BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: LA
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 disputed the XXXX XXXX XXXX XXXX on my report with experian. The loan was made in XX/XX/XXXX and It wasn't mine it was my husband loan it has been on my report since XX/XX/XXXX and every time I dispute it they change the date on the information and then tell that it's been updated. The loan was in XX/XX/XXXX and this is XX/XX/XXXX I paid off the loan and they are still refusing to delete the account from my report even though the time frame has exceeded the statue of limitation they keep changing the date and telling me they updated the account after it was verified to be mine. I am not saying it wasn't mine because it was my late husband 's account but I did pay it off and the time frame has run it's coarse.

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 2023-01-02
Company: EQUIFAX, INC.
State: NC
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 NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnishers and they do not have information pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belongs to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 attached an FTC report with inquiries I did not authorized, delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting Resurgent Cap Srvs Lp to be removed from all 3 credit bureaus this is not my debt of XXXX and I will pay for a debt that does not belong to me. I am requesting copy of contract that has my name on it .This is fraudulent to attach it to my credit report and try and collect a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a statement from POrtfolio Recovery Associates on XX/XX/19 reporting an outstanding debt {$650.00} owed to XXXX XXXX XXXX. They were threatening and demanded immediate payment. I was flustered. They asked for my social security number and I gave it to them. They then asked if I lived in Arkansas. I said no. Never. They threatened again wanting payment. I refused and hung up. After that I noticed my first and last name were correct in envelope but the middle initial was incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXXa $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told 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 2019-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
*XX/XX/2019 someone fraudulently tried to open an account with ( XXXX XXXX/ XXXX XXXX ) *XX/XX/2019 someone fraudulently tried to open account ( capital one bank USA ) *XX/XX/2019  someone fraudulently tried to open an account ( XXXX XXXX, XXXX XXXX ) *XX/XX/2019 someone fraudulently tried to open an account ( XXXX XXXX, XXXXr ) XXXXXX/XX/2019 someone fraudulently tried to open an account ( XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof The following account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I mailed a certified letter dated XX/XX/2018, which was received and signed for by USAA on XX/XX/2018 requesting validation to an account showing on my Credit Reports as Charged off. This letter included the account number as shown on my credit reports, and all of my personal information. USAA did not reply. I sent another certified letter dated XX/XX/2018, which was received and signed for by USAA on XX/XX/2018, again requesting validation to their reporting on my credit report. On XX/XX/XXXX, USAA replied with a letter stating that they received my request disputing information on my credit report, and they will not investigate this dispute. On XX/XX/2018, I sent a third certified letter, which was signed for on XX/XX/XXXX, by USAA. This third letter stated, USAA has still not validated this account, nor have they marked it disputed, which violates Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.  USAA replied back with another letter dated XX/XX/XXXX, stating they received my request disputing information on my consumer report, and they will not investigate the dispute further, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX XXXX ) Fraudulent inquiry XXXX XXXX XXXX date of inquiry ( XX/XX/ )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: Braviant Holdings, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowered {$2500.00} on XX/XX/18. After 11 payments of {$320.00} at a rate of 276 %, the payoff effective today is {$2400.00}. The terms of the truth in lending state it is a simple interest loan compounded daily. The term of the loan is for 30 payments. 

My concern is the company is not simple interest and is front loading all interest contrary to the truth in lending. My payoff by my calculation should be approximately {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
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:
The account # XXXX for the creditor : XXXX XXXX XXXX XXXX has been paid in full and should show a XXXX balance. The report from XXXX  shows a balance of {$11000.00} which is incorrect. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX on report # XXXX ( from XXXX ) for credit XXXX XXXX XXXX XXXX has been paid in full and shows a balance of {$11000.00} on my report. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX on my Transunion report ( # XXXX ) shows a incorrect balance of {$11000.00} which should show XXXX and account paid in full. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full.

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 2019-06-03
Company: USCB Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 ... I sent a dispute to the credit bureaus requesting verification of this account, also I asked for debt to remove off my credit due to no supporting documents that this my account. Also this company can not provide any documentation with my signature to verify this was 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 2021-02-11
Company: CITIBANK, N.A.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Home Depot has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.

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 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 paid off an account XX/XX/2020. I disputed the amount because when they reported on XX/XX/2020 they report a payment but not that that was the final payment and the account was XXXX. TransUnion states they investigated and said they ended the investigation on XXXX XXXX and I still owe a little over {$2100.00}. I called XXXX XXXX and told them I dont see how XXXX and XXXX have a XXXX balance and they are still reporting {$2100.00} as of XXXX XXXX when it was paid XX/XX/XXXX and the company sent me an email when I called them before XX/XX/XXXX saying it was XXXX. Also got an email today ( XX/XX/XXXX ) from the manager stating it is XXXX after I got off the phone with them.

