BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
My name is XXXX XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Report. 

The 3 Credit Bureaus are currently showing 30 days late for the month of XXXX to XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I sent multiple good will letters and disputed the items with the bureau and no one would help me. I called multiple times on different occasions and I still have received no help. Normally there are extremely long wait times when calling to speak with a representative and sometimes the representative doesnt want to hear you out fully and i dont agree with this process. Im very upset that I still havent gotten this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I use to be an authorized user on a credit card of someone else. They took me off already because they planned on utilizing all the credit. So they took me off and used up all the credit and now that utilization is coming up on my credit report and affecting my credit score. 

The balance on the credit card is now {$XXXX} on a XXXX Double Dash. This is not my credit card. That's the balance as of XX/XX/2020. I think they withdrew it in 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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I use to be an authorized user on a credit card of someone else. They took me off already because they planned on utilizing all the credit. So they took me off and used up all the credit and now that utilization is coming up on my credit report and affecting my credit score. 

The balance on the credit card is now {$XXXX} on a XXXX Double Dash. This is not my credit card. That's the balance as of XX/XX/2020. I think they withdrew it in 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 2015-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have a credit monotoring service after a breech in my personal information with a hospital I attended. I received an alert that XXXX has made a hard inquiry to my credit reports. I already have a credit account that am currently paying off from XXXX so I sent a message via online to XXXX asking who had authorized the credit inquiry. I spoke to XXXX on saturday and was told that this was forwarded to the fraud department and flagged so no credit increase or credit account was open but they did create higher security features to my account so that no one can use make any changes to my account without my verbal consent. I am not only working to improve my credit but do not have any interest in obtaning a higher credit with kohls. XXXX is aware that this inquiry was not mine and suggested I speak to the credit agencies to have this inquiry removed since nothing was changed in my account. The incident was flagged and nothing happened as a result. YOu may contact XXXX directly to confirm this. I ask that you please remove the hard inquies as i have not authorized these.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This  Collection  agenc y Company Capital One has f ailed to provide proper verification of the account. This company has not and could not provide in formation like documents bearing my signature that I owe ( {$410.00} ) t o them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to  Capital One about providing proof of documentation bearing my signature that the account belongs to me. I feel they are trying to be smart by having the same account number under on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$410.00} ) then all files under my name and my social security number on my   credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX   to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted i mmediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of   the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I sent a certified letter to Transunion Credit reporting agency asking them to please validate the XXXX  XXXX XXXX accounts debt in which they state I owe, by providing proof of documentation bearing my signature. 

On XXXX XXXX I was sent an updated Transunion Credit report stating everything was verified and accurate but still nothing to validate this debt belongs to me. 

On XX/XX/2020 another letter was sent again advising they had 15 days too provide the description of the procedure used to determine the accuracy and completeness of the information used to complete there investigation and that Any automated response or E-oscar verification is unacceptable, also asking that they provide the name, address, and the telephone number of each person contacted regarding this alleged account. 

I have yet to be provided with that information and the debts still remains 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 2021-11-13
Company: Receivables Management Partners, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
RMP agreed over the phone to do a pay to delete. They stated once I paid a medical debt it would take up to 30 days to be removed from my credit. However, it is listed as a charge off, and was never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. XXXX  and XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a property in XXXX with a mortgage with XXXX XXXX Bank XXXX. An XXXX Deed was filed on XXXX XXXX, XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX FIVE YEARS to finally finished the foreclosure of a property they already owned in XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Kriya Capital, LLC
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAM AGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: U.S. Auto Sales 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 item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

US AUTO FINANCE/US AUT XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a hard inquiry on my account for a card from Barclays Bank that I never applied for. it is on my credit report and it 's hurting my chances fro certain things.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I sent letter to courts saying I was unaware that they reported to the credit bureaus. They sent a letter saying they DO NOT communicate with them. I sent the letter from court along with a follow up letter to credit bureaus asking to verify who reported information about bankruptcy, and they havent sent Valid response to whom reported it to them. If it cant be Verified it has to be deleted. I requested twice that it be deleted and they reponded with a dispute letter saying it will remain 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 non-monetary relief
Consumer complaint received 2021-11-13
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: Account information incorrect

Complaint:
Transunion, XXXX, and XXXX is reporting that a balance on my credit report for XXXX was not paid, and past due. The balance was paid in full, and is not past due. I also receive a check in the mail for paying more than the balance when I closed the account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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: Public record information inaccurate

Complaint:
Experian has been reporting XXXX collection accounts from XX/XX/2017intentionally damaging my credit history with reporting incorrect information of accounts that does not belong to me, not only that they refuse to investigate the accounts under fair credit reporting act causing me financial hardship due to their negligence. 
XXXX XXXX XXXX XXXX # XXXX FOR {$270.00} XXXX XXXX XXXX XXXX # XXXX FOR {$860.00} XXXX XXXX XXXX XXXX # XXXX FOR {$500.00} XXXX XXXX XXXX XXXX  XXXX for {$1200.00}

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 2015-07-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has been reporting mortgage loans from XXXX and XXXX with XXXX digits that are not mine. These loans were unilaterally created by XXXX and XXXX in XXXX 2011 thru XXXX 2011 and reported these loans as new loans applied for by me. they reported these loans the same way to XXXX and XXXX. none of these mortgage loans are mine and I never applied for them and never settled on them. they are new orginated loans unilaterally by XXXX with illegal account numbers that are not compliant with federal reserve regulations or XXXX practice in the banking industry. the only time that consumer protection laws and XXXX regulations allow for XXXX digits to be used for mortgage loans is for internal reporting and computer data storage only. not only is Equifax violating the FCRA but also colluding with XXXX bank and XXXX allegedly to report false mortgage loans while these loans have never been settled and have no loan docs for them attached is my attorneys second letter to Equifax that is stonewalling me on this issue. in addition the report shows that Equifax is making hard inquiries on my credit from their mortgage services company which I never applied to for anything which lowers my credit score significantly besides the false information about mortgage loans and reporting that I applied for these loans which I did not. Equifax is also in violation of their agreement with XXXX partner New York State Attorney General 's settlement agreement with Equifax that they will not continue to maintain false information on anyone 's credit file XXXX they continue to do this without impunity or enforcement or fines from any financial regulator or the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XXXX  has been reporting a business account that was never my responsibility. XXXX  has not been able to delete the account, after more than a year complaining several times, even when the account was paid and closed. 

Capital One never provided any document bearing my signature, which was binding in any way regarding this paid credit card. 

The investigation has not been ever performed, and neither XXXX  nor Capital One have provided any proof with my bearing signature for the account to be in my credit file after more than 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I am trying to refinance my house and found a judgement against me by chase on a credit card XX/XX/XXXX. I did further investigating and found that chase had settled with the federal government and agreed to cease collecting debt on accounts XX/XX/XXXX. im not good with the legal language, but it says that they can not collect or enforce any judgement made during that time. I never received anything informing me of the settlement. I called and tried to get them to remove the judgement against my property and they said they would only remove it if i paid 100 percent of the balance i owed them. From what ive read, can they still try to collect on this debt and continue to enforce this judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I think that it is wrong/illegal for Equifax to list the same negative information on my report twice ; once as a public record ( bankruptcy ), and then again under negative accounts. Also, are they allowed to only report my credit history after my recent bankruptcy, as if I do n't have any other credit history, I have over 30 years of credit history, this affects the number of positive accounts that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
A few months ago I had some issues with XXXX XXXX XXXX XXXX repporting XXXX delinquencies to the credit bureau. At the time it had affected my credit significantly since than negative reporting has been removed but my credit has never recovered since than. I have had XXXX XXXX remove an account reporting delinquent completely from the credit report only to be reported by a collection agency. That is incorrect. The last issue is that XXXX XXXX XXXX has falsely reported me for non payment and my insurance on the credit card made a payment for me towards the bill and XXXX XXXX XXXX is alleging that was applied as a credit and they are malesly reporting me for a 30 day 60 day and 90 day. all of which are incorrect. Ever since the XXXX XXXX XXXX XXXX issue my credit was never rescored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I've reached out to XXXX XXXX XXXX XXXX/ XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported 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