BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: FL
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 do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-06-20
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson Capital System has been reporting a collection account on my credit reports for {$390.00}, this has been on my credit since XX/XX/2018. I have sent letters advising I was victim of Identity theft, and they never furnish information to confirm this was my account. They need to delete this account from all my credit reports. I am in the process of purchasing a home and this looks bad for a mortgage and my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this company is attempting to collect money from me and reporting a debit I don't own to my credit report resulting in financial hardship due to negative credit impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08
Company: Experian Information Solutions 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 DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since XXXX  is unable to help me remove this, CFPB please delete the account 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 explanation
Consumer complaint received 2021-08-13
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
Report states last payment XX/XX/2017 which is incorrect. Balance is incorrect. Payment history is incorrect. Due to medical issue a deferment was approved to avoid late payments. However late payments were still reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: R & B Corporation of Virginia
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2018, I sent a certified letter to XXXX XXXX XXXX which was received on. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question or XXXX XXXX XXXX. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I spoke with the representative at Capital One about my first CFPB complaint. Their response : " On XX/XX/2019, we sent a request to the CRAs, asking them to report the authorized user XXXX XXXX on your account. The confirmation number for this request is XXXX. Please note it may take up to 60 days for the agencies to update their records and they have their own internal guidelines on what information they choose to report on a customers credit file. '' After contacting them towards the end of the 60 day mark with no resolution to the origin problem, they informed me to resubmit a complaint because they don't know why the original request didn't fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
Company refuses to send me proof of debt. If I have this info, I can do a better job of pursuing clearing this fraudulent debt from my name. Currently, I have zero information about this debt. I have filed an identity theft report via the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Checkr, Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On my motor vehicle report it shows on XX/XX/2017 that I was involved in an accident. It does not show where the accident was at no fault of my own. My car was parked when another vehicle hit my vehicle. When current and future employers look into my motor vehicle report, it will look like I was driving when the accident happened and could get the employer to reject my application. Please look into this matter because it could hurt applicants from the way Checkr Inc. posted the accident in the motor vehicle report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is stating that I owe over {$600.00} dollars in debt to the XXXX XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX and they do not show a balance on my account. I do believe I paid them slightly past the due date but I did call and settle the bill with XXXX. XXXX is stating that I will still owe the money with them and it could affect my credit. If XXXX shows no balance than there is nothing to report on my credit and no reason that medicredit should still have reason to call my wife and I four times a day.

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 2018-08-28
Company: DCN Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Tuesday, XX/XX/2018 I received by postal mail a " final notification '' in an " attempt to clear a balance '' from " XXXX XXXX, '' XXXX, Florida on behalf of " XXXX XXXX XXXX XXXX '' suggesting that I pay them {>= $1,000,000}!!! This is clearly an attempt to initiate contact with the intent to defraud.

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 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Greetings, This has been a constant battle with all the different breaches going on with our personal information. I found out that my info was sold on the dark web and I have been fighting these for awhile. I have a bunch of inquires on my credit profile for credit that I did not apply for and I expect them to be removed immediately or I will be taking action with a lawsuit. These have all been done without my permission and fraudulently XXXX   Inquires not made by me. 

XXXX XXXX - XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 TRANSUNION Inquires not made by me. XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX/XXXX-XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 and XX/XX/2018 XXXX inquiries not made by me XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018

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 2021-06-25
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my house in XX/XX/XXXX and XXXX XXXX XXXX has been the loan servicer. I do not have any issues with XXXX XXXXXXXX XXXX. When I came back from a 1 week vacation on XX/XX/XXXX I had a letter from XXXX XXXX stating that my Loan Servicing is being transferred to Flagstar Bank. The letter has a notice date of XX/XX/XXXX. The letter states that as of XX/XX/XXXX I should send all payments to the Flagstar Bank. My payment is due on XX/XX/XXXX. It is XX/XX/XXXX and there are only 3 more business days until my next payment is due. I have not heard anything from Flagstar. I proactively went to their website and tried to register to set up payments but I am not in their system and was unable to create a login. I find this unacceptable. I do not think it is reasonable for me to have to get a payment to a new servicer in less than a week nor is it acceptable to be left in the lurch about what is happening. The following is the contact information that XXXX XXXX provided for Flagstar Bank. 

Flagstar Bank Customer Service Department XXXX XXXX XXXX XXXX, Mi 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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Late XXXX, I was offered a full student loan discharge due to my XXXX XXXX, XXXX U.S. Military Veteran Status. All of my student loans were discharged or forgiven ; XXXX and XXXX  are accurately reporting this data, but Transunion still shows these accounts as active. 

Today, XXXX, I attempted to file a dispute online with Transunion, however, the dispute feature is not available and there is no method of contact reported on Transunion 's website.

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 2019-05-23
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: Was not notified of investigation status or results

Complaint:
I've sent FOUR certified letters toTranUnion over the course of SIX months, asking for proof of verification of four items on my credit report. I asked for information on HOW they verified, WHO at their agency verified this information and that if they can't provide this information to please remove this info, per the FCRA. 
In each case, they only responded that they verified ( not how, not by whom, etc ). It appears to me that they may have only contacted the creditor for verification, without providing me with documentation as to how/who verified this ( on the creditor 's part nor the CRA 's part ). 

Per the FCRA, I ask that these tradelines be removed from my credit report due the the credit reporting agency 's multiple violations of the Fair Credit Reporting Act. 

I have copies of ALL of my correspondences with the CRAs ( including certified confirmation of receipt of my correspondences by the CRAs ).

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 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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 2021-02-24
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i do not owe any debt to this company we do not have any written documents or contacts stating to pay them money according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Professional Credit Management, Inc
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX # XXXX ... XXXXXXXX XXXX ACCT # XXXX ... XXXX XXXX # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Coastal Credit, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to this company several times one time I was offered a debt settlement then they took out a different amount and I kept requesting everything in writing they never sent me anything in writing for verification of the final date or a final that agreement none of which was ever sent to me. Now Im getting calls from a company called coastal XXXX and yet there I requested debt validation and original call original copies of the of the agreement none of which has been provided to me coastal XXXX has a number of XXXX I asked them for a fox a mailing address or an email and then it which has been provided to me also

Company response to consumer: Untimely response
Consumer complaint received 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent for my credit repot & saw ir was low, so contacted Transunion, got the report and from there Transunion file # XXXX & 547 days later, the negative is NOT ME as I reported Identity/cyber theft how/why isn't it fixed after 547 days??? 
I called TransUnion on Wednesday, XX/XX/2018 inquiring to the status and the lady filed yet another ( 4th ) dispute??? I followed every direction and I thought it would be corrected by now?! 
I put fraud alerts on/with Transunion yet places i.e. XXXX XXXX still using my name? They l Transunion it seems did not provide other credit agencies that I am victim of cyber/identity theft so my credit is so low for my paying everything like a responsible person and no-one contacted me to ask if it is me taking out school loans when I paid mine off earning XXXX XXXX XXXX and paying it ...! 
My HELOC is now over {$100000.00} and I did not use any $ $ yet Transunion put fraud alert and money was directly being withdrawn as agent there should be {$1000.00} in that account insttera I owe all of that and got a phone call saying I can eaxgtend my HELOC although XXXX said it was closed but could not tell me why over seven ( 7 ) years ago????? What is going on because XXXX XXXX just giving me the run-around and I want my {$10000.00}!!!

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