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 2020-09-20
Company: CBC Companies, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EFFECTIVE TODAY THE FOLLOWING CRA ARE PROHIBITED FROM PULLING MY CREDIT PROFILES AND DATA, FACTUAL DATA, XXXX, XXXX, XXXX, WE WILL BE FILING A CLASS ACTION EFFORTS INCORPORATING ALL FURNISHERS, CRA ETC.. XXXX  XXXX HAS ELECTED TO SUPPRESS OUR FILES SINCE XX/XX/2015 IN VIOLATION OF THE F.C.R.A. 15 U.S.C. Section 1681g and THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Bull City Financial Solutions, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a debt that keeps being re sold and transferred to various Collection agencies from XXXX XXXX in North Carolina in the amount of {$280.00}. I Do Not owe this debt and have had it removed from my Credit report on several occasions only to be re-added by another Collection company and the time it is Bullcity Financial. 

They are claiming that I owe money from a 2018 power bill which is false because I sold my home in XXXX, NC in XX/XX/2018 and my final power bill was paid directly from the deposit of {$300.00} that the power company held since I opened that account. I had spoken to a XXXX XXXX representative about this before I sold my property and moved and it was confirmed that I owed nothing to them. 

Bullcity Financial is nearly impossible to reach as were the other companies and they are the third or fourth company whom this debt was transferred to and I need it completely removed from my credit report. I requested that they transfer it back to XXXX XXXX so I can XXXX it out with them directly since these third party collectors just buy accounts and stalk us consumers endlessly and illegally in many cases where they simply move the erroneous debt under another Collection Agency name and have it added back to my Report so we are perpetually fighting the same debt over and over until we cave in and pay them just to get rid of them. 

Please help me remove this I have been writing letters and removing myself for over 2.5 years now with no resolution. If I owed {$280.00} I would gladly pay it as I am not one to skip out on my bills or obligations but this is utter nonsense and ridiculous to keep stalking me when it has been removed from my Credit reports on several occasions. I feel what these Collection agencies do to us consumers is criminal in many cases and we need to be protected as consumers. 

I am so grateful for all of your help and thankful to have an agency like Consumer Finance around to help us in times like these.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: CIT BANK, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
In XX/XX/XXXX the property was purchased for $ XXXX and inXX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They have been calling saying we owe XXXX but they can do a hardship now and we can make 3 payments of XXXX starting today. They said they are from XXXX XXXX XXXX and if it is not resolved today then hsbc which is closed according to the woman we spoke to. That hsbc will be sending a law suit to XXXX County for the full amount and we will be required to pay the full amount in court. They knew all of our information last two places we lived last four of our ssn. They emailed us a letter with an address of XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. Phone number XXXX. I have called hsbc bank to see if they have any information for an old account and they do not. I called XXXX XXXX because the woman said XXXX XXXX took over the company. But XXXX XXXX had no information. I called XXXX to see if they had any information on this on my husbands credit report and they have nothing. The woman who called us also mentioned that this account is old and will not show up on our credit report.. which was weird to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
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: Account information incorrect

Complaint:
EXPERIAN IS REPORTING INCORRECT INFORMATION! THEY ARE REPORTING I AM NOT MAKING PAYMENTS ON TIME AND I HAVE BAD PAYMENT HISTORY!

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 2019-09-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a personal loan with XXXX XXXX on XX/XX/19. I paid the loan off on XX/XX/19. XXXX XXXX and Experian both have that I still owe $XXXX. I contacted XXXX XXXX and they told me that they reported it paid off on XX/XX/19. It was last updated on my report on XX/XX/2019.  I spoke to a rep at XXXX XXXX and they said that the amount they have is correct.  They attachment shows it is not correct and neither credit bureau have updated the account since XX/XX/2019.

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 2020-09-21
Company: Convergent Resources, 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: Information belongs to someone else

Complaint:
These accounts were opened through methods of fraud and i have no knowledge of these accounts i would like all relevent documents sent to me personally as i am not under contract with any of these companies nor was i notified of any debt collection attempts all rights granted to me under the FDCA and FDCPA are in violation right now and i would like all of these companies to stop reporting to credit profiles asap

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 2023-04-05
Company: EQUIFAX, INC.
State: PA
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:
Fruad account appearing on credit report. 



XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation