BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXXXXXX. Please update 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 2019-11-12
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is charging me and have a collection on my credit report when Ive paid the debt and do not owe anything. When I left the apartment I have pictures of the condition it was clean and I also have live videos and the movers as witness. I also have old work orders that were never taking care of which they are trying to charge me for issues that were already going on when I moved in. I will take this company to court and sue because I do not owe any debt at all.. I paid the debt that was owed and I will sue ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB step up, The account was not late on the months reported on the my credit report. How can it be possible to have 30 days past due and 60 days past due on the following month. This is simply ridiculous. Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 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 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent XXXX and transuion Police report and Ftc report on the XXXX of last month showing this account is not mine and to please at least verify me with proof that ist mine and they just said verified. I would like this deleted from my XXXX and Transunion file.

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 2020-12-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These 3 accounts are not mine and it keeps being reported on Experian. Please remove them I am not sure why they keep popping up on my credit reports.

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 2023-05-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX TXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CITI XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX  XX/XX/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 2021-11-03
Company: LOBEL FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 I totaled my car I had Lobel financial insurance on my vehicle at the time, I was laid off and have not received unemployment like many thousands of Americans at the time. I totaled my car due to a DUI I called lobel after the accident and the brainless representative told me that their insurance does not cover DUIs and left me with the total debt of the car I was paying insurance over {$200.00} extra on top of my car note and they refuse to cover any part of the total loss. would not work with me at all they told me not to worry about the monthly payments and they will figure this out. One week later they closed my account and sent it to collections I was unemployed and had no unemployment coming in due to the overwhelming numbers of Americans trying to get unemployment in the beginning of the beginning of last year. I now have a collections of {$15000.00} I was served a couple of days ago and they are suing me for the amount, I've called lobel financial and talked to so many representatives and they've all just told me I'm out of luck and I have to pay off the whole thing they did not help me at all I paid over {$200.00} in insurance and they didn't cover not one part I am scammed Lobel financial has already been sued for the same exact thing and I am now another victim if their scam insurance I have court in less than 20 days they are suing me. I want a lawyer I want someone to help me counter suit this corrupt company they damaged my credit, they took my money for a service that they never provided they scammed me. I will do everything and use the lawsuit filed against them recently seems they haven't learned their lesson on the lawsuit they recently got against them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: FinCo Services Inc DBA Current
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of identity theft. Current banking app. Not once. Not twice. But three times allowed unauthorized individuals to take thousands of dollars of my money and left me stranded stuck out and not giving me provisional credit of which they informed me that I was entitled to. 

This most recent event XXXXcurrent Every transaction made on the account after that date was fraudulent due to the fact that I had lost/it was stolen, my phone ( the case is a wallet ) I am assumsing ( pure speculation ) by someone who knows me or presumably watched me pay for gas at the pump before. 

I disputing almost XXXX worth of transactions, as well as fraudulent XXXX XXXX transactions, uploaded to them proof of my identity theft affidavit with the irs as well as my ftc identity theft report. Signed affidavits, etc and nothing. They denied absolutely everything. When I asked for an appeal they said sorry, the results of the investigation are final they dont do appeals. Offered to file/submit police reports on ALL occasions. Their were three teen accounts with random names for which my account was being charged for. They denied this and removed the accounts, said they added XXXX login ( not true ) and charged me another XXXX to ship me a card. The last dispute in question is still under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: TX
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:
Please update my account as soon as possible as I am having difficulty accepting this issue and it is affecting my ability to sleep. I urge you to remove any inaccuracies and confirm that I have always made timely payments, as this situation is causing me a lot of anxiety.

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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
We have tried over and over to understand what is going on with our auto loan. We make our payments on time and somehow I have a small past due balance on here. We have paid it but it keeps rolling over in to the next month with fees and I don't understand why. This continues to report late on my credit report as lates and drive my score down. I don't even know what is happening and when I call, I have no answers because we are not late. I had one person tell me that these shouldn't even be on here and they were going to speak to management, we never heard back.

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 2021-10-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: KY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-14
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification which was temporarily approved for 3 mos. The payments were being submitted as agreed. I attempted to make the 3rd and final payment but it was declined. Caliber Home Loans stated that they discovered a title lien on my property. I advised  them that it was not me. My temporary modification was revoked. I did my part and reached out to the lawyer offices and XXXX XXXX XXXX XXXX XXXX. All companies involved agreed and stated that it wasn't me. However, Caliber Home Loans didn't take the time to investigate or contact anyone. They wanted me to produce a letter from a law firm stating the above. The law office in turn stated that for legality purposes they couldn't produce a letter since I wasn't a client and the mortgage company is well aware of this fact. The law office stated that all Caliber needed to do was call them to verify that I was not the person listed in the judgement. I resubmitted several loan modifications and an appeal which was denied. I was only given the option for a short sale or deed in lieu foreclosure. At this point, my home is about to foreclose simply bc of an error and someone failed to do their job. I'm currently working with a law firm who has verified that the lien isn't mine and helping me with some options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Back in XXXX of 2018 going forward I made payments to PayPal monitored by Synchrony Bank and there was an accounting error in the transaction. It registered as an expense rather than a payment. This happened with each payment for several months and Synchrony Bank said the amount I owed was at a point where they penalized me with outrageous interest fees. My current balance is about XXXX $ and it should be around XXXX . I called them and they put my account on fraud alert and because of that they want me to send them a picture of myself along with a photo Id and I refused for fear of identity theft. They responded by mailing me form letters that showed no trace of a verification code to use when I called. This happened six times. I called again and as always got the run around. They are harassing me with form emails constantly. They simply wont help me outright. I need help. My credit score is in jeopardy.

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 monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-04-25
Company: Finance System of Richmond, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company says they have contacted me and that I stated that I am a single mother and couldn't pay my debt but its not true I am married and have never received a call or a document from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an update and a continuation from a formal and closed complaint filed with the CFPB for this same collection company that is continuing to harass me and continue to collect a debt that is not mine and that this company agreed to close and remove any negative notes to my credit file ( which they did ). 

Beginning on Friday, XX/XX/XXXX, I received an auto dialed recording to my place of employment ( federal government ) at exactly XXXX XXXX. After a simple XXXX search of the number, I found that it is it is tied to AR Resources and consumers have complained of these same types of calling coming from the same number on their XXXX page. Today, Monday XX/XX/XXXX. I received the same time call at XXXX XXXX. Both have been saved in my work phone inn the case legal action has to be taken. I had to XXXX the number because the recording does not inform you of who is calling and jut says to " please call XXXX '' In CFPB complaint XXXX, AR Resources responded to the CFPB agreeing to close this account so for them to start attempting to collect a debt I have no knowledge of over a year later is very surprising. What is more surprising is that they were sent a validation letter on XX/XX/XXXX which clearly informed them that they were not to contact me by phone so this is a clear violation and a backdoor attempt to try to continue to harass me for a debt that is not mine. Since this case was closed through the CFPB investigation process, I have heard nothing from this company by mail or any other communication until they started auto dialing my job on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
did not receive a court order to appear in court, being garnish for over 400,00 monthly by XXXX XXXX XXXX, no name on papers as to what co. I assume it was from XXXX XXXX XXXX for a credit card from XX/XX/XXXX or XX/XX/XXXX balance on card was XXXX XXXX, their bill XXXX XXXX.i received a check from XXXX XXXX XXXX dated XX/XX/XXXX. I paid insurance monthly covering the card in the amount of XXXX never cashed it first garnishment was XX/XX/XXXX no way I can afford this. Complaint # XXXX same as mine. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: DISCOVER BANK
State: AZ
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:
On XXXX XX/XX/2021, Discover Financial Services was provided a one-time verbal authorization to run a hard credit check in order to obtain a small personal loan. During this process ( on the same call ), the Discover Personal Loan representative stated that their computer system was down and they were unable to complete my application. On XXXX XX/XX/2021, a hard inquiry from " DISCOVER FINANICAL '' appeared on my XXXX XXXX XXXX XXXX XXXX. 

On XXXX XX/XX/2021, I called Discover Financial Services to resume my application. I informed the new representative that a credit check had already been completed, and they acknowledged this in the affirmative that a second hard credit pull would not be completed. During this call, the small personal loan application was completed and submitted. At no time did I provide my consent to a second hard credit pull. On XXXX XX/XX/2021 ( while on the phone with Discover Financial Services completing the application ), I was alerted to a hard inquiry from " DISCOVER FINANICAL '' by my Credit Monitoring company. After checking, a second hard inquiry from " DISCOVER FINANICAL '' appeared on my XXXX XXXX XXXX Credit Reports ; in addition to the hard inquiry from XXXX XX/XX/2021. 

I contacted Discover Financial Services multiple times via phone to have this resolved, and they maintain that they do not see the second hard inquiry and have refused to issue a correction to XXXX or XXXX. 

On XXXX XX/XX/2021, a, XXXX page written notice to correct was sent to Discover Financial Services at XXXX XXXX XXXX, XXXX, DE XXXX via certified mail. This notice is attached, and included complete credit files from XXXX, XXXX XXXX XXXX with the duplicate hard enquires tabbed and heighted for their review. 

On XXXX XX/XX/2021, Discover Financial Services responded to this notice with a letter stating that they do not see the duplicate inquiry and stated it may be from a promotional offer. This letter is attached. 

As of XXXX XX/XX/2021, There remains XXXX hard inquires from " DISCOVER FINANICAL '' from XXXX XX/XX/2021 & XXXX XX/XX/2021 on my XXXX XXXX XXXX credit reports, of which Discover Financial Services were provided direct, hard copies of in my written communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: Cadillac Accounts Receivable Management
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: Information belongs to someone else

Complaint:
XXXX XXXX  made this account under  XXXX XXXX credit report shows on here fraud account XXXX  never sign for this false address  XXXX XXXX XXXX XXXX XXXX mi XXXX false address XXXX not live there 20 years now.

Company response to consumer: Closed with explanation