BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: OH
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:
The company is XXXX, which I found when my credit score dropped. I have never had an account, inquired about one, never had any association with this company. I now, XX/XX/XXXX, Since XX/XX/XXXX, still have this reported on my credit report as a delinquent account for the past 4 months will no help to look into this. I have contacted XXXX, the first 3 times I was actually told that there was no account, and they confirmed not finding any accounts under my information. I asked for a letter stated this to turn into Experian, never received anything. I have called Experian, filed numerous disputes, one after another, even while they were still under dispute. I also contacted Experian by phone several times, and by mail. Since this started, I now have the delinquent status over 90 days, been turned down for XXXX loans I was trying to acquire. I just started a business, this impacted the business accounts that I was working through. XXXX slowly got my information each time I called to have this matter resolved, and actually used it to attach to this account. Both Experian and XXXX tried to help, listen, or otherwise care what it was doing to my personal status. I have a 100 % on time payment history with 4 different accounts, why on earth would I use this company first of all, and why would I risk or harm my history of excellent standing with the creditors from which I hold actual legitimate accounts. That should have been the first red flag to Experian that something didn't look right. Instead they blew me off, their only offer of any kind of help was to tell me to file a dispute, and then proceeded to ask me to submit supporting documents/information. Well that would be fine not to mention a simple solution except I NEVER had an account with XXXX  therefore what was it they supposed I should come up with to confirm??? Well, I can count on two hands the number of disputes, back to back and during the others. HINT! Red flag number two!! It is a very sad situation to have to feel so helpless when you are supposed to have trust in the credit reporting companies, and even sadder when your livelihood is left in their hands. I can't go back in time and restart my business, let alone the years it took to get my credit to where it was. I took much pride in accomplishing that score and accumulating history to back up my good standing, and now I am left with anger, disgust and a sour taste for future dealings with our credit reporting system.

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 2022-02-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 arent mine...please remove.

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 2022-02-15
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: CA
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2021-03-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I reached out to Lakeview Loan Servicing , LLC to request a streamline refinance loan. I spoke to XXXX XXXX. At XXXX CST XXXX followed up via email with the application to complete the streamline refinance process. On XX/XX/XXXX the requested documents were uploaded to the portal we were assigned. On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX was assigned as a loan processor. XXXX XXXX reached out via email XX/XX/XXXX at XXXX CST introducing herself and mentioned she is working with XXXX XXXX XXXX She asked for a new utility bill stating the bill I uploaded did not have the correct address. This was incorrect as I have proof of the original water utility bill I uploaded into their portal is my utility bill for my address. I called her that afternoon and was unable to reach her so I spoke with her colleague who looked up the utility bill and stated " this bill is correct and does match your address '' the lady said she took notes on the account. I called back in after hanging up with XXXX 's colleague and left a voicemail for her. Since XX/XX/XXXX until XX/XX/XXXX we have not heard from XXXX XXXX, XXXX XXXX nor anyone from the company on our status of our closing. Throughout this timeframe, I called multiple times as well as my wife from her phone and never have been connected to XXXX XXXX but were connected to others in the organization who's response was they are not assigned to our loan so they can not help us but they took our information and said they would have XXXX XXXX or her manager reach out to us. No response. Also, multiple emails were sent from my wife 's email and mine to XXXX XXXX with no response. On XX/XX/XXXX, my wife finally got in touch with XXXX XXXX who tried to apologize and stated the utility bill that we uploaded was correct and valid, he recommended uploading the latest utility bill since it had been 30 days already, which my wife uploaded to the portal while on the phone with XXXX XXXX. XXXX then stated he was going to make three phone calls and call us back in a few minutes. Since that conversation, I have not received any communications phone nor email from anyone. Today, XX/XX/XXXX I've called XXXX XXXX 4 times, spoke to his collegeue who gave me XXXX 's managers contact information XXXX XXXX who I called twice and left 1 voicemail. I also emailed XXXX XXXX XX/XX/XXXX as well. This is not only irritating but is causing me to continue to pay a higher interest rate due to their inability to pick up a phone or communicate with their client. I continue to pay my mortgage on time and have never been late.

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 2020-02-14
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and I discovered fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The accounts are : XXXX XXXX XXXX  / XXXX XXXX  account # XXXX amount {$510.00} XXXX XXXX XXXX account # XXXX amount {$4100.00} XXXX XXXX  account # XXXX amount {$4900.00} XXXX/XXXX  account # XXXX amount {$1600.00} XXXX XXXX   account # XXXX amount {$8400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine or owed by me. I have no knowledge or gave any approval of any kind in regards to this account. I have a problem with identity theft and have not authorized or signed any documents with use of my name or consented to my information to obtain anything from this company or incur this debt. I would like this company to remove this debt collection from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had charged a number of items and returned one of them. As the credit was not on my XXXX statement I attempted to calculate what was owed and paid that. Due to my miscalculation, I was XXXX XXXX off. 

