BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: IL
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 I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-11-04
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX I closed my account with XXXX  XXXX  I had a XXXX balance XXXX  XXXX  left my account open resulting in another month still due I was working with XXXX XXXX  and the FCC was an active open complaint over this matter for some reason or another this credit collection agency ended up with this account I was still not done with my process involving the FCC and that I was waiting for their official response to come in the mail that they never sent to me which was on the XXXX of XXXX this collection had apparently began three days after that XXXX had explained to me that they needed at least 30 days in order to close the account to which I requested the account be closed in XXXX of XXXX as outlined in my FCC complaint I still received a bill for XXXX and XXXX for services I did not even have therefore I owe them no balance whatsoever

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to covic 19 I applied for US banks modification program for 6 months. The program would expire in XX/XX/2020. I was also told doing this time no payments would have to be made and it would not affect my credit. Once I was 2 months into the program I received calls from debt collectors from US bank. US bank also reported me too all 3 credit bureaus saying that I am 5 months behind on my payments. And reported derogatory credit 120- 149 days late which drop my credit score over 62 points. I was denied a SBA loan and other loans do too there lack of professionalism and inaccurate information. I have called many times in regards to this. I only received the run around and was transferred from departments to another after spending 3 days on phone calls I was told to contact there escalation Department and write a letter. I am self employed and they have harmed me tremendously. my inability to keep my business going has affected me personally as well as financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchased a needed XXXX XXXX matic for $ XXXX with $ XXXX as deposit and $ XXXX in XX/XX/XXXX. There interest rate was manipulate and inaccurate Federal Truth In lending disclosure. Car was paid off infull and forcefully entry used to take my car away by XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX when upon lemo law mediation been setup by the State. The car did not have any emission record and it was lemo within first 90 days of purchased. Over paid for the car. The sales representative XXXX XXXX XXXX it at sovereign motor cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Experian Information Solutions 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:
Experian is still reporting a account with XXXX XXXX on my credit file, after i have filed a dispute and asked for written verification several times. Both XXXX and XXXX have removed this account. Experian has not and will not provide me with any documentation that this account is mine. I have requested for them to follow suit with the other credit bureaus and they still have not responded. When i call they transfer me to a " special handeling dept '' and i just keep getting the same answer, " it has been verified '' well, if that is the case please have them tell me how it was verified and by what means, provide me with some kinda documentation. This is affecting my credit score greatly, i have a 100 % on time payment history and i am in the process of buying a house and i need to have this taken care of in order to proceed. The account is reporting paid in full but if its not my account and its paid in full why havent they removed it? Please help me resolve this issue so i can continue on my home buying journey. 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 2020-10-10
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I found a seller named XXXX on Offer Up, I purchased an dining table at {$170.00} from her that she claimed it is BRAND NEW. I specifically asked if its new before I purchase. Table is wrapped in an taped open boxed and unassembled. When I got home from picking up the table, I noticed the corner of the table are worn and one of the legs are falling apart that makes the entire table unsteady, the table will fall apart anytime. I then texted the seller was trying to see if I can return and get my money back and she insist that the table is new. I then told her from the open box & partial wear and tear this is definitely a return product from the store. She has text back since and I believe I was blocked by her. I called my bank, XXXX    XXXX XXXX, to frozen or dispute the XXXX transaction at ( XXXX transfer is how I paid her ) but they told me there is nothing they can do if its a XXXX transaction since I initiated the payment. I know {$170.00} isn't a huge amount but I am unemployed from the pandemic and I needed that money for a dining table that actually works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CL Holdings LLC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
.Jefferson Capital systems is actively trying to collect a debt {$470.00} for XXXX that is from XXXX and was a charge off in XXXX. Jefferson 2 years later XXXX starts collection process reports collection debt on my credit report. Montana state law states debt collection must stop and cease 5 years after debt was aquired! It's been 9 years when debt originated XXXX! Need this off credit report ASAP and that my credit report be updated accurately and report reflects score that should have been positive score since XXXX before putting this on credit report in first place! This has effected my ability to get loans at lower interest rates or refinance current loans!! Jefferson Capital Systems is breaking the law by actively trying to collect a debt that is almost 10 years old!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In the XX/XX/XXXXXXXX, I was looking for private loans to help me finish my last semester at XXXX. I had already reached my maximum Federal aid allowance, and was in need of private loan help. I called several companies for the best deal. Navient offered me a private loan where I did not need a co-signer, which was rare. I asked about having different repayment options for after I graduated, because I was worried that I would not have a job 6 months after graduating. The representative assured me that I would be able to apply for IDR plans once my private loans entered repayment. 6 months after graduating I called Navient to sign up for IDR because I did not have a decent job and my loan payments were $ XXXX/month. When I called the representative I was told that my private loans did not qualify for IDR, and that the only option for me was to enter into forbearance. I tried to argue this point, saying that I was promised I could get IDR, but to no avail. I had not choice but to take the forbearance, as I did not have the money to pay my loans. I paid {$50.00} per loan to put my loans on hold for a total of {$100.00}. I have called several times since then, and always get the same answer. I have been continuously putting my loan payments on forbearance ever since the XX/XX/XXXX. I originally took out 2 loans, one for {$10000.00} with an interest rate of 12.875 % and the other for {$11000.00} with an interest rate of 11.750 %. Now the loans equate to {$16000.00} and {$19000.00} for a total of {$35000.00} in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Credit Control, LLC
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 status incorrect

Complaint:
This account was opened XX/XX/ and was closed XX/XX/XXXX. I am getting collection notices from credit control LLC on dates XXXX and XXXX that they can resolve this account for {$250.00}. It can't be claimed if it is closed. Fair collections

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 2020-08-03
Company: Experian Information Solutions Inc.
State: MO
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 has violated the Dodd -Frank Wall Street Reform and the Consumer Protection Act. Specifically by demanding and lying about payment. They are reporting false  statements to the credit reporting agencies and i quote " Paying under a partial payment agreement " There's absolutely no payment agreement, I'm demanding a physical copy of this so called agreement. Here 's the correct history inwhich still doesn't make sense. Account opened XXXX, Then they say last payment was on XX/XX/XXXX. And the report also stated that this account closed XXXX, excatly one month later. Then at the same time the account was closed. Again XXXX XXXX XXXX XXXX has violated. In XX/XX/XXXX this account was removed fron my creut file, but then reinserted back on my credit file inwhich was illegal if you didn't notify the consumer of this within 5 business day. And again no one notified me about doing so. Im demanding that XXXX XXXX remove this account immediately from my credit file. 

Please remove the following 1 ) 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 2020-06-27
Company: EQUIFAX, 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:
They are continuously reporting fraudulant accounts on my credit report and I'm about tired of it this was reported to my local police station and according to FTC should be blocked from showing on my credit profile because this doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, 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 have made several disputes for accuracy verification regarding the reported account XXXX XXXX # XXXX with the CRA, Equifax with the most recent on XX/XX/2020, resulting in a response from Equifax, this creditor has verified that the date is being reported correctly. Equifax does not say what date is being reported correctly, nor do they respond to the specific items that were outlined in my dispute on XX/XX/2020. 

The CRA, Equifax knows, the information in my file must be complete and accurate, and verifiable, otherwise it must be deleted. This is made clear in FCRA Sect 611. I asked Equifax to remove this tradeline because they were repeatedly reporting unverifiable information. As of XX/XX/2020, this account ( XXXX XXXX ) is missing the date of last activity, credit limit, high credit amount, charge off amount, and date of major delinquency. All of this information is required for accurate reporting. 

I am in the planning process of applying for a mortgage and have rights under the Fair Credit And Reporting Act that Equifax is violating. 

Equifax response to my dispute regarding missing information with respect to XXXX XXXX ( aka XXXX ) is that this creditor has verified that the date is being reported correctly. This is a direct response form Equifax. ( see attached ). They have completely ignored all of my disputes regarding this matter and, instead, have merely updated my report with a random reply unrelated to my original dispute. 

It appears that their response is a result of not providing me with proper investigation processes as required by Federal Law or a blatant fabrication. Instead of deleting the account, as required as the necessary remedy, at this point, they have instead, kept the account on my file with incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Statebridge Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would also like to bring to your attention the, for lack of better words corrected kindergartener 's homework of a assignment of mortgage ( see attached ). To say the least this legal document filed with the County of XXXX of Arizona is BEYOND questionable. 

I do not know a XXXX XXXX, the date of the loan is incorrect, the amount of the loan is incorrect, the state and county are incorrect. Yet my information appears in much smaller font below ... ... honestly, is this a joke? Did Statebridge Company LLC ever have the legal right to own/service my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Prosper Marketplace, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I actually secured a personal loan with XXXX XXXX XXXX through XXXX XXXX, but am still getting emails from Prosper asking me to complete their process, and I never applied with them. I have repeatedly asked they quit all processes and emails as I never asked for a loan from them. Please have them stop pushing this loan on me.

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 2019-01-24
Company: National Credit Adjusters, LLC
State: TX
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 made contact with National Credit Adjusters several times about the reported debt in my credit files. On XX/XX/2018 National Credit Adjusters agreed to remove this debt from all of my credit reports. It is now XX/XX/2018 and the debt still remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Letter of Complaint : Refuse to Validate Debt Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as Bank of America. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or XXXX, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX Oscar System to input codes is not sufficient verification.

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 2020-02-05
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 AM VICITM OF AN IDENTITY THEFT, NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO EXPERIAN, BUT THEY KEEP IGNORING MY REQUESTS. WHAT IS THE POINT OF ASKING FOR THESE DOCUMENTS IF THEY ARE NOT GOING TO HONOR IT. I AM VICTIM I CAN ONLY PROVIDE THEM THEM POLICE REPORT AND IDENTITY THEFT REPORT, I HAVE EVEN SENT THEM MY NOTARIZED POLICE REPORT AND IDENTITY THEFT REPORT AND STILL NO RESPONSE FROM EXPERIAN. FRAUDULENT ACCOUNTS SHOULD NOT BE REPORTING 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 2019-01-24
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 status incorrect

Complaint:
XXXX XXXX is reporting incorrect information on my credit report In XX/XX/2018 I notified them that I was turning my debt over to a credit counseling company. XXXX XXXX XXXX. They negotiated with XXXX XXXX on 2 accounts a fixed monthly payment and XXXX XXXX has been paid each and every month. They accepted this payment arrangement, which was supposed to cease all collection of past due amounts and to lower my interest rates. But now they want to report me as being late on continuous months with the credit bureaus Now I am forced to file this complaint as well as get legal assistance to sue XXXX XXXX for frivolous reporting. I could have simply defaulted on this but I did not want to do that but yet they do this to me. I may consider taking them out of the program and they get nothing if this is how they conduct business. Once again a prime example of a big company trying to take advantage of the little consumer. They are just dirty and can not be trusted.

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 2018-10-10
Company: On-Site Manager, Inc.
State: WA
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 application for an apartment was denied on XX/XX/2018 by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The agent said there was negative rental collection on the report that was provided by Real Page, using this identity and address : LeasingDesk Screening XXXX XXXX XXXX. 
XXXX, Texas XXXX ( XXXX ) XXXX http : //www.realpage.com/consumer-dispute I've contacted Real Page and have not been provided any additional details on the derogatory report or any means for resolving the matter. The net result is that I can not rent an apartment by any property management company in the XXXX area as it seems most of these companies use the same service from Real Page. 

I believe this company is in violation of the FCRA. 

Please contact me at XXXX or XXXX if you have any questions or suggestions for how to resolve this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation