BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Collection Agency reporting false information on my credit file is not only unacceptable ( as i never engaged in a contract w/ my signature w/ them ) but is unlawful and violates at least 2 of many of the FDCPA rules and regulations. Validation of debt section 809 and unfair deceptive practices section 15 USC 1692f. FCRA section 609 / 610 Disclosures to consumers 15 U.S.C. 1681g ( a ) states in laments terms to provide this said information ( contract ) with my signature engaged with said company. Nothing has been provided. Prior collection agency was removed due to its unlawful reporting and now this new one is doing same. I owe this Collection Agency whom I never heard of NOTHING! ZIP! ZILCH! and somehow they remain on my credit report! This is now causing great emotional distress to myself and family a it is limiting my credit score and especially at a time of need and for absolute no good reason! If the CFPB is unable to right this wrong I will go to the FTC and sue for emotional distress up to 12 times! If you are unable to validate this assumed fairy tale debt and provide a contract WITH MY SIGNATURE by LAW then have it removed ASAP! Enough is ENOUGH!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
six XXXX XXXX accounts were opened under my name with out my knowledge, these accounts were inaccurate and fraud account opened, i have disputed these with equifax because they are the only XXXX who are reporting this inaccuracy please have this inaccuracies removed from equifax credit agency i will be attaching my police report and the FTC report which i have been providing equifax for the longest times thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I began disputing these items with the Credit Bureaus, and more specifically Trans Union and XXXX on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA.

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 2021-05-28
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have a loan with Credit Acceptance for an XXXX XXXX  XXXX and the interest rates are extremely high .... By the time I finish paying for the truck I would have paid double, even triple for what the truck is worth ... The car was priced at XXXX Ive had the car for a year and a half and I still owe XXXX on the vehicle.

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 2019-03-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX  XX/XX/2017 XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: ALLY FINANCIAL 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:
Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from Infinity of XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, Ally Financial on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, Ally Financial on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on 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 2019-04-26
Company: Valentine and Kebartas, Inc.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Repeated calls, call my landline number, I say hello, there is no one there, I call back and I have to put the phone number in. I have spoken to a person after this, they are looking for someone who is not me. I have asked repeatedly to take my phone number off their lists, yet they keep calling. Examples of dates as follows : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX The company name is Valentine and Cabartis ( SP? ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX reported in XX/XX/2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient quoted me a repayment rate of {$530.00} under the income-driven repayment plan. Once I applied, I got a bill for double the amount. I was forced to put the loans in forbearance again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 sent THREE CERTIFIED LETTERS advising there are numerous inquiries that were not authorized and fraudulent and Transunion continues to not only ignore my certified letters and not respond they still refuse to remove the inquiries I did not authorize that is having a negative effect on my credit rating. I have sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 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 2019-04-26
Company: EQUIFAX, INC.
State: OR
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 to Equifax and XXXX on XX/XX/2019. Both agencies returned with responses stating the information had been removed. Today, XX/XX/2019, I applied for another apartment and was denied due to incorrect information, yet again. Agencies did NOT REMOVE THE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions 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:
I have sent multiple letters to Experian requesting proper validation of accounts listed on my credit report. Experian has blatantly ignored these requests. The accounts on my report keeps coming back as verified but I as the consumer have not provided with one shred of validation or verification documents which I specifically request in said mail correspondence. Under the FCRA I as the consumer am legally entitled to view the documents used in this investigation. My correspondence to Experian were sent via certified mail and proof of delivery is hereby attached below. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said accounts be removed from my credit reports and a updated copy of my credit reports with the items deleted be mailed to my mailing address. Thank you for your advanced cooperation.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: WELLS FARGO & COMPANY
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:
Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from XXXX XXXX  XXXX XXXX on XX/XX/XXXX, Wells Fargo Dealer Services on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on 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 non-monetary relief
Consumer complaint received 2019-04-26
Company: EQUIFAX, 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:
To All party involve Equifax XXXX. XXXX  XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX/XXXX XXXX # XXXX XXXX  XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a debt from a dentist office that was paid on time at the office. I have sent the receipt of payment to the collection agency and they keep reporting me to my credit report on a debt that was never delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I received a letter from the XXXX  stating that I was late with a payment ( I have never missed a payment with this company ) and my credit limit would be decreased due to the late payment. I spoke with a XXXX  Representative on XX/XX/XXXX regarding resolving this matter and to explain why my credit limit was decreased due to a late payment and also to have this unfair marking taken off my credit score. I explained to her that I was a XXXX  on a fixed income trying to purchase home and how this was unfair and effecting my credit score. I do not and did not request an increase in credit. I keep my accounts in excellent standing with XXXX XXXX  

The Rep. then provided me with the Consumer Resolution address and directed me to write a letter requesting for this to be removed from my credit, stating that my accounts are in excellent standing with their company and she ensured me the issue would be resolved immediately.

I drafted a letter to resolve the credit report issues and my concerns, stating the above-mentioned concerns and mailed it on XX/XX/XXXX. I HAVE NEVER received a response back until today XX/XX/XXXX. I received a letter that my credit limit was decreased AGAIN due to my credit score. NOT a delinquent late payment or any negative marks on my account.

I called today ( XX/XX/XXXX ), spoke to the resolution supervisor XXXX  ID : XXXX which had difficulty explaining why I did not receive a response back from my first letter, why this particular XXXX XXXX Card was being unfairly penalized ( decreased in limit ) and not the other six cards I have with this company. I explained to this representative my goals for this call was to have these marking removed from my credit report because this account and all six accounts with XXXX  are in excellent standing. I have never missed a payment with any of my accounts and I have XXXX balances with other accounts with their company. I explained that I am a teacher and I am currently in the process of buying a home and these unfair reports are impacting my credit score dramatically. He directed me to send a secured email through my XXXX XXXX  XXXX account sating the mentioned concerns. I explained to him that my letter did not get a response why would an email be any better? I needed someone to explain why a customer with perfect payment history with this bank being treated unfairly? As a consumer, I am doing the right things such as keeping my accounts with this company ( NEVER missed a payment ) in great standing and paying my bills on time why am I being punished for doing the correct thing?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
a PAYMENT WAS SENT AND WAS SUPPOSE TO BE RECEIVED XX/XX/2019. tHE PAYMENT HAS NOT POSTED TO THE ACCOUNT YET.

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 2020-05-04
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Have been struggling to pay my mortgage for the last two months due to COVID-19. My wife is laid off and we are having trouble making ends meet. I called Quicken loans in XXXX and XXXX to discuss a deferment. I was told both times that the only thing available is a forbearance which doesn't help anything if the payments are due at the end of it. I and millions of other hard working Americans need relief during these trying times. Not a forbearance that just kicks the rock down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I gave my wallet to my attorney at the time to give to my family and instead he charged all of my accounts for his services with out anyone consent. I was under the impression that my nephew was present and gave him the consent to charge the accounts, but he never did the attorney XXXX XXXX XXXX of XXXX XXXX and XXXX took the liberty to charge the accounts him self {$15000.00} in total over 3 different accounts. Let alone he never preformed the services as he was fired before he could do anything. I had someone file charge backs regarding the accounts fraudulent charges and services not rendered and not one of the 3 banks ever made contact with me and ruled in the attorneys favor as he provided false documents to support his account of activity. The receipt he provided was dated XXXX XXXX XXXX charged at midnight and there is not anyone signature. I am waiting on finial results from Capital One Silver Credit Card and XXXX XXXX, However Capital One 360 has ruled there is not an error and finalized a decision in the attorneys favor with out ever looking over the documents or confirming a signature. XXXX, XXXX XXXX requires a signature for charges or {$50.00} there is not any body 's signature on the receipts. Please help in this matter it is not the first time I had a dispute with Capital One 360 where they never investigated the matter correctly and favored the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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:
Experian continues to report fraudulent and inaccurate information on my credit report. There investigation system is flawed. They are in violation of the FCRA by continuously reporting this negative fraudulent information on my credit 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 2017-11-28
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a company out of Florida called Diversified Consultants who continue to ruin my credit on a debt that is n't mine..There have been letters sent on my behalf disputing this debt but this company refused to report correct information to the credit bureas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
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:
Hi my name is XXXX XXXX. I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. These items listed a.re not mine and need to be deleted from my credit report. I have contacted my local police department. I'm doing this on my own behalf. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX/XXXX. Inquiries : XXXX/XXXX, XXXX XXXX.XXXX/XXXX   XXXX . XXXX, XXXX/XXXX, XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   AND XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX. XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX. XXXX & XXXX/XXXX XXXX. XXXX, XXXX XXXX I, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.XXXX  XXXX XXXX XXXX  XXXX, XXXX. XXXX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX & XXXX, XXXX

Company response to consumer: Closed with non-monetary relief