BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: UNITED AUTO ACCEPTANCE
State: GA
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:
Whereas on or about XXXX, i entered into a contract with United Auto Acceptances regarding a vehicle. after obtaining this vehicle for about seven months, i then begin receiving phone calls from said party stating that i was behind on Two payments and, my response to them was that their records were incorrect, so i requested for them to provide me with the dates that they claim i've missed. After receiving the information, I then contacted my financial institution for print outs of these transactions that i knew i had made with said party 's with my check card. whereas i then contacted United Auto Acceptance and, advised them of the mistake on their behalf, they listen to me and i thought that was settled. But around 6 months later on or around XXXX i started receiving calls and, alerts from creditors and credit agencies concerning my credit score and, negative item 's on my report, in which this was causing me and my family to be denied of the luxury 's that i have worked so hard for, all because of the evil acts directed towards me. At this time my previous living property was being sold and the property was being remodeled, we were actually living within our vehicles until god answered our prayer. I contacted the credit bureaus submitting disputes to all three major bureaus, it only seemed as if the credit bureau was only concerned with the other party 's complaint and, i never heard anything else, United auto is now claiming that i'm 4 months behind in payments, why would someone be so malicious towards a person that they do not know. i later found out that i was actually being charged a late fee without even knowing, there was know under writing stating that a late fee would automatically charged to me. i agreedied to pay {$200.00} every two weeks ( bi-weekly ), but i found out that the actual fee is {$190.00}. i have all supporting documents that will prove that i owe nothing on this vehicle that show that i am behind on this contract. Even while this pandemic is happening world wide, these people ( united auto acceptance ), do not care.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report in 30 days.

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 2015-08-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A stupid woman with an XXXX accent called and asked for me by name, she then asked to speak to someone named XXXX and called her my wife. I have NEVER been married, I told her this ang said I did n't know the person she was looking for. She said the I did know her as my last name was the same as the debtor she was looking for and she demanded I pay her loan, she threatened to put my name on a list to be attributed to the debtor. She was very rude and vulgar as all dummies from XXXX are, and she hung up when I tried to correct her. The caller I.D . traced back to the Wells Fargo Bank, on XXXX XXXX, in XXXX Il.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Inaccurate and false information appears on my credit report. Applied for credit or a loan and receive an unexpectedly low score

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: Experian Information Solutions 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: Account status incorrect

Complaint:
I noticed my score dropped over 120 points end of XXXX and there was a delinquency reported from XXXX XXXX on my car loan. XXXX XXXX reported my car loan as closed, settled for less than owed and late. I reached out to XXXX XXXX and disputed the issue with all three bureaus. Experian, XXXX and XXXX confirmed that this info has been reported by the creditor. I filed a complaint with XXXX XXXX. The case analyst who was handling my complaint promised me on XX/XX/XXXX a letter in the mail saying that the account was never late. Not delinquent and it is still open. I have been waiting for this letter to arrive in the mail. Unfortunately XXXX XXXX has not been helpful, I just received the letter today and the letter is dated XX/XX/XXXX. The letter only say that the account was never late. No mention at all that this account has not been settled. XXXX XXXX admitted that it was an error in their behalf, but they had taken no action to correct except sending again incomplete information. I just refused a letter from one of my creditors who closed my line of credit because of this false delinquency. I have filed another complaint with XXXX XXXX last week when I have not received the letter. Spoke with XXXX another analyst from the president office last week and he said the information has been corrected with the bureaus and there is nothing else he can do for me. 
This is unacceptable, XXXX XXXX did report incorrect info to all three bureaus. Experian confirmed that XXXX XXXX only reported that XXXX payment has been made and now they removed the late payment to XXXX, still reporting the account as closed and settled for less than owed. This makes no sense. XXXX XXXX has to request from Experian to remove the remarks and the delinquency and report that my account is stil OPEN IN GOOD STANDING. I was very specific about what I asked and they still dont want do their part. I will escalate this and I will seek legal action. This has to be resolved asap.

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 2016-05-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call from XXXX XXXX with XXXX XXXX. He and his staff have used abusive collection tactics on a debt that is over XXXX XXXX XXXX. I have been threatened about a legal document, being sued, garnishing my wages and placing a lien on my XXXX XXXX or auto. Sued without any notification, calling my job and telling them its an attempt to collect a debt. This is the 3rd and final attempt and they will seek legal action, telling a family member to tell me to put my big girl XXXX on. Calls from XXXX XXXX, XXXX XXXX leaving voice mail messages stating the same thing. HR department forwarding messages of XXXX XXXX calling stating personal stuff about my business. XXXX, employee in the legal department telling me that she will take all of my paychecks, that I do n't pay my bills and let 's see how I like it when they take my paychecks.

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO, NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, LLP. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS.

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: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2015-08-04
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a balance left over from XXXX university which I could n't pay because a loan I applied for did n't get approved XX/XX/XXXX. After graduating and securing a job I was able to pay the balance in full to the collection agency William and Fudge XX/XX/XXXX. I received an email confirming that the balance was {$0.00} and subsequently sent an email to the school to confirm payment was received. " XXXX '' from XXXX XXXX 's bursar office confirmed receipt of full payment. I called William and fudge to let them know that I had paid and to report the account as paid to the credit bureaus, to which they said It would show as closed in about a week. Fast forward couple months, they still did n't update the account status with the credit bureaus and the account shows as open. I am unable to apply for loans and this issue has been causing damages to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions 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'm disputing Experian for allowing XXXX XXXX too give false information on my credit report, for not adding XXXX XXXX and XXXX XXXX too my Experian XXXX, for not having the right information about my address, for my credit & retail card debt, XXXX XXXX has reported a Charge-off on XXXX on XXXX. And again on XXXX and on XXXX. And a last payment on XXXX. XXXX never gave my payment of XXXX. And it has destroyed my credit score.. Experian has two of the same address on my credit report. Have not added my bills too my Experian XXXX, And they have my credit & retail card debt totally wrong. And I'm paying them $ 19+ for my three credit report and I'm only getting one new credit report a day the other two I got too wait 30 days.

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: Early Warning Services, LLC
State: CA
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 opened a checking account at XXXX XXXX XXXX XXXX on XX/XX/2020. My application for was approved, I made a cash deposit, was issued a debit card and all was ok. Five days later I received information from XXXX XXXX XXXX XXXX informing me that my checking account had been frozen due to a report they received from a company called Early Warning LLC . Early Warning provided XXXX XXXX XXXX XXXX with countless information about myself which I never approved. Early Warning also provided false and misleading information. Early Warning is in clear violation of federal and state law by providing any information as I never even heard of Early Warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Midland Credit Management ( MCM ) purchased a charged-off account of mine from XXXX XXXX. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt. 

In XXXX, MCM assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website. 

No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: AES/PHEAA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is now the 2nd time I have had to report inconsistencies from AES based on the actual balance of an account and my personal Credit Report. AES has yet to resolve the inaccuracy. Failing to correct this may result in a Civil Complaint being filed against AES for failing to provide accurate reporting to the Credit Bureaus. This is a serious concern when inaccurate information is either withheld, purposely falsified, or intentionally changed inaccurately or left unchanged inaccurately. 

As of XX/XX/2020, the Report is now 5 days inaccurate as a recent payment was established and resolved any delinquency on XX/XX/2020. Please make every coordinated effort to provide factual information to the Credit Bureaus, as this information is not correct, notwithstanding, this inappropriate series of inaccuracies justifies litigated action on my part, and AES risks that possibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : Your company has been listing these items inaccuracy, no name of creditor, no contact information, this is inaccurate reporting. 
Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification COLLECTION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX not my address XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOT MY ADDRESS XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX  XXXX NOT MY ADDRESS XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, MS XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Walmart card operated by CapitalOne Card XXXX XXXX XXXX XXXX - Phone XXXX I made a payment of {$75.00} today on XX/XX/XXXX ( due date ) at about XXXX Arizona time, but because it was not by XXXX East coast which I didn't know, they will charge me a late fee of about {$35.00}. When I called and asked to remove the late fee since I paid on my due date, the operator said the computer wouldn't let him doing that, so he transferred me to a supervisor and the lady told me she can't remove it. This is not fair, especially in these difficult times of hardship, and I request CFPB to contact CapitalOne and to ask them to remove the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: IL
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 sent letters in XXXX in regards to collection accounts on my report asking for them to be validated or removed and neither was done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
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: Information belongs to someone else

Complaint:
On XX/XX/21 I received a notification of a XXXX XXXX inquiry that was fraudulent. Transunion would not allow me to dispute the fraudulent inquiry. I already have 3 XXXX XXXX accounts on my credit file and it is not logical for me to apply for another one. I am also in the process of closing on a home towards the end of XXXX and this inquiry could destroy my process.

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: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is now the 2nd time I have had to report inconsistencies from XXXX based on the actual balance of an account and my personal Credit Report. XXXX has yet to resolve the inaccuracy. Failing to correct this may result in a Civil Complaint being filed against XXXX for failing to provide accurate reporting to the Credit Bureaus. This is a serious concern when inaccurate information is either withheld, purposely falsified, or intentionally changed inaccurately or left unchanged inaccurately. 

As of XX/XX/2020, the Report is now 5 days inaccurate as a recent payment was established and resolved any delinquency on XX/XX/2020. Please make every coordinated effort to provide factual information to the Credit Bureaus, as this information is not correct, notwithstanding, this inappropriate series of inaccuracies justifies litigated action on my part, and XXXX risks that possibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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