BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
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: Public record information inaccurate

Complaint:
State GovernmentRef :  XXXX  Tax Lien - Filed State GovernmentRef :  XXXX  Tax  Lien  - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted. This is incorrect information. It does n't belong to me. It needs to be deleted.     Both  XXXX  and   XXXX   have deleted these items, therefore they need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Speedy Cash Was reported on XXXX2014 the merchants stated it was a online loan and I have no known knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12
Company: Ocwen Financial Corporation
State: OR
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 recently had my credit pulled in order to get a home loan and i was shocked to see 2 60 day late pays on my credit report from XXXX and XXXX of XXXX for an account that has been paid and closed since XXXX of XXXXIt was a manufactured home that i paid off and sold in XXXX. Its never been on my credit report until this year more then 7 years later. I have called the company and they can not locate my file anymore and have said that they never reported a late payment from the records. So I've tried to dispute it with the credit bureaus but it has not been removed. I've attached a copy of my credit report that shows it closed since XXXX and an email from the customer care company that said they can't find the records of my account. Please help me. I am also going to file a complaint against the credit bureaus for not removing this item from my credit report or looking into it even because if they had the lates would be removed from an account that is obviously closed. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/18 I contacted XXXX XXXX XXXX at XXXX to settle an account with them. Agreed settlement was for {$280.00}. I gave them my debit card number and authorized them to debit my account the same day. I also asked that they provide me with a letter showing that the account has been paid in full. Needless, to say after having over 10 conversations with various agents at Portfolio Recovery Associates, my issues has yet to be resolved and they have obtained the authorized payment from my checking account. I was lied to several times by several different managers ( however I am not sure they were really managers ) Portfolio Recovery would state that they didn't know the person I was asking to speak with? They also sent me a letter stating that I still owed them a payment after agreeing to a settlement on the account. The could not tell me a reason why the letter was incorrect. The last person I spoke with by the name of XXXX XXXX who claimed to be a manager stated on XX/XX/18 that he would email me the letter I was requesting to show that my account had been paid and settled in full. I spent numerous hours on the phone trying to obtain a LETTER from them to show my account had been paid and this is has cost me not being able close on my mortgage in time. I am absolutely FURIOUS that this company is allowed to behave in such a manner and exhausted to say the least that this has taken up so much of my time when I was only trying to pay them and settle this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There is an additional name on my report from Transunion that isn't 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 non-monetary relief
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: NJ
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 did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : DEPT OF ED Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Untitled Account Number : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Kriya Capital, LLC
State: MI
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:
Three or four weeks ago, I received a phone call from a Credence Resources Management LLC stating that they were calling to collect a debt.  I told them I have no debt that is in collection.  They stated it was for XXXX  for some equipment that wasn't returned.  I told them that it is an illegitimate debt, because I don't owe XXXX anything and that I returned their equipment as instructed within three days after they emailed me.  They kept saying they were to collect $XXXX dollars and I told them that I don't owe anything and I am not going to pay anything.  I went on to state that I maintain a credit rating over 800 by paying all my bills and on time. In the last week, I began receiving credit notifications that my rating was being changed. When I checked, I see where Credence has put a collection item on my record.  They did so knowing that I denied having any indebtedness to them or XXXX. They also affected my credit by doing a credit check on me.   I believe they did this in the belief that I would pay this even though I don't owe it just to protect my credit rating and I feel this is an intentional fraudulent act.

I reached the end of a two year promotion of XXXX internet and television service as of the end of XX/XX/XXXX this year.  Within days, I received an email from them requesting that I take a specific piece of equipment to XXXX who would package and return their equipment.  The email listed one item (a router with a picture of it and the serial number.  I followed up within two or three days and returned the equipment they requested.  About a month or so later, someone called from XXXX asking about equipment, and I told the lady that I had taken the Router that was requested in the email to XXXX and that I had the email and at the time I also had the XXXX   paperwork.  She asked that I send it to her which I did.  I also told her I had some other stuff and what should I do with it.  She said that I should follow the email instructions and send what they requested, which I had done.

About two to three months after the service ended, I began receiving calls from XXXX with offers to resume service with them.  I told them that I already had a new service provider (XXXX).  I also told them that I  had returned what XXXX asked me to but that I  still had some XXXX equipment that they didn't ask for and what should I do with it.  On two to three of those calls, I was told either, "I will look into it, or I will take care of it" and nothing happened.  I finally put the stuff in a trash bag and my wife set it out.  (There are no XXXX offices or service centers around.)

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report. 
On XX/XX/2020, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Ive been so upset since I discovered my tenant stole my information, he made photocopies of my drivers license and social security card. I gave the police all his information and hope he is brought to Justice. In the meantime, Im suffering here! 


On XX/XX/XXXX I sent Capital one a letter with supportive documents letting them know I was a victim of ID theft. 

When I discovered my previous tenant had made photocopies of all my personal info I immediately reported this to the police. 

I filed a complaint with FTC, police and sent Capital One a completely filed out ID THEFT AFFIDAVIT. 

I HAVE FOLLOWED ALL THE ADVICE. I go step by step ensuring I do the best I can as I attempt to navigate name clearing process but I have come to a standstill with a VERY TROUBLESOME I have provided Capital One with a copy of : 1. Police report 2. FTC report 3. Signed Affidavit explaining my position AS A VICTIM OF ID THEFT 4. A COPY OF MY DRIVERS LICENSE 5 Two utility bills Then I checked XXXX XXXX XXXX and found out Capital one put a judgement lien on my house I dont know what to do than sue them for the money itll cost to remove it. 

