BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: TX
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:
In XXXX and XXXX of XXXX, I experienced technical difficulties with XXXX XXXX processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to XXXX XXXX to have these erroneous late payments removed. I never received any correspondence back from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Machol & Johannes, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was garnished in the summer of XXXX by Machol & Johannes LLC who represented XXXX XXXX XXXX   regarding an unpaid credit card. The balance of the debt was {$3000.00}. The garnishment totaled {$2500.00} dollars, and ended on XX/XX/XXXX. A payment plan was setup to pay {$200.00} a month for the remaining balance. The first payment began on the XXXX XXXX. I assumed the payments would discontinue after I satisfied the debt in full. They did not, and I had to revoke the payment plan in XX/XX/XXXX. 

When I contacted the Machol & Johannes LLC ( aka debt collector ) on the over payment there stance was until they actually receive the money from the garnishment, the balance will not change. It is Machol & Johannes responsibility to request the money from the courthouse. They have sent me letters periodically about paying the debt, and I contacted them again by phone XX/XX/XXXX regarding the debt. They still had not requested the money from the courthouse a year later. 

The latest letter I received from the debt collector was dated XX/XX/XXXX stating that I still owed {$2300.00} dollars, and they would settle with a lump sum payment of {$1100.00}. I contacted them on XXXX XXXX and they had no record of the garnishment money. I contacted the courthouse and was provided with a copy of the Judgement on Answer And Order to Pay which was filed by Machol and Johannes LLC on XXXX XXXX for the amount of XXXX. I was also provided with a copy of the check for this amount which issued on XXXX XXXX and mailed on XXXX XXXX. They state they have not received the check. 

I confirmed with the courthouse accounting department on XXXX XXXX that my garnishment account still has {$860.00} that has not been requested from the collector. When I informed them of this, they state they have no knowledge of the additional monies. They continue to misrepresent the amount I owe them and have kept this account alive for almost two years after all monies have been paid in some form. Machol and Johannes LLC currently owes me {$280.00} as I have overpaid on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
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:
XXXX {$96.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow ... You can not collect a debt twice ; it is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Account status incorrect

Complaint:
Good afternoon! In XXXX of XXXX I took out a vehicle loan with XXXX XXXX XXXX. The last payment was due XX/XX/XXXX. I had autopay set up because I was ( and still am ) in the military so the convenience of the payments coming out automatically was important. All payments were made on time from XX/XX/XXXX to XX/XX/XXXX. For the final payment, there was an issue with the autopay on XXXX XXXX XXXX 's end as it was closing out the account. I reached out to XXXX XXXX Services via phone immediately upon seeing it showed the account past due. I spoke with a customer service representative, who understood the situation, admitted it was an error on their end, and sent me an email to complete a document and send it to have the account ( which then showed delinquent ) properly updated to closed with no missed payments as they stated they do not update credit reporting via phone. I completed that form, which was a typical dispute form. I've attached the document XXXX XXXX XXXX sent me in XX/XX/XXXX. 

Upon going through my credit report in XX/XX/XXXX, I saw on one of my three reports ( Experian ) the account showed delinquent for a missed payment in XX/XX/XXXX, but the other two credit reporting bureaus were annotated correctly. I sent a dispute through Experian. Because it had been almost five years, I did not quickly have access to the correspondence with XXXX XXXX XXXX, so I was able to provide an explanation of the situation and not much else. Luckily within the last few days I was able to get access to the email XXXX XXXX XXXX sent me outlining the delinquency would be removed, and have since updated Experian with this information. 

In the meantime, XXXX XXXX XXXX has incorrectly told Experian the account was delinquent, and went a step further to update XXXX with the incorrect reporting information, meaning now - almost five years later - a new delinquency for an account closed XX/XX/XXXX is showing up in XX/XX/XXXX for the first time. 

I've since furnished the email to Experian so they can reopen the dispute, but can not provide it to XXXX due to the fact that XXXX does not accept updated information mid dispute, but rather must wait until the dispute is closed and then open a new dispute 180 days later. I do not want to prolong this incorrect information being on my credit report.

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 2022-02-07
Company: EQUIFAX, INC.
State: SD
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 never had an account with the XXXX XXXX XXXX! I was led to believe that the account i had with XXXX XXXX is the bank that i was paying on and then i found out from viewing my credit report that the account was with XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and transferred all over the place just to be told that i need to dispute the account ( s ) with the credit bureaus because they don't have any record of any accounts in my name and the persons that i spoke with stated they don't have the ability to remove the account ( s ) from my credit report. 

I also have received my credit report from equifax and there are inquiries from companies that i do not recognize and i don't believe that i would have requested that my credit be pulled when my credit report previously had freezes on it and and extended fraud alert. I do not know of these companies or why they have made hard inquiries on my credit they are : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

also, there is a student loan showing on my equifax credit report from XXXX and i did not have any student loans in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Byrider Franchising, LLC
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: Account information incorrect

Complaint:
Letter sent to XXXX to remove remark from credit report. Loan was closed through bankruptcy and is still being reported to credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Below I have listed the inaccurate hard inquiries. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
My credit score not going up like supposed to be like they cheating me refusing to up my credit score due paid installment loans in good standard conditions that not right an still getting denied credit card an my credit in good standard wrong an unlawful how credit bureaus company doing people with they credit report fraudulent companies what the point having good credit an can't use because credit report agency failed to up your credit like XXXX haven't not updated my credit score in 3 months still XXXX XXXX XXXX XXXX refusing to up my score illegally fraudulent activity happened with these companies fail to Left my score an false information with credit card telling me to apply an turn me down make hard inquiry on my credit report fraudulent activity this evidence Force me to apply for credit card an get turn down false information turn me down make be as hard inquiry false advertising false information an reporting me deceased illegally lied about that wrong an illegal report someone deceased

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was hacked for over $ XXXX through the Cashapp app. I tried to get help through cashapp to learn that the hacker was using the app as customer service. My bank investigation lead me back to cashapp as the responsible party whom never resolved my issue or refunded my money. Im sure this has happened to many others. Someone needs to be accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Over the past year or more!! I have been trying to get TransUnion to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. 20297 TRANSUNION LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that Trans Union Remove from my credit reports as well as inform XXXX  and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it s reporting to avoid my having to sue Trans Union for false reporting. Please see the attached showing that XXXX XXXX  does not have standing and never had any rights to bill me for the 32 yrs it has been collecting on this fraudulent account. This is in addition to the document experts proof affidavit already in Trans Unions records I already furnished them with previously stating my signature is forged and etc ... I want this fraudulent account report removed immediately. XXXX XXXX is hidden but the attached shows the mortgage was sold to XXXX XXXX then FDIC then XXXX XXXX XXXX XXXX, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.

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 2023-04-01
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: Reporting company used your report improperly

Complaint:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion continue to report negative items in my credit report that are over seven years old. They continue to report a XXXX XXXX that has been discharged. They continue to report late payments that obviours dose n't exist for over seven years. The two other reporting agency have done the proper thing in removing these items and making an accurate report.

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 2019-09-16
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: Public record information inaccurate

Complaint:
The dismissed bankruptcy on my XXXX, Experian, XXXX reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o 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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In accordance with the Fair Credit Reporting act XXXX  for the following accounts : Account # XXXX, Account # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX KY ), Account # XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-07-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a medical debt that I paid in full. When I first made arrangements to completely pay off the debt. I was told that they would fully remove the Collection from my credit report only if I paid the entire balance owed. I was given the opportunity to make a payment arrangement and make payments of XXXX per month until the entire balance was paid. I made all payments and even finished paying the debt back a month earlier. Today XX/XX/2019 I ran my report and the debt is still reporting on my credit. The balance looks like it is up to date but the debt is still reporting as a collection. Per the representative it should have been removed. I called CMRE Financial Services and they told me that they can't remove it that it is up to the credit bureaus to do it. I was mislead from the beginning and the statement about not being able to remove the item off of my credit report is hurting me with having to finance higher rates and not being able to qualify for new loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In reference to claim XXXXXXXXthat is currently still OPEN with the CFPB. Transunion never responded or gave updates. Instead, they automatically sent an automated response in the MAIL which I did not request, saying they did an investigation and everything I stated was inaccurate. I don't know how an investigation could be completed in a day over a serious matter in the still OPEN complaint that i have that's nowhere even resolved. As a consumer I am entitled by law to a thorough investigation, and I did not receive that. So, I would like to know how the information and investigation was " verified ''. Would like to know the exact PROCESS and PROEDURES used in said investigation.

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 2022-12-31
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 

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

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 2017-10-13
Company: LoanHero, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have constantly Informed this company that I do not want are need this loan I did not sign are agree to anything and they do not want to remove my information from there records. 
I have email this company serval times letting them know that I did not want this loan and that I did not sign anything they keep charging me and now are reporting inaccurate information to my credit bueral. I did n't give anyone permission to use my information are sign my name.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief