BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CITIBANK, N.A.
State: AZ
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 had a Sears credit card through Citibank that was closed in XX/XX/XXXX or XX/XX/XXXX with about a 5 year repayment program at zero interest. All payments were made in full and on time until the coronavirus, or covid-19, hit in XXXX. I contacted them as my XXXX  were mandated closed plus XXXX XXXX used the writ of force majeure to cancel months of bookings at my XXXX  with no notice and without the contractual compensation. Additionally I am a XXXX XXXX XXXX and that was obviously shut down. 

I contacted Citi to explain that it would take me a couple months to navigate and figure it out as I was facing an instant $ XXXX loss with no notice. They stated that as long as the loan was paid off in full by the end of the agreed upon period ( one of the accounts is already fully paid ) that it would not be an issue. 

After a couple of months of figuring things out I paid everything and caught the accounts up. One is paid off and one is now completely current. Despite this Citi has reported me to the credit bureaus as having been late. They offered NO covid-19 deferment or patience and they lied about their procedures. One rep wouldn't even tell me what the protocol was. 

My credit tanked as a result of this reporting. It was used against me by other banks to close many of my cards and lower the limits on many others to exactly what I owed. Some accounts went from an {$8000.00} credit limit to the {$1000.00} that I owed them. This has destroyed my debt/income ratio. When I have tried to use my credit since it is used as the reasoning for denial. 

This will not be on my credit for 7 years apparently, rendering over 4 years of perfect payments completely meaningless. It is preposterous to do this to an individual who has lost their source of income at a moment 's notice without warning due to no fault of their own from this act of God. This was a force majeure event for me as well, and if banks and corporations can use this legal precedence against a consumer then I should be allowed the same grace against them. 

I caught these accounts up and I have as close to a perfect payment record as you can get.

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 2017-09-13
Company: Consumer Portfolio Services, 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:
Past creditor, Consumer Portfolio Services is purposely reporting in accurate information to XXXX Credit Bureau Agency. CPS has been cited by the Federal Trade Commission due to unfair unlawful business practices. My car was repossessed back in 2014. The account status should be noted as " repossessed-charged off-closed ''. The company is reporting to the credit bureau agency as 30-60-180-days past due, also failure to pay. I would like for this company to stop the illegal business practices they are still committing. Again, CPS has been cited by the FTC for their unlawful business acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: JPMORGAN CHASE & CO.
State: AL
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 reached out to XXXX several times in attempt to have this fraudulent inquiry removed I was told that I need to call and contact the original creditor that placed this inquiry on my report. I have made several attempts to get chase bank to contact the bureau and remove this inquiry that was not authorized by me. They seem to not be able to get me to the right person to take care of this issue no matter how many attempts I have made nobody seems to understand what I'm talkin about. I want chase bank to have this fraudulent inquiry removed from my credit report before I take legal action. I I have never requested any kind of credit with chase bank or hold any account with them. I have an iquiry from XX/XX/2019. I want this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After several disputes throughout the years, XXXX still insists on reporting inaccurate information to the credit bureaus. The title loan company took possession of the vehicle and resold it for a profit. Thereafter, the title loan company still insists on reporting negative information to my credit report. There is no judgement in this particular matter. Needless to say, this is something that initiated approximately 7 years and should not be on my credit report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously submitted info to all three bureaus advising of accounts that we not mine and should be removed. The accounts have since then been clears from my reports except from Experian. In a recent report mailed to me from this company I see a XXXX  and XXXX XXXX accounts show on there and both of which are not my accounts and needs to be taken care of properly. The two accounts on my report is making it difficult to grow credit wise

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 2021-07-15
Company: CITIBANK, N.A.
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-11-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised this is my FIRST WRITTEN REQUEST. The unverified item listed on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home and received a conventional loan. The purchase price of my home was XXXX Since that time, I have paid my loan down UNDER 78 percent of the Loan to Value, and they continue to charge me PMI. 
This is to fall of automatically once I reach 78 percent of my loan and I am now at 77 percent of the original XXXX I am being told I need to order an appraisal and spend XXXX on this. This is not true, it says in my closing papers that once I reach 78 percent of the original purchase price the PMI will come off. 

Not only that, I am being told that I have to write dispute letters to get the PMI off. This is ridiculous. They need to check my loan and remove the PMI. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THOSE ACCOUNTS ON MY CREDIT FILE. PLEASE INVESTIGATE YOUR CREDIT REPORT AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT 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 2017-11-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
receiving numerous debt collection letters from LVNV XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them money, they claim they purchase debt from XXXX but will not provide debt validation letter. 
I do not want a copy of contract with XXXX. I owed XXXX but not LVNV I need transfer or assignment of transfer to LVNV. 
they have violated the FDCPA Act please review the attached letter and documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: OH
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:
Good afternoon, I am XXXX XXXX. I am a victim of identity theft. I have listed the accounts that I did not create. This is wrong and I ask that all items be deleted. I need these items deleted. So, the correct information is listed on my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

God Bless, 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 2021-11-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-17
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I notice I had an hard inquiry on my credit report on XX/XX/2019 for a credit card from syncb/amazon. I did not request a credit card. 
This is all the information I have about the company Syncb/amazon XXXX, FL 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 2021-11-08
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX Capital Accounts called me to collect a debt that belonged to my daughter. I proved to them that the debt was not mine but instead ignored the proof and place the collection of {$280.00} on my account. The debt belongs to my XXXX year old daughter. Date of service is 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 2021-07-15
Company: Simon's Agency, 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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
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 disputed two accounts that don't belong to me with Equifax, XXXX XXXX XXXX XXXX XXXX, I received the results and they never looked into the disputes.

Company response to consumer: Closed with explanation