BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: Experian Information Solutions 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:
Experian is INCORRECTLY damaging my score. In at least the past 90 days Ive had 3 collection accounts REMOVED from my file, paid every bill on time and paid down my credit cards. My CC debt is very low ( less than {$1000.00} XXXX yet my scored has dropped from. A XXXX to a XXXX. My score should be XXXX not XXXX. My score at this point should be at lest a XXXX. In addition for OVER 6 months ( Even before COVID ) now the Experian online dispute tool has been XXXX. This should be fixed.

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 2023-05-30
Company: EQUIFAX, INC.
State: GA
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:
Equifax has completely denied me access to both my Credit Profile report and Scores in my attempts to dispute erroneous information being systematically placed on my credit profile that's been impeding on my abilities to gain any measurable employment and credit. Their willful actions is halting my ability to gain any meaningful credit and job to provide for myself and family. 

All hard inquiries on my Equifax credit profile as of the last month I had access do not belong to me, The only name that should reflect on it is my Full Legal Name : XXXX XXXX XXXX. The only address that it should entail is : XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX and my only personal phone number is : XXXX. 

XXXX XXXX XXXX with an account for {$1200.00} and XXXX XXXX XXXX with an account for {$580.00} are not mine and they must be deleted/removed off my credit report with deliberate speed. 



Equifax must follow aforementioned information provided and grant me access to my credit report with deliberate speed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: GVA Holdings, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I received an email from Bright Lending telling me my loan had been approved. I had not applied for any loan. My house recently burned down and I am currently trying to purchase a home and was told not to open any new accounts. I opened the email on XX/XX/XXXX and went to the website which had electronic signature information dated XX/XX/XXXX with an IP address out of XXXX AZ, I am located in WA state. I then emailed the company letting them know I had not participated in this at all as it was too late to call them. On XX/XX/XXXX I called first thing and they were very helpful and canceled the loan. She said that if the funds did transfer into my account they would be removed within a couple of days and would receive a cancelation email. I never received an email and {$1000.00} showed up in my account that day. I waited 3 business days and called again and was told it would take 3-5 days and my loan was officially canceled XX/XX/XXXX. I asked again for an email and did receive it timely. Today XX/XX/XXXX I chatted with someone online because the money had not been removed. I was told they would have someone call me but couldn't say when so I called myself. I was told that for them to remove the funds I had to complete an affidavit at indentitytheft.gov, take the affidavit and file a police report and then fax the police report to them to have the funds removed. WHO OWNS A FAX?! I was also told that my information was received from a third partY site XXXX. This loan was approved automatically they never contacted me to verify it was a valid request. I feel like this is predatory I did not and would not apply for a loan with a 699 % interest rate and they are making it extremely hard to return the funds. I now have to change my checking account information because I'm afraid they are going to start taking payments out. I've also frozen my credit hoping that something like this doesn't happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 remove them immediately from my report : 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 non-monetary relief
Consumer complaint received 2018-12-21
Company: R & R Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called R and R collections asking for any information or proof of this debt. I asked for all records of this debt thats on my credit report. The office manager XXXX informed me that " they do not keep any records in their office and can not send me any information whatsoever '' She told me to call the hospital because they do not have anything in their office to show proof of this debt which are two medical bills reporting on XXXX. The other collection on my report is from XXXX XXXX heating and air. This company is out of business for the last 5 years. So they can not validate this debt either. They also reporting this collection on my report 3 in all. I believe they refuse to cooperate with me, they refuse to send me details ..I have reported this to the credit bureau 7 times and they refuse to validate the debt. The credit bureau gave me your contact information to make a report and file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: DISCOVER BANK
State: NJ
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 following accounts are not mine and i need them to be removed from my XXXX credit reporting agencies. 

1. Identity Theft DISCOVER FIN SVCS LLC XXXX This is not mine 2. Identity Theft XXXX  XXXX XXXX  XXXX XXXX XXXX This is not mine 3. Identity Theft XXXX XXXX XXXXXXXX XXXX This is not mine 4. Identity Theft XXXX XXXX This is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
BELOW is a recently ( 3 days ago ) added Negative collection on my report ( XXXX and Transunion bureaus as of today ). A few weeks prior, I had filed disputes with all 3 major bureaus on different collections, including the one BELOW which is originally from a reported XXXX XXXX  debt, under a DIFFERENT NAMED Collection Agency. IT WAS REMOVED UNDER THE DISPUTE PROCESS. However, within days of it being removed, ANOTHER COLLECTION AGENCY is apparently able to get it put back on my credit report with a few variations in amount, etc. The 3 major credit reporting agencies are not checking into these collection companies, it is all my ( and others ) burden. BELOW has already been removed through the dispute process, yet reported again under a different collection company. HAVE IT REMOVED PLEASE AND DO NOT ALLOW OTHER COLLECTION AGENCIES TO PUT SAME COLLECTIONS WHICH HAVE ALREADY BEEN DISPUTED AND REMOVED, ON REPORT UNDER DIFFERENT COLLECTIONS AGENCIES BECAUSE OF SOME VARIATIONS. THE BELOW COLLECTION AGENCY SHOULD BE FINED FOR BUYING AN ALREADY REMOVED AND UNVERIFIABLE ACCOUNT. APPARENTLY, IS EASY FOR THEM TO GET AN ACCOUNT BACK ON MY CREDIT REPORT. CREDIT REPORTING AGENCIES NEED TO BE MORE DILIGENT IN CHECKING THESE OUT. 
XXXX XXXX HAS ACHIEVED THAT : XXXX XXXX  Last reported XX/XX/XXXX {$1000.00} Open balance XX/XX/XXXX Original creditor XX/XX/XXXX Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also you can not get incontact with TRANSUNION through website or telephone. I have tried for weeks now. Website not functioning, waiting on phone for hours to no avail. I understand the " coronavirus issues '', but if collection companies can get unverified collections on my report, then the customer needs to be able to dispute and/or get in touch with the reporting bureaus who need to be able to sort through and give customer service. The are not held to any standard in my 60 years of experience with credit and bureaus. The bureaus want to charge you for monitoring services, therefore, they don't seem to care much about having the report accurate. Please make these bureaus do their due diligence in protecting the consumer. IT is impossible otherwise to clean up wrongly reported credit collections because it is forever ongoing, intentionally. Thankyou.

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 2020-07-21
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX of 2019, I purchased a XXXX XXXX 2019 at the XXXX XXXX in XXXX, Texas. While the buying experience was pleasant, I did feel somewhat under pressure to purchase. I visited the location just me and my daughter. After the purchase, I felt like I had gotten a bad deal regards the monthly payment and considering that I have zero upgrades in the car but rather the base model of the XXXX line. This was the first time that I purchased a new car on my own and I lack somewhat of knowledge in that area. I was made aware by a friend recently that I had gotten a bad deal for a leased car with no upgrades and the car had 300 miles on it when I received it. My monthly payment is XXXX USD for 48 months. Furthermore, I have to pay for maintenance, I had to pay XXXX dollars to have my tires rotated. 

My current Payoff quote amount is : Residual Value : XXXX XXXX Remaining Future Payments : XXXX USD Lease Charge Rebate : - XXXX USD Buyout Amount : XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My auto insurance was cancelled on XX/XX/2020. On XXXX XXXX 2020 I was told I owed around {$1300.00} in order to keep the policy. A bill I received as of XXXX XXXX 2020 from XXXX XXXX stated I owed $ XXXX {$600.00} more than I believe I should owe. I contacted XXXX XXXX and was sent a statement of transaction history- that made no sense. When I tried to get details - I was given the same information n and no details. I received a collection notice from Credit Collection Services on XX/XX/XXXX and I immediately sent a letter disputing the amount and demanding additional details on how XXXX XXXX came up with the amount of {$1900.00}. By all my calculations I should only owe around {$1300.00}. On XX/XX/XXXX I received a letter from XXXX with the SAME statement attached and no details. On XX/XX/XXXX I received another letter from XXXX saying they were pursuing the amount of {$1900.00} and would be reporting it to the credit agencies if I did not pay. I sent a letter with all documentation ( Also attached to this request ) again requesting DETAILED and understandable language of how the amount of {$1900.00} came about. If I only owed {$1300.00} on XXXX XXXX 2020, the policy was cancelled on XX/XX/XXXX 2020- why did I get a bill for {$1900.00}? Also, if I divide the amount of the initial policy by the months insured and then subtract out the payments made- the amount comes out even less than {$1300.00}. By my recollection, I only made two changes to my policy from XXXX thru XXXX I added a vehicle for only TWO days ( because I changed my mind and did not purchase the vehicle ) I believe I then added a vehicle owned in our household- that is paid in full- and there is no way this addition for two months would cause an increase of more than a couple hundred dollars for the time I had it insured.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2023-05-22
Company: Experian Information Solutions 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-11-29
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent a complaint to Equifax Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means XXXX failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$79.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
I have not received anything from Equifax in regards to my credit report and FAL report. They claimed that they would send out a report but I have not received anything. It has been over XXXX weeks. I need my consumer report and FAL report. I've been trying to reach out to XXXX, they have not given me access to my CONSUMER CREDIT REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic. THIS IS MY RIGHT AS A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020 I was asked by Capital One Offshore customer service department to email a copy of my drivers license to prove who I am. I have not been able to use my card but once, at XXXX XXXX. When I used my card at XXXX XXXX it declined for {$1700.00}. I have an available credit of {$7000.00} so, {$1700.00} should have not declined. ( note : I have not used this card in a year so, I get it that verification is needed ). I called Capital One while at XXXX XXXX to verify that Im making the charge. They tried to text me on my phone and it didnt go through. Then she told me I had to go home for her to call me on my home phone ( please note I was at XXXX XXXX at the register and my card got declined and she needed be to drive home so she could call me to verify it was truly me ). I came home and they place me on hold for several minutes. They she ( offshore customer service rep ) called my home phone and released the hold. I tried to use my card again to buy food and the card declined. I called capital one and this time they said I had to scan in a copy of my drivers license both front and back and someone will call me in 7-10 business days to release the hold once they reviewed my drivers license. On XX/XX/2020, I received a call from Capital One Document Verification team. The lady name was named XXXX, XXXX ID number # XXXX. She told me that she received my DL however my picture was croped. I told her I did not croped my ID but she insisted I did. She said please scan it in again. This time I copied it and created a PDF form since she said I croped it. 
XXXX said it will be 7-10 days before she reviews it. I called back to Capital One and the rep asked me was this my DL? I said yes. Im not getting any where with this company. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions 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:
I have asked numerous times for Experian to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Experian has yet to send me those copies I did not open a XXXX   XXXX XXXX card nor did I charge anything to a XXXX   XXXX card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is 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 2022-02-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief