BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAD A LEASE VEHICLE THROUG XXXX XXXX WHEN I WAS A XXXX DRIVER I TURNED THE CAR BACK IN THE MONTH OF XX/XX/2018 AND I DID'NT OWE ANYTHING THE COMPANY WAS TAKEN OVER BY XXXX XXXX I READ THROUGH A POST I FOLLOW CONCERNING XXXX DRIVER FAST FOWARD TO NOW I WAS CONTACTED BY RECIEVABLES PERFORMANCE MANAGEMENT ON BEHALF OF XXXX XXXX XXXX XXXX STATING THAT I OWE XXXX AND THAT'S UNTRUE I OWE THEM NOTHING BUT THIS COMPANY XXXX XXXX NEVER TRIED TO REACH ME ABOUT ANY DEBT AND I HAVE BEEN AT THE SAME ADDRESS FOR YEARS I FEEL THEY WERE BEING VERY DECEITFUL NOW THIS COMPANY THEY HIRED HAS PLACED THIS ACCOUNT ON MY CREDIT UNFAIRLY AND I AM STRESSED OUT SO PLEASE HELP.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in 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 that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-10-28
Company: Conn's, Inc.
State: VA
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 spoke with a Conn 's customer service representative in XX/XX/2021 to make a payment and schedule a payment for the XX/XX/2021 due date. The representative did not schedule the payment and I was unaware that the account ran delinquent. When I found out that the XXXX payment was 30 days late going into XXXX, I quickly called the company to remedy the situation and make full payment and payoff of the account. I was told that the 30-day late mark on my credit report would be removed since I never had a 30-day late payment with the company before. I was then told several days later that the company was using their discretion and not removing the late mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: National Credit Systems,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:
This morning I realized that National Credit System changed their account open date on XXXX and XXXX. The original document said that it would be reported on XX/XX/2021 it showed up on my credit report on XXXX XXXX but now it says that it was opened XX/XX/2021. They will not acknowledge my documents sent to them that prove that this account is inaccurate and now are trying to make it make sense. They fraudulently evicted me on XX/XX/2021, and would not accept the check between the dates of XX/XX/XXXX and XX/XX/XXXX which was dated on the sheet they gave the National Credit System. NCS will not enforce the company to prove they are practicing unfair tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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:
Its a XXXX XXXX account that was open under my name with my information but different address this the account that was open XXXX amount XXXX activated XX/XX/20 someone stole my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-10-07
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: Personal information incorrect

Complaint:
I have been attempting to get XXXX  to merge my old credit report with my new one since XX/XX/XXXX. I changed my full name as part of a divorce in XX/XX/XXXX, and they have refused to process my name change dispute several times this year for erroneous reasons ( " no ID provided '', even though my FL license and social security card are on the same page as my dispute letter ). I haven't been able to open any new credit accounts or loans for an entire year, entirely because they won't merge my old credit report ( under XXXX XXXX XXXX XXXX with my new legal name of XXXX XXXX XXXX. I have started the same saga with Experian  more recently, and I'm sure XXXX will be just as useless as XXXX  and Experian. I am desperate to get access to my credit again. Please help me force these companies to process my name change dispute.

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 2017-06-14
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX Account. XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI XXXX I received a letter from XXXX XXXX XXXX thanking me for financing and affirming that my " contract obligation has been satisfied. '' XXXX I received a letter from XXXX XXXX XXXX saying I still owed them money. I called the XXXX on the bill and spoke with XXXX who threatened me with an even larger bill if I did not pay the one they sent me. I refused and called XXXX XXXX to make sure the loan had been paid off. They assured me it had and that XXXX 's records must be in error. -From that date forward, I kept getting letters as well as threatening phone calls. I have dates and names of those I spoke with. -It has been continuous even though I threatened them with legal action, but they have continued to harass me and now I find that they have also falsely registered this as a current delinquent amount on my credit report EVEN though they have marked it closed and paid. They have harassed me and turned me over to collectors who have harassed me with early morning calls, etc. -I have all necessary documentation to support this, and I want them to cease and I want to sue them for harassment and for damaging my pristine credit history. -This has been ridiculous!!

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 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have Bank of America account The account has been open for over 3 years - I have only did one XXXX transaction the entire time- The account was been dormant for over 120 days and then XX/XX/XXXX - XX/XX/XXXX -Account was hacked with 7 different XXXX XXXX to different people over {$20000.00} removed from the account - No call from the Bank... They hacked my account Bank of America denied my fraud claim saying I allowed access to my phone and thumb print .... My phone doesn't have thumb print and I don't how they were able to verify... 

I feel like my REG E has been voliated by Bank of America and they have failed fraud procedures file a new claim 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 2022-04-01
Company: Experian Information Solutions Inc.
State: MN
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:
My right to privacy has been violated. I wrote them telling them to delete this information as they do not my my permission to publish this information about me and they said they did not need my permission. I have asked verification that i gave permission to report the alleged debt and no company has done so. 

5 USC 552 ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Approximately 2 months ago I went online to attempt to make a payment and got locked out of the account. the system stated that I placed the wrong password in. When I called to try to make the payment over the phone the system asked me to put in my information and then routed me to a que for which I spent hours waiting day after day. One day I finally got an individual who advised me that because my wife is the primary on the account they needed to speak to her to get the account unlocked and make a payment. I explained to him that Due to covid restrictions my wife is international until the borders of XXXX were opened. He advised ( to which i understood ). We have tried to three-way calls and due to the long wait times and international calls it has been incurring large costs to us, we have also had calls dropped. As a result we have not been allowed to make a payment even though we attempted numerous times. It was not until XXXX I called in, put in the credentials requested and i was advised that this is an attempt to collect a debt and was routed to an automatic payment system at which point i made a payment. We have never had a late payment of this kind on our record and it was through no fault of our own that this was not completed. We have attempted several times and incurred high phone bills trying to solve this. Today we are seeing a 30 day late payment record on two credit bureaus which is unfair to us. Kindly assist with removing these negative reporting on our credit report of the primary which is my wife.

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 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
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:
cra inaccurate information sent ftc and all police report to all 3 major company

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 2020-10-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the EXPERIAN They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. PLEASE FIND ATTACHED correspondence of the items that I am at present questioning. It is to be noted that the item in specific may be affiliated with personal information that has been reported fraudulently. 

A list of items that I am challenging for its validity and on whether or not it is compliant to be reported in the first place has been furnished in previously mailed correspondences.

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 2020-04-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please do your duty. I had submitted a complaint in XX/XX/2020 and i was told by the agent that CFPB closed my complaint. That complaint was never settled. The Mortgage company failed to follow rules allowing proper time to read, sign and allow legal representative to read for law abiding consumer protection reasons. CFPB Case XXXX. That was never settled nor was a response received. 
Carrington Mortgage LLC has continued to abuse consumer contract laws. My information was complete for the loss mitigation packet on XX/XX/2020. The enclosed letter proves. As I waited for the response a letter arrived from The mortgage company stating a lie that I cancelled my loss mitigation. And it continued to state I no longer wanted my home. This letter was not true. I never cancelled my loss mitigation. The Mortgage company is trying to use COVID-19 scam. I never requested covid-19 assistance. My XXXX is consistent and covid-19 did not impact it. The improper & wrong cancellation letter implies I cancelled my loss mitigation. That is not true as I never cancelled it. 
The enclosed letter states what I am explaining. I never implied that I did not need my loss mitigation or that I was not wanting my home. This company is mis stating information that is false. My information is still on the XXXX XXXX server and is valid for 90 days and the letter is not expired as you can read. 
Please look into this. My loss mitigation is needed and I never cancelled my need. 
Please look into this. I am insulted to know you ignored my need in the XXXX complaint. Please stop with the intimidation to my poor life. I still need my home. Please do your consumer duty I am a XXXX human being

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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 information incorrect

Complaint:
I recently submitted a complaint against this credit bureau stating that they had re- aged a XXXX XXXX XXXX account that was appearing on my credit report. I showed evidence that a re- aging was done and I do have the voice recording of the agent of the agent who confirmed that the account was re- aged. The agent stated that the account was re- aged and that the XXXX XXXX XXXX account would not fall off my credit report until XXXX 2028. 
I check my credit profile online and they have changed back the age of the account to 7 years, 8 months and 13 days. The mere fact that the account was re-aged is a violation. Not because the credit bureau has changed back the age of the account does not mean that there are no penalties to be faced. The fair credit reporting act states that re- aging any account is a serious offence. Delete XXXX XXXX XXXXXXXX from my credit report immediately or face legal action. I wont take legal action or file for damages if the account is deleted from my credit report. I can assure you that it will be cheaper to delete it from my credit report other than having to send lawyers to appear in a Florida court. Re- aging of the XXXX  XXXX XXXX account was done. It doesn't matter the account has now been updated. 
Kindly see files attached showing that the account was re-aged and that now the age of the account has been updated. This information was gathered from the credit bureau 's website. Kindly look at the dates on the top of the documents submitted which clearly shows that the account was re- aged but was recently updated. You broke the law. 
You broke the law. Delete XXXX XXXX XXXXXXXX immediately or face legal action for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Service Finance Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/22, this collector called at XXXX for Service Finance. Her name was XXXX XXXX. I have received phone calls from this company previously after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.

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 2022-01-05
Company: Uprova Credit, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XX/XX/XXXX I applied ( by accident, meant to check rate ) and approved for {$400.00} loan. Phone Auto filled info in. And put in wrong checking account ( transposed XXXX numbers ). My bank, XXXX XXXX XXXX XXXX, returned the funds XX/XX/XXXX in XXXX. XX/XX/XXXX call Uprova. No funds ... XX/XX/XXXX call Uprova had 3way call with MY bank confirming funds returned .... XX/XX/XXXX no funds... XX/XX/XXXX & XXXX ... No funds turned back to XXXX. Now my account is negative XXXX and rent is due, cell phone ... On XX/XX/XXXX XXXX XXXX way call with bank to confirm funds returned and gave Uprova supervisor XXXX a trace number. On XX/XX/XXXX I was told funds should be back Monday or Tuesday. .. mon they were closed... Which j didn't know .. and now here we are almost XXXX weeks after initial approval and they have no idea where the funds are. I can not get a loan bc it's active ..... I can not pay rent, bills, feed my son... Get gas to go to work... We will be living in my car!! Plus now I need a larger loan to cover NSF and such. The name and license are wrong bc it was Auto filled with my married name. I can not get a loan which I need NOW. Someone HAS TO DO SOMETHING!!!!!

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