BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Account Date Opened XX/XX/XXXX Account Status Open Payment Status - Status Updated XX/XX/XXXX Balance {$480.00} Balance Updated XX/XX/XXXX Original Balance {$480.00} C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This debt was removed then went back on my report. It is not accurate and it had been sold mulitple times. I also have disputed this as not mine but a family member who used my old account to add themselves to mine. It is also being reported twice and it is same account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: Experian Information Solutions 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:
EXPERIAN is fraudulently reporting a public record on my report. I have contacted the third party company they state they verified with. This company XXXX says this information was not verified and had been deleted from there data base. I have contacted the court listed on my file who states the same thing. I have requested both by phone and by mail that an investigation be done and this item removed. EXPERIAN continues to send only credit reports. Since XX/XX/21 I have received 11 reports. None of which show proof of an investigation or permissible purposes for certain items listed. This public record is intentionally being left on my file. Pursuant to the FCRA XXXX have an obligation to investigate and report verified information.

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 2018-01-20
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:
We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. XXXX wrongly accused us of not paying for the last vehicle. We took XXXX to XXXX  and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where XXXX received the payments and failed to post them along with not posted those XXXX Bank paid as they received them. The law firm of XXXX and XXXX in State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with XXXX XXXX XXXX of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but XXXX doing this ruins our lives. WE MUST XXXX, being held hostage and using XXXX and Experian has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and XXXX nothing is being done, We sent correspondence to XXXX XXXX an XXXX Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. Experian is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.

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 2018-01-20
Company: FORD MOTOR CREDIT CO.
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:
We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. Ford wrongly accused us of not paying for the last vehicle. We took Ford to XXXX and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where Ford received the payments and failed to post them along with not posted those Electronically Bank paid as they received them. The law firm of XXXX and XXXX XXXX State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with Ford Motor Credit of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but Ford doing this ruins our lives. WE MUST FORD, being held hostage and using XXXX  and XXXX has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and Associates nothing is being done, We sent correspondence to XXXX XXXX an Executive Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. XXXX is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi there, I received a voicemail from XXXX on XX/XX/XXXX at XXXX CST stating to call back on personal number. I called back and was speaking to a man who claimed to be calling on behalf of the state of Illinois on phone number XXXX where he repeated my Social Security Number full name and Mailing Address. He told me I had XXXX in Taxes Owed ( which I do not ). I told him I do not feel comfortable speaking on the phone with a company I do not know and told him I would speak with my parents and check with the IRS to confirm. The fact that he had my Social Security Number was very alarming and I looked up the phone number and everything results back to spam. I don't know what to do since they have my Social.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Experian Information Solutions Inc.
State: NJ
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:
Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely Experian, XXXX and XXXX  suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I was on XXXX and I was requesting to get my report from Transunion it kept saying we are experiencing technical difficulties and kept trying to request by mail. After trying to access my file multiple times it said they can not process my request based on the information I provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Speedy Cash withdrew money from my checking account without approval. My debit card was changed and on Friday XX/XX/2020 they withdrew more money out of my account. I asked for them to stop taking payments out of my account and the representative said further collection efforts will continue then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: NV
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'M HAVING A HARD TIME GETTING MY CURRENT ADDRESS PLACED ON MY CREDIT REPORT FROM THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 contacted the credit service Trans Union to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to XXXX in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off 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 2018-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE REQUESTED FROM COMPANY BY NAME OF ( PORTFOLIO RECOVERY ) TO REMOVE INACCURATE INFORMATION FROM MY CREDIT FILE. THIS COMPANY HAS FAILED TO PROVIDE ME WITH REQUESTED INFORMATION TO VALIDATE DEBT. I HAVE REQUESTED TO BE PROVIDED WITH A COPY OF THE ORIGINAL SIGNED CONTRACT AS WELL AS WHAT IDENTIFICATION WAS USED TO OPEN CLAIMED ACCOUNT. THIS COMPANY HAS NOT PROVIDED ME WITH ANYTHING TO VALIDATE DEBT. HOWEVER, CONTINUES TO REPORT INNACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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 have an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account withXX/XX/XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XX/XX/XXXX8 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.

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 2021-12-07
Company: Experian Information Solutions 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:
This is my XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from 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 2018-01-19
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This loan company, Loancare, has been harassing me since the start of the loan assumption for their mishandling of our insurance, escrow, and now our property tax.

The tax bill is now {$750.00} as ofXX/XX/XXXXaccording to a " XX/XX/XXXX Delinquent Property Tax Notice '' and on that bill it states " All property with unpaid taxes will be sold at our Tax Sale '' with a due date of XX/XX/XXXX. Now while I am sure that XXXX  County is not going to sell my house right out from under me on XX/XX/XXXX the bill was due inXX/XX/XXXX for the year XX/XX/XXXX. I spoke with a representative yesterday from XXXX County yesterday to confirm that the taxes are still not paid. According to the payment history on Loancare 's website, they paid {$36.00} so I just got off the phone today XX/XX/XXXX, with XXXX XXXX at XXXX County Revenue and it is their policy not to take any partial payments so that is another strike against Loancare.

On XX/XX/XXXX I attempted to call Loancare and after a brief hold I was told by a recording that due to a high volume of calls that I would have to leave a phone number. I did this two times at XXXX and a second time at XXXX. I got zero response. After the call to XXXX XXXX today, I tried to call again at XXXX  with still having to input my number. Note : they did not continue to give me an option of holding.

Loancare bought out my USDA mortgage from XXXX XXXX  and has messed up our homeowners insurance status multiple times requiring multiple calls resulting them trying to force me to buy their insurance when they are the ones that messed up. They sent the insurance check to our former insurance company then charged us for insurance when we NEVER had a lapse in insurance. Recently they tried the same thing again just because I had gotten married and the insurance with XXXX is in my married name.

They were charging me an exorbitant amount for my escrow account and had to refund me twice within a year for over payment. The first time it was close to {$500.00} and instead of reviewing it, they kept the escrow charge the same and had to send me another check onXX/XX/XXXX for {$1900.00} after I initiated the action by emailing them and asking why they have not changed the escrow amount so my excess payment can be taken off of the Principal instead of sitting in escrow building up interest for them. It still took them over a month to decrease the escrow amount with our first payment reduction coming due in XX/XX/XXXX.

This company needs to be prohibited from any new loans until they can work out their many failures.

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 2018-01-19
Company: Experian Information Solutions Inc.
State: MS
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 I have been filing complaints for them to verify my reports for months and XXXX has not respond to my letters.I have been sending letters since ( XXXX XXXX, XXXX ), with no verification to the credit laws that I had included. Seeking help with this matter.

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 2018-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX XXXX, XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with Capital One bank with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with Capital One with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact Capital One. I did contact Captal one and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
We tried to get a Bank of America credit card but received notice that we were denied. Now Bank of America says we owe {$3000.00} on an account we dont have. We have not received any cards or anything from Bank of America except the denial letter. This is on our credit reports but we have not had a credit card or a credit account to charge anything. We told them this but it is still showing as a bad debt on the credit report. We need this off our credit report because it is causing harm to the credit we are trying to get back to excellent. 
I have tried to find the letter stating we were not approved but if I find it I will forward to 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 2018-01-19
Company: NAVY FEDERAL CREDIT UNION
State: AA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I HAVE NOT RECIEVED MY DEBIT/ CREDIT CARD & I CANNOT SIGN INTO MY ACCOUNT. THE XXXX   WAS SIGNED & REFUSES TO MAKEL DEPOSIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX is reporting over 30 fraudulent transactions Resulting from that identity theft. I have decided this Dispute this matter Several times every times.And also sent FTC report and requesting that all inquiries be delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I had a collections account with XXXX XXXX  XXXX that has been paid in full and closed ; however, it still shows up on my XXXX and TransUnion credit reports as an open collections account. 

Once the debt was paid, I notified the credit bureaus immediately, forwarded the letter that I was provided, and asked that they update my reports accordingly. XXXX updated that account accurately as paid in full and closed. XXXX and TransUnion however continues to report that account as an open collections account that is in derogatory status with a {$0.00} balance. I've contacted the creditor by email and asked if they can reach out to the bureaus to notify them stating specifically that the account is closed ; however, they have stated that the letter that they provided was the only notice that they would provide. I can include that letter with this submission. In the email, I asked if she can confirm that the account is closed since the debt is settled in full and she has stated that that is correct. I enclosed the email thread that contains the conversation with this submission as well. I contacted the XXXX and TransUnion and they have stated that they must have a statement from the creditor, specifically stating that the account is closed. I have run out of options at this point and would need your help to correct this matter.

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