BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 My wife and I were looking into getting approved for a mortgage XXXX XXXX XXXX  XXXX. A licensed Mortgage Professional Mr. XXXX XXXX XXXX was trying to assist us. Mr. XXXX then pulled a credit check through a system called XXXX XXXX XXXX XXXX it is one of the system in place in order to secure a mortgage. Only when doing so the only bureau score that came up was XXXX  with a XXXX score. At the end of the credit report gives information as to why XXXX  and Transunion could not supply a score and reads like this : FICO SCORE NOT AVAILABLE SUBJECT DECEASED, XXXX. 
TRANSUNION : FILE NOT SCORED BECAUSE SUBJECT IS DECEASED. I have tried to call the credit bureau 's to no avail, one guy tells me one thing another tells me another thing. I called over and over again and again to get this resolved and nothing. I hired an attorney to look into the matter and he is just as lost. Please can some one help me. I was going to be approve for a forever home for my wife and children this has caused me stressed and pain I still don't have a answer investigation stated that it was going to remain on my credit. I am well and alive I do not know what to do. This is extremely painful. Oh I forgot I received yet again another card from XXXX  that there were going to advised the other credit bureau 's that I am deceased. What the XXXX is going on!!! Please help me I want to get my family a home. 
My name is XXXX XXXX XXXX XXXX email : XXXX Please give this the utmost urgency I have evidence to support my claim. The credit bureau 's ruined my life. Please assist me. 
Thank you 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 explanation
Consumer complaint received 2022-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX The company has not removed anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-06-18
Company: Green & Sons Agency, Inc.
State: UT
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:
Outsource Receivables is reporting multiple accounts on my credit file and they need to be removed. These accounts are still reporting on my file despite them never being able to find these accounts. I called multiple times and they were never able to find me despite how much information I gave them. They told me to dispute them and I have been but they continue to validate the collections to the bureaus but not me? These are not mine! You have nothing on me, you need to remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Capital One Auto Finance is reporting a repossession on my credit report that is inaccurate, false, and a violation of the Fair Credit Reporting Act. I have sent multiple disputes in to dispute the entire account to insure proper information is being reported. I have a feeling that some of the information is being listed incorrectly. 

1. The balance of {$8800.00} is not accurate. 
2. The date of last status XXXX is not accurate. 
3. The charge off amount of {$10000.00} is not accurate. 
4. The account history of is not accurate. They are reporting - Repossession as of XXXX XXXX ; Charge Off as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX ; 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXTherefore, this information is not accurate and until they can prove it, then it is also a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To whom it may concern, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have attempted to contact the credit bureaus : XXXX, Equifax, & XXXX  and they have been unable to assist me in this matter. I let them know the following items need to be removed & submitted the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have attached a signed & notarized copy of FTC Identity Theft affidavit. I would like to have the items mentioned on the report removed immediately as this situation is negatively affecting my report with inaccurate information. I have attached copies of my IDs for identity verification.

By the provisions of the Fair Credit Reporting Act & FTC Affidavit, I ask that those items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this process within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

Enclosed are the following : A copy of my credit report I received from the bureaus. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
State: TX
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:
This is inquiry not authorized or signed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2020-10-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account statement shows an opened date of XX/XX/XXXX with a date of last payment showing XX/XX/XXXX. This account is too old to be on my credit report and it is reflecting that this account was re-aged to XX/XX/XXXX which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There are more than XXXX medical bill that I have submitted an individual dispute on just certain credit bureaus, that have been taken off of my credit because they did n't respond within 30 days like they are suppose to. So I want to dispute everything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
On XXXX, XXXX my Santandar Consumer loan was reported as Charged Off. I've had on time payments since XXXX, XXXX. I've submitted paperwork to both Santandar Consumer on XX/XX/XXXX as well as to XXXX. The XXXX  Dispute was returned in favor of Santandar Bank and Santandar also sent correspondence that the Charged Off will remain. Does this mean I don't have to pay the balance of my automobile loan? I want this rectified. What are my next steps?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Cheadle Law Firm
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
To whom it may concern, I am concern i am contacting you regarding my complaint against Cheadle law ( XXXX XXXX ) Tennessee. They are handling a case with American financial. I borrowed a loan back in XXXX while leaving in XXXX Tennessee. It was a high loan .I don't remember how it was but i know it wasn't a XXXX loan that XXXX XXXX trying charge me i told one of the represent trying make payment plan and she was very mean and rude. I ask her how much the loan i borrowed and she said XXXX. the interest rate was XXXX and court cost lead up to XXXX. That was my total to pay ..I told her no one try to get intouch with me and she said they don't have to get InTouch to send you to court but i can make a pay arrangement. I don't remember borrowing that much money and i know American financial sold the account and these people are scaming to get over XXXX dollars from me. This is outrage .they are adding unjustified amount to problem XXXX account are less. They are adding these fees with out any proof of the actual amount that was sent to them. That loan was taking out in XXXX i was making my payment on time i just had lost my job and my phone service and i had to move so i got in a bad debt. But still doesn't mean because i mess up that i have pay extra XXXX or more for it, then i try to make payment arrange with this law firm and still charging outstanding fees. the lady was rude and aggressive and hung up the phone. Not good customer services. My question is how problem XXXX loan or less and come out to be XXXX.They are get over and using they lawyers as intimidation. 
please hold the firm accountable for unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I just noticed on my recent Transunion credit report and also when I pulled my credit on XXXX XXXX that XXXX XXXX XXXX is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from Transunion, XXXX  and XXXX  showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with XXXX XXXX XXXX due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!

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 2021-06-18
Company: SANDY SPRING BANCORP, INC.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to XXXX XXXX branch manager I was interested in purchasing a commercial property located in XXXX Maryland. My business is located in XXXX Maryland I first gave the full 100 page appraisal that i paid for out of pocket {$2500.00} to mr. XXXX so he can see the whole scope of the investment because the property Who is producing {$50000.00} a year and income it already had two tenets. 

After about a week or so I got an email from Mr. XXXX saying he was unable to give me a commercial loan without explanation. 

I asked for explanation and i was then told by mr. XXXX that hes going to reach out to his senior underwriter. 

Then he told me that he would need my tax return. I gave him the profit and loss of my tax return and then i also told him that I had other means of income which was Social Security from my late husband as well as family support which my family all contribute to a savings account. 

I was told I had to get this information before I would be given a application which I later on found out that was incorrect. 

First I was told I need two years tax returns Then after i said i wanted to go through the application process then they said I needed three years.

I felt they were trying to discourage me from applying they denied me before I even applied. 

I believe this is discrimination because I am a XXXX woman on business. 

See email attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account with Midland Credit Management-XXXX XXXX XXXX a department store credit account. The store closed and there was no forwarding information regarding the last of the bill I paid in full. While checking my credit report, I see that they added this to my credit report and I paid this in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
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:
A few months ago my wife and I checked our reports and discovered multiple accounts that did not belong to us being reported. We involved the police and opened up a dispute about the accounts but there are still lingering accounts reporting that are there from the identity theft case. Im writing to request the credit bureaus correct my reports within 30 days. All items should be removed from my credit report. I never had any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Lending Club Corp
State: WI
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:
Lending club is currently double reporting my loan to XXXX XXXXeported on XX/XX/2021. The are stating I owe {$18000.00} report date of XX/XX/2021 and {$16000.00} on the same loan number ending in XXXX. 

I emailed and I just got off the phone with their customer service representative who stated they are changing banks and would not do anything about correcting the issue. I explained I am applying for apartments and this was increasing my debt and decreasing my debt to income ratio. I asked for a letter stipulating their error and they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: NRA Group, LLC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
im not sure how my social was used in this particular situation but i would like this to be removed from my credit report. i ave tried to get in contact with this company but no one has responded. i was n't given the chance to dispute this item before it was placed on my credit report. i feel this could of got resolved without damaging my credit. i never received any proof or documentation of the validity of this debt and because of that i am requesting this be removed from XXXX of my credit bureaus. ill will be talking this to the media as well as hiring an attorney to look into this matter further if national recovery does not choose to comply with this matter. I 'm hoping we can reach a positive agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation