BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Portfolio with supporting documentation and received an unacceptable response from them. A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). XXXX XXXX is not my creditor. I have attached a copy of my credit report showing where Portfolio has inserted a multiple tradelines in my credit reports. This reporting is frivolous and inaccurate. Please see pages XXXX - XXXX of the attached credit report to view the inaccurate information. Also I attached a copy of the direct dispute letter that was sent to Portfolio Recovery certified return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, entered into a consumer credit transaction with UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a INSTACREDIT AUTOMART on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a/ INSTACREDIT AUTOMART in fact took cash. The finance charge is supposed to include insurance, but UCA, INC d/b/a INSTACREDIT AUTOMART made me purchase insurance separately. UCA, INC. d/b/a INSTACREDIT AUTOMART did not present me with a Right of Rescission in this consumer credit transaction which is a violation of 15 USC 1635. Upon violating my rights as a consumer under Truth & Lending Act, this same company also committed fraud under the FDCPA. These FDCPA violations include invading my privacy, contacting me multiple times that were inconvenient to me, continuously harassed me, used profane and obscene language, hurt my reputation as a consumer, sold the alleged debt to coerce payment, illegally repossessed my vehicle twice, used unfair and unconscionable means to collect the alleged debt, furnished misleading and deceptive forms, and has caused a tremendous amount of actual damages behind these fraud acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Specialized Loan Servicing Holdings LLC
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
We had a HELOC ( Home Equity LOC ) with a company called " Specialized Loan Servicing '' ( SLS ) for ten years, which was paid off in full per their terms ( ten years maturity ) XXXX 2015. Our new lender and myself were in constant contact with representatives from SLS on the pending closing of our new mortgage. SLS was informed that the closing might happen a couple of days beyond XXXX/XXXX/15 due to additional paperwork required, but they understood, and stated it would not be a problem as they had their guarantee that the loan would be paid off. We paid this company for 10 years on time every month ( never late )! And I just received my credit report for XXXX/XXXX/15 and noticed my credit score had dropped about XXXX points ... .what! I have consistently held a credit score above XXXX and this company marked our last payment as late, which affected my great credit! I called them today and was told that I could sent a formal complaint ( by fax ), which I would get a response in 30-60 days! I am NEVER late on my bills and need them to remove this late payment, which was posted to my credit in error! Please help as this is the worst company I have had to deal with!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I CALLED AND SPOKE WITH A REPRESENTATIVE FROM XXXX XXXX XXXX, XXXX XXXX, AND XXXX TO DISCUSS THE ( XXXX ) 30 DAY LATE REPORTED TO THE ( XXXX ) CREDIT BUREAUS. I WAS OFFERED A PAY AND DELETE AFTER FULL BALANCE WAS PAID OFF FROM THE XXXX XXXX. XXXX STATED THEY WOULD TAKE CARE OF IT AFTER REVIEWING MY HISTORY OF SEVERAL YEARS IN GOOD STANDING. XXXX XXXX OFFERED TO DELETE AFTER EXPLAINING THE XXXX THAT CAUSED THE LATE. I CONTACTED BOTH COMPANIES AFTER PAYOFF AND THEY STATED THERE WERE NO NOTES OF ANY CONVERSATION AND DID NOT REMOVE NEGATIVE REPORTING.SEVERALH UNSUCCESSFUL DISPUTES WERE MADE THROUGHOUT THE YEARS. I REQUESTED INFORMATION OF CONTACT PERSONS THAT I PROVIDED WITH NAMES, DATES, AND TIMES I SPOKE TO EACH COMPANY REPRESENTATIVES. THE CREDIT BUREAU NEVER REPLIED WITH ANY RESPONSE TO THE CONTACT PERSON AND HAVE DISREGARDED ALL REQUESTS MADE CONCERNING MY ISSUES. I DO N'T THINK THE CREDIT BUREAUS INVESTIGATED THE CONTACTS THAT I PROVIDED. THEY INFORMED ME THEY DO NOT GIVE CONTACT NAMES TO CONSUMERS AND THEY WOULD SUBMIT THE DISPUTE INFORMATION ELECTRONICALLY. THE BUREAUS HAVE FAILED TO REMOVE OR DELETE THESE ACCOUNTS. PLEASE HELP ME IN CORRECTING THESE ISSUES.

