BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened Promo account in XXXX and have been trying to fix spending hours each day. XXXX is all I dealt with and she does not read or know anything. Today XXXX shes says i need restatements which she set up but didnt tell me i need to do it from us bank app too.

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 2018-10-03
Company: Diversified Consultants, 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: Information belongs to someone else

Complaint:
XXXX is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it.

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine!

XXXX - XXXX  - I CURRENTLY HAVE XXXX  FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine!

Diversified Consultants - XXXX - I CURRENTLY HAVE XXXX  FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX  collections???? OMG!!!! it is not mine!

XXXX  - I CURRENTLY HAVE XXXX   FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
I have submitted disputes to you and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you in advance.

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 2020-11-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and back in 2013 my cousin fraudulent put a auto loan in my name without my consent and this auto is ruining my credit.. The car was given back to this company because I told her I will take her to court ... I have dealt with this company and it should not be listed on my credit report ... and wasnt even making the money in 2013 up until now to purchase a car loan so they lied about the income as well

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 2019-11-14
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
I turned in my lease for my XXXX XXXX XXXX with GM financial on XX/XX/XXXX. On XX/XX/XXXX, I called GM financial to inquire when I would be receiving final amount due on the lease. They informed me that the payment had yet to be determined but I would be receiving a letter in the mail when it was finalized. On XX/XX/XXXX, I called in again to ask the status of the final amount due and was told that a letter had been sent to my previous address with a due date of XX/XX/XXXX. I asked for and was granted a 30 day extension from the XXXX to allow time for me to receive a new bill and to respond. On XX/XX/XXXX I received an electronic copy of the bill. I mailed a check with the full amount of {$2200.00} on XX/XX/XXXX. GM financial processed the check and the money was debited from my account on XX/XX/XXXX. On XX/XX/XXXX, I received a notification from my credit monitoring service that the account had been reported as 30 days delinquent. A couple days later, the delinquent account status was replaced by a late payment derogatory mark. 

I have been corresponding with GM financial throughout the process. Their processes are slow and ineffective. On XX/XX/XXXX, they claimed a 30-45 day turnaround time to remove the mark. They promised a letter would be issued within 5-7 business days to allow me to show potential creditors that they were correcting an inaccurate report on my credit. As of this writing on XX/XX/XXXX, they have not yet done this. After yet another phone call, they are asking for another 5-6 business days to send out the letter. Meanwhile, my credit score has dropped 84 points from XXXX to XXXX. I no longer qualify for top tier automotive lending solely because of GMs incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
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: Their investigation did not fix an error on your report

Complaint:
I pinned of XXXX XXXX account credit and paid settled in for as of me Ive been submitting the letter that I received from XXXX XXXX XXXX and I have a XXXX balance owed to them and its been considered paid him for since I have some at the letter I had to try to do a three-way call with experience any federal accountant and nothings been done Ive submitted over for different disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account in Bank of America about 3 months ago. I got a letter from Bank Of America earlier this month informing me that my account is going to be closed without any further information. 
I requestEd a report from XXXX  and there was no negative Information in my 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 2021-04-25
Company: Grain Technology, Inc.
State: MD
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:
My account balances from Grain Technology Inc have not been updated on XXXX since XX/XX/2021. The balance is reporting a high utilization that is harming my credit score. My balance on my grain technology has been paid down for the last two months and has not been updated. I have contacted this company for months and have yet to get a response. This makes is very difficult to get a remedy with the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} CAPITAL ONE XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$86.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Experian Information Solutions 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'VE BEEN TRYING TO GET THIS ACCOUNT REMOVED FROM MY EXPERIAN CREDIT FILE FOR SEVERAL MONTHS NOW AND THEY KEEP TELLING ME THE CREDITOR VERIFIED THAT THE ACCOUNT BELONGS TO ME BUT I'VE NEVER RECEIVED ANYTHING BESIDES A BILL WHICH DOES NOT BELONG TO ME. THEY KEEP CHANGING INFORMATION RELATED TO THE ACCOUNT WHICH I'VE INCLUDED WITH THIS COMPLIANT. THE ACCOUNT HAS ERRORS WHICH IS A VIOLATION ALSO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IL
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 light of the recent news about Equifax issuing millions of consumers inaccurate credit scores, it pains me to know that Equifax has participated in countless fraudulent and erroneous behaviors and acts that has negatively affected my character, reputation and mode of living. 

As a federally protected consumer, I have a right to privacy! A consumer reporting agency shall not share my non-public personal information without prior written or oral consent from me as the consumer. Pursuant to 15 USC 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant to 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes of consumer reports ( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may fu
rnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Equifax had no Permissible purpose to obtain or share my consumer report or anything contained therein with ANY PERSON, WITHOUT MY CONSENT. No consent is identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: NM
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, Experian and XXXX  have yet to respond to disputes I have been sending since XX/XX/2020! Under the law you are supposed to provide results and there are serious errors on my credit file with Late payments and negative items. I am unsure why you are not responding at all but these need to be deleted and not ignored. I have tried to call you guys and I can not reach any either. 
Please provide me results for the 3 disputes I have sent 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 2020-12-02
Company: EQUIFAX, INC.
State: NM
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 and Equifax have yet to respond to disputes I have been sending since XX/XX/2020! Under the law you are supposed to provide results and there are serious errors on my credit file with Late payments and negative items. I am unsure why you are not responding at all but these need to be deleted and not ignored. I have tried to call you guys and I can not reach any either. 
Please provide me results for the 3 disputes I have sent you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance : {$20000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.

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 2021-02-01
Company: Experian Information Solutions Inc.
State: PA
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 tried to get this rectified multiple times. I've heavily had my identity utilized and stolen. So much so that I had to get a court order. This isn't my 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 2020-05-28
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: Public record information inaccurate

Complaint:
I am beyond upset and puzzled with how you CRA 's agencies break the law or have no concern with following the procedure required to report information. I've talked to lawyers ( several ) and I've even studied the metro 2 data rules you are supposed to be following as well. So your own reporting standard is violated and then you also violate the FCRA. I spoke with the courthouse and they told me - they do not verify any information with credit reporting agencies ; thus, you are in violation of the FCRA and the spirit of the law. You are even in violation of your own Metro 2 data standards. Delete this account from my reprt

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 2017-08-03
Company: Experian Information Solutions Inc.
State: NC
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:
As a right I have under the Fair Credit Reporting Act, I 've been writing Experian who is reporting a false debts on my credit report that is severely affecting my credit worthiness. I have written them on ( XXXX ) Different occasions over the span of ( 3 ) months asking them to Validate the Debt as required by law and being that they remain on my credit report without Validation and not providing me with my requested Signed Document or Contract they are in violation of 15 U.S.C. 1681. Furthermore, they have ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means they have NOT Validate or can not validate any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The accounts being reported by them in question are : - XXXX : {$21000.00}. Again the law states that the burden of proof is on them, I ca n't possibly provide information on accounts I have no knowledge of and they are violating my rights and effecting my life by falsely reporting this information.
Attached are my communication attempts ( letters and Certified Mail Receipts over a 3 month period ).

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 2020-01-21
Company: Experian Information Solutions 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:
The creditor XXXX XXXX XXXX and XXXX XXXX XXXX have agreed to delete the XXXX XXXX  account from all of the credit reporting agencies that it is being reported to. I have a letter of deletion from the creditor to prove 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 non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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 checked my credit report today XX/XX/20 because I plan on refinancing my auto loan soon however, I saw several accounts on my report that I never opened. They are from several different companies that I am not affiliated with in any way. I don't know who opened these accounts in my name without my permission but I did not gain anything from them such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. I do not have any written/verbal contract with any of these companies and I did not give them permission to access my credit file. I have filed this report to the best of my knowledge.

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 2020-05-14
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have a bmw through bmw financial. I have never been late. Due to covid 9 I was approved for a 2 month deferment of payments to keep my account status current. I called in at the end of XXXX to request this. I signed the deferment and forgot about it. Then today I got a credit alert thats said I had a change in account status so I looked to see what it is and bmw reported to my credit that Ive been affected by a natural disaster. Then I logged into my account and it showed past due 30 days. So i called bmw and they said they could redo the deferment again. I told them you reported on my credit and they said they just report status of disaster. I dont think that is fair or right. I didnt know they would do that. They made a mistake. I dont appreciate this right now. I called in XXXX to prevent this. After they updated the deferment it still shows payment due XX/XX/XXXX, when it should be XX/XX/XXXX. Also Im a hairstylist in California. We wont be working til end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Jon Barry and Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from Paragon revenue group in XX/XX/2020 stating I had a debt placed with them. I told the representative in that phone call that I didn't have such a debt and I requested validation of it as provided by law. I then prepared a written statement outlining that the debt was incorrect and false and asked for proof of such debt. The letter was mailed via USPS and signed for by Paragon Revenue indicating receipt. On XX/XX/XXXX the account was listed on my credit report and no proof of the debt has been provided. Zero proof or documentation has been provided by the collector. This fraudulent reporting has damaged my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a letter from  Midland funding saying they validated the debt by sending a bill from another company.midland did not send a contract t hat I signed with them. I do not know this company, I do not owe this company, nor have I ever had any contact with this company.They is reporting to my credit report and so is    XXXX   XXXX   XXXX  ..Two co mpanies can not collect on the same debt..i want this illegal information deleted from my credit report.

Company response to consumer: Closed with explanation