXX XXXX # : XXXX XXXX. NO NAME ONLY THING IT SAYS XXXX, OH XXXX {$250.00} IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$230.00} XXXX. XXXX BANK XXXX CARD ACCNT # XXXX {$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 explanation
Consumer complaint received 2019-09-11
Company: Mr. Cooper Group Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nationstar Mortgage # XXXX is reporting a foreclosure I no longer owe. This is past the statute in WA and I do not legally owe the debt anymore and this account should be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home in XXXX 2020..I applied for a tax reduction from the XXXX XXXX by using prop XX/XX/XXXX which you can transfer your old tax base from your old house to your new house..I was granted the tax reduction in XX/XX/XXXX. But I needed to wait for my supplemental tax bill. Once I received it in XX/XX/XXXX s was notified that the loan was being transferred to PNC Bank starting in XXXX 2021.so I started the process in XX/XX/XXXX, XXXXI was told to fax over the yearly property tax bill and the supplemental tax bill which verified my new tax obligations.I keep being given the run around..by saying it being reviewed, so I received I sent the ed supplemental bill to Pnc Bank because I knew was overpayments in my escrow account.thry paid the bill then increased my mortage, then they changed it back and send me around {$1500.00} after paying my {$440.00} supplemental taxes..But the won't reduced my payment. So I complain to the Corporate office at PNC Bank.I received a call from XXXX XXXX on XX/XX/XXXX He seemed XXXX sent XXXX all of the documents again on XXXX XXXX.He said he would get right on it.Now He ask me for something I already sent him..so I sent it again..Now I cant get XXXX on the phone not will PNC bank help me because XXXX is in charge..i need help..I 'm paying {$700.00} in property taxes monthly my new estimated tax are around $ XXXX.please help.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been going back and forth with this collection agency and the creditor for now almost 6 years. I lived at a property for a short time and when I moved out I was given misleading information. The collection agency at first tried to collect an amount of {$2700.00} when in actuality I allegedly only owed {$650.00}. I contacted the creditor XXXX XXXX who corrected the amount but it took close to 1 year to accomplish this. I offered to pay the {$650.00} but asked that the debt be removed from my credit report because if the original balance was {$650.00} and not {$2700.00} I would have paid it no questions asked. Due to the lack of cooperation from the collection agency Fair Collections And Out and then the drawn out emails and constant back and forth with XXXX XXXX AKA XXXX XXXX it was discovered that the balance indeed was {$650.00} so the entire time they damaged my credit based on a false amount owed which is against the law. I will attached the email chain so you can all see it. It took me many phone calls and their office manager at the time to fill me in on the information so I could get the correct amount. When I told them the office manager gave it to me they didn't believe me so I had to show them proof of my phone calls ect. This was very deceptive on both Fair Collections And Out and XXXX XXXX to try to scam me out of {$2700.00}. They did however correct it to {$650.00} and as a courtesy I asked them to please send me courtesy deletion letter or email showing good faith that they would correct the issue and remove it from my credit because it was not done correctly from beginning ( which I offered to pay when I moved out the correct balance ). They refused to do so. Now I could let the debt expire and pay nothing but I would rather take care of the debt and pay it. My offer still stands to pay the debt but have it deleted because it was wrong from the beginning to the tune of {$2000.00} off.

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