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 2021-08-06
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCB Management Service has removed the scheduled date that this account is scheduled for removal from their entry, or the date of first delinquency, listed on my XXXX  Credit Report. It appears that NCB Management Services is re-aging debt that is now past the California statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 applied for an Installment loan with One Main Financial on XX/XX/XXXX. I was not ready to secure the loan after I was approved. Two weeks later I was ready to apply for the loan, and I called the office and spoke to the same representative. I was told that I had to reapply. I explained that if credit information does not change within 30 days, why should I have to apply? She noted that she thought it would be a " soft pull '' on my credit report. I have approved again for the installment loan. To date, I have two " hard inquiries '' from One Main Financial, XXXX XXXX, XXXX, and XX/XX/XXXX. After realizing the two inquiries were on my credit report, I notified the One Main Office, and they said they escalated my issue. I received a notice regarding the confirmation of the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a report from XXXX XXXX stating the balance is Unpaid and there is still a balance owed. It did go to a collection agency but I PAID it off and have a letter stating so. So the exact same INCORRECT information has been reported XXXX on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, 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:
There are 15 accts on my credit report that do not belong to me I have contacted the bureaus as well as all the funrihsers regarding this and nothing is being done I have no idea how these account appear on my credit report or who is using my identity please help me with the removal of false information on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I ordered my free annual credit report from Experian. I also decided topay {$4.00} to obtain my FICO score. I received both. Experian then usedmy credit card info to bill me {$19.00}. I do n't know what for and theyrefuse to tell meunless I give them my social security number and birthdate over thePhone - in addition to my name. I gavethem my name and SS # but birthdate too was too much to divulge to strangers over the phone. They have no contact for billing issues. I saw multiple complaints for the same issue from others online. It looks like they are signing people up for services without authorization andthere is no way to address it with them. If you do n't pay, they 'll destroy your credit rating. I am trying to dispute it thru my credit card co but Ido n't know if that will be successful. I could use some help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: TX
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:
fcra violations not mine : 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, TX XXXX Resident type Post office box accounts not mine : XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$10000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$360.00} Status Collection account. {$360.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$930.00} Status Collection account. {$930.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have made several attempts to download my credit information from Experian an Have called them o their hotline at XXXX XXXX to no avail. I have used their direct website where you have to pay as a last resort several times after they said they made repeated attempts to reset the system for me. I have had no trouble obtaining my tranunion, and equifax reports but this is an immenense mystery toe. I made an additonal attempt to apply by phone and surprisingly the system found me, but they said they will try to send me a copy to my home address within 15 days if they can track all of my information down. In any event they will attempt to locate my info and send what they have. This Is All Surreal. I am XXXX years old and XXXX credit agencies can find me on the spot, and another does not even believe that I am an American citizen. How Is this Possible? Does Experian do their call center business in XXXX? Please help me get a copy of my Experian report. Thye call center employee aqctually told me that she cold not help me. I am working with lexington law firm to help improve my score from fair to excellent. Ineed your help obtaining my legal rigt to posess my experian report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Chevron is reporting me on the credit bureaus as past due 90 days. This is incorrect, I was never late with my payments.

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 2021-08-06
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 information incorrect

Complaint:
I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. 

I recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. 

The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.

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 2021-08-06
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: Account information incorrect

Complaint:
I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. 

I recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. 

The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.

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 2020-08-18
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX  XXXX {$490.00} XXXX XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted the reporting aciency reguarding information that should be off my account due to either settlements that I am not allowed to discuss or companies that can not prove that this debt is mine. My personal information has been stolen from XXXX different data breaches so I want a signed contract or the credit reporting agiency needs to remove it imediatley. All these companies need to do is say someone owes them and then your life is ruined. I will retain a lawyer if the items I disputed are not removed imediatley.

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 2021-08-06
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 information incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX-Balance : $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXXDate Opened:XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : XXXX XXXXDate Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/2020 I paid off a {$12000.00} auto loan with XXXX XXXX XXXX XXXX XXXX Experian was taking a long time to update my credit report and still said I had {$3000.00} that I owed on the vehicle and I have paid that already I contact the Experian asking them to update my auto loan is paid off XX/XX/2020 they reported it was paid off but XX/XX/2020 removed it off my credit report and I've been trying to get it back on ever since I have proof that XXXX XXXX XXXX XXXX have been reporting this paid auto loan to my credit report and experience refusing to place it 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 2016-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2016 the XXXX auto payment in the amount of {$540.00} due Capital One Auto Finance was deducted from my checking account. The following day- XXXX XXXX, 2016 Capital One again deducted {$540.00} from my checking account. 
For the past 2 weeks, I have been contacting Capital One trying to get the double payment reversed. 
Today, Capital One asked me why I had n't contacted my bank to reverse the charge. I explained that XXXX XXXX XXXX requires customers to contact the merchant before filing a claim. 
Capital One is refusing to reverse the 2nd payment. They are insisting that if they reverse the XXXX XXXX payment, my XXXX payment will be due on XXXX XXXX. 
They took out my XXXX payment on XXXX XXXX. How many payments do they need for the month of XXXX?

Company response to consumer: Closed with explanation