Capital one used Gutter service, also known as sewer service, or when a process server claims to have served a particular person, like myself, when indeed he didnt. 

The result is that the person being sued finds out too late that they were due in court. 

I was never served, I had no idea I need to appear in court and a default judgment was filed. Then a judgement lien was put on my house. 

I first attempted to contact the process service company, however, it was no possible since they stated that person no longer worked there. 
I received a letter from Capital One on XX/XX/XXXX that was so superficial and insensitive that I know I have to sue. 


And on XX/XX/XXXX I mailed Capital One a LETTER OF INTENT TO FILE A LAWSUIT. 

Im suing for the cost to remove the lien they falsely put on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Experian Information Solutions Inc.
State: HI
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: Other problem getting your report or credit score

Complaint:
Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from Experian is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with Experian

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 2021-07-12
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX via telephone with XXXX ( BSI FINANCIAL ) I made a mortgage payment with BSI FINANCIAL as my mortgage was in the process of being refinanced with XXXX XXXX. I didn't want to incur any late payment fees. Unaware that XXXX XXXX had dispersed funds to close out my loan with BSI FINANCIAL on XX/XX/XXXX. BSI FINANCIAL took my regular mortgage payment a day after that disbursement. On XX/XX/XXXX I called BSI FINANCIAL and spoke with XXXX and informed her that I would like a refund of my XX/XX/XXXX mortgage pymt since XXXX XXXX had dispersed funds on XX/XX/XXXX and BSI FINANCIAL took my pymt on XX/XX/XXXX via telephone with XXXX ( BSI FINANCIAL ). XXXX said once everything was processed that I would receive a refund of that XX/XX/XXXX mortgage payment along with my escrow payments. On XX/XX/XXXX I called BSI FINANCIAL and spoke with XXXX who said a check was sent out on XX/XX/XXXX. The check from BSI FINANCIAL was my escrow payments only. So I called BSI FINANCIAL again on XX/XX/XXXX and spoke with XXXX who stated no other funds would be refunded to me. Usually you have 2 months after a closing before the first mortgage payment is due. I received a mortgage note from XXXX XXXX ( the refinancer ) that my first mortgage pymt would be due XX/XX/XXXX. So I called XXXX XXXX ( XXXX ) since this was not two months between closing to verify this first payment date and he said that XX/XX/XXXX was correct. Please look into this as I believe BSI FINANCIAL or XXXX XXXX owes me that XX/XX/XXXX payment. I didn't have my 2 months between the closing before the first payment was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Per XXXX XXXX XXXX I need to file an FTC report for fraudulent inquiries on my credit report for them to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions 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:
I have tried to speak with a real person at Experian for one week now. Called 3 different numbers getting the same results no matter what combination of numbers I push. I applied for a dept consolidation loan. Experian is showing 4 new hard inquiries on my credit report from that company that I applied with but the company is not receiving the report to process. I have tried every number including speaking with the XXXX call center which I actually spoke to a REAL PERSON. She said that I had the wrong number and gave me the supposed number that I have been calling for a week. 

think what is going on is I applied for a loan that experian suggested through an email i recieved through XXXX XXXX but I was shopping around and tried a different company. I know that experian gets a kickback for this application so I am wondering if they are blocking the report to the other company because of there vested interest. This is beyond frustrating!!!!!! And on top of all that this agency CFPB tells me it will take 15DAYS!!!! for anyone to see this complaint! WHATS THE POINT!!!!! 

There is no freeze on my credit report!!! 

What in the world is going ON!!! 

Will anybody listen!!!!

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. TransUnion responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. XXXX and XXXX  has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX TransUnion XXXX. XXXX XXXXXXXX XXXX PA XXXXXXXX

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 2017-06-06
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received an email from ACS on XXXX XXXX, 2017, prior to this date I had not received correspondence from ACS. This lack of communication hinder my ability to pay and to update the company about my medical XXXX. I need to access information on the loan to make a full payment an close the account, but the ACS website does not allow me to register and gain access to my loan information. I am left unable to pay as interest accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Synchrony Bank has made a hard pull on my credit report on XX/XX/2019. I immediately notified them. They informed me that an investigation would be performed. The results from that investigation was that they made an error and that they would remove the hard pull from my credit report. I have spoken withXXXX, XXXX, XXXX, XXXX. I have also reported the information to the XXXX twice because, even after they admitted to the mistake, they have yet to correct their error. I have correspondent with them via phone, email and letters. I also have a recorded conversation with them. It is now XX/XX/2019 and they have not removed the inquiry that they made on my credit report. I have now had to freeze my credit reports to ensure they do not attempt to pull my report again. 
XX/XX/2019 XX/XX/2019 I contacted Synchrony Bank to let them know of the error. They told me to send a copy of the report to show the error and I did. 
XX/XX/XXXX : Company tells me it will take 6 weeks to finish the investigation XX/XX/2019, I contact the company and they told me the 6 weeks does not include weekends. 
the company tells me they are still working on my case and it will be finished in 6 weeks  XX/XX/2019 reported to XXXX XX/XX/2019 company responds telling me to contact via email XX/XX/2019 company admits to error XX/XX/2019 reported to XXXX XX/XX/2019 company responds and tells me they will do check to see why it hasn't been removed as I was told XX/XX/2019 reported to XXXX XX/XX/2019 company responds via email and ask me to send the same information again XX/XX/2019, I now report to CFPB and will report again to 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 2021-07-06
Company: EQUIFAX, 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 would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$490.00} $ Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3500.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}

Company response to consumer: Closed with explanation