On my next statement, I was charged {$32.00} in fees for having a XXXX balance. I tried to call but could not get through so I wrote a letter. Instead of refunding the fee, on my next statement, I was charged an additional {$32.00}. I called and this time was able to speak to a person who said they would only refund one of the late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12
Company: Experian Information Solutions Inc.
State: MD
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:
Credit bureaus reported I had a XXXX balance on my XXXX XXXX XXXX XXXX charged off checking account as of XX/XX/XXXX, after I paid the account in full. AfterXX/XX/XXXX the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost 50 times severely hurting my credit score and ability to access credit. I disputed the XXXX XXXX XXXX XXXX late payments in XX/XX/XXXX when I discovered the error. The credit bureaus completed the dispute in XX/XX/XXXX without making the corrections and removing the false late payments from 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 2021-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or around XX/XX/2020 I sent in a dispute with Capital One. Never received a response I also contacted the bureaus disputing what they did all they did was charge it off and not address my dispute. I reached out the bureaus and was told it was validated by capital one. I told them if it was validated why havent I received any notification of the investigation because it was no investigation. How can you validate a debt only the consumer can validate the debt. I have been addressing capital one as well as the bureaus and have been getting the run around they have violated my consumer rights and injured me multiple times! it should be deleted no charged off. 
The statement I received did not validate the debt it just confirmed we had a relationship in the past. 
15 USC 1692G states a debt collector is required by law to send me notice of debts with the 5 requirements No signature or contract was mentioned in this law. 15 USC 1692g This debt was never validated because they cant validate, all they did by sending me the paperwork ( saved me work ) they proved it was a credit transaction and who the original creditor is and in fact if it was a credit transaction that means everybody was credited and there should be no attempt to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am notifying you that the dates below that I did not authorize any individual from any of the listed company to pull or review my consumer report. I have not given XXXX, XXXX, Experian permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you produce any proof or evidence that support your claim or show you were right in your decision to furnish this information. Please remove the inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-01-30
Company: BB&T CORPORATION
State: OR
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:
I was a victim of XXXX 's inquiry issue. I called and tried to explain this to them. I have reached out to them in writing and via phone and the companies via in writing to no avail. 

Inquiries I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And this month I had multiple inquiries in a one/two day span in which I DID NOT authorize. The salesman at a dealer had me sign a form allowing them to pull credit. I did not authorize them to allow anyone else but THEM to pull my credit. XXXX XXXX XXXX. I had over 13 inquiries over all 3 bureaus pulled. They financed me thru XXXX XXXX. This is criminal. 
XXXX XX/XX/XXXX BB & T XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In late XX/XX/XXXX I noticed several questionable items on my Transunion credit report and was uncertain of several of the accounts validity. I promptly filed an initial fraud alert with the 3 major credit bureaus and sent my first notarized and certified dispute letter via mail to Transunion dated XX/XX/XXXX including 2 forms of identification. Included in the letter was my request for physical proof/verification for the accounts listed per section 609 of FCRA. I specified in this initial request I would not accept a generic response such as " account verified '' as a reasonable response. I received a " dispute outcome letter '' dated XX/XX/XXXX which included my dispute results and advised which accounts were deleted, which accounts were updated, and which accounts were verified. I did not receive any documents that I requested from Transunion regarding the verified and updated accounts leaving me to believe the company blatantly disregarded my request or used a 3rd party system to verify instead of contacting the original creditors. I contacted Transunion at XXXX  cst XX/XX/XXXX via telephone and requested a U.S agent but none were available. I spoke with rep named XXXX who did not have an id or reference number I can include. After the rep could not provide a decisive answer to my request for method of verification even after I cited section 611 of FCRA I requested to be transferred to supervisor. I was then transferred to supervisor XXXX XXXX. I asked XXXX XXXX  to provide me with the name of the original creditor, the address and phone number of the original creditor, the name of the person at the credit reporting agency who verified the dispute with the original creditor and the documentation that was used to verify the dispute. XXXX XXXX advised me the Credit Reporting agencies are not required to keep any documentation on file and all verification is done electronically. XXXX XXXX stated 4-5 times data furnishers are not required to submit physical copies to the bureaus at any time and after being asked repeatedly he could not provide me with method of verification but stated he would send out a letter of there dispute/verification process via mail. I advised I would be filing a complaint promptly

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 2017-07-12
Company: Experian Information Solutions Inc.
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:
On my credit report under 'regular inquiries ' via ( XXXX XXXX, experience and XXXX ) there is an inquiry showing the company XXXX XXXX  with the date : XXXX/XXXX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies.

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 2020-02-07
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
XXXX XXXX # XXXX is reporting an invalid late on my account. I paid this account in full and was never informed via anything that there was a residual balance of {$4.00}. This caused me to get a late on my account when I have never been late before and had paid this off entirely. I should not have this late, I was not informed of a remaining balance, I did not receive any notice that I was going to get a late. This late is invalid and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: General Motors Financial Company, 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 information incorrect

Complaint:
Called GM Financial. They told me they had not updated the credit report. So the amount reported includes both the end of lease charges and the payments I have already made. 

I advised them that the information was inaccurate. They did not take any action on this matter.

Company response to consumer: Closed with non-monetary relief