BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: CCS Financial Services, Inc.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I disputed the incorrect information. The company received the information from XXXX XXXX indicating that the late payments were reported in error. The company only removed the two thirty day lates. They did not remove the 60 day late although XXXX XXXX indicated that the payments were posted incorrectly. I was not late in XXXX or XXXX so there is no way that there was a 60 day late. I applied to refinance my house after I was told everything had been corrected. I was denied. I want the incorrect information removed, the inquiry removed, and my credit rescored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020 an derogatory account was reported for the amount of {$2300.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/2016 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. Now they went to the credit reporting agencies to blacken my name and blackmail me into paying a bill that has nothing to do with me. Please help me defend myself against this cruel, vindictive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Their investigation did not fix an error on your report

Complaint:
This is a clear inaccuracy and a clear violation against my rights, Please take this off from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Information belongs to someone else

Complaint:
I have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. 

Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX, XXXX # XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. 

XXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 
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 explanation
Consumer complaint received 2017-10-09
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
From XXXX to today XXXX/XXXX/XXXX Discover BANK has been sued over 40 times in Federal courts and over 200 times in States courts each time Discover were order by the courts to pay damages! I have never received o cent form Discover BANK!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX sold or transferred a XXXX XXXX account ( XXXX ) to XXXX XXXX. This XXXX account number XXXX has since been resolved. A full and final resolution resulted in the removal of the XXXX line item from all XXXX of my credit reports. Experian has not removed the XXXX XXXX corresponding line item from my Experian Credit file, but they have removed the XXXX line item. All other credit bureaus have removed both the XXXX XXXX and the corresponding XXXX XXXX line item from my files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
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:
I have reached out to Equifax several times in the past few months as it pertains to my credit report. I have been erroneously denied credit, checking accounts and loans after being a victim of hurricane Irma due to false information on the Equifax report as Equifax is reporting me a deceased! on XX/XX/XXXX I mailed and faxed a copy of my ssn card and drivers license to have the account updated. I received a letter stated it had been updated to only find out on XX/XX/XXXX when I went to apply for a emergency relief loan thru XXXX XXXX that the account was reflecting with limited credit due to consumer deceased alert! I was also denied a checking account thru XXXX XXXX XXXX XXXX due to the same error! I called Equifax on XX/XX/XXXX after waiting 3 hours the rep advised that they were showing no errors. Call disconnected and I called back on XX/XX/XXXX and requested a supervisor, only to be told that they do show the error and it was a technical glitch and it would be corrected within 24-48 hours. I waited that time and reapplied for the emergency relief loan and credit card- only to be declined for the same issue! I am livid. I have inquiries that should not be, I even ordered the Equifax credit report, however credit card companies, which I have a denial on file to show you have erroneously denied and extended credit due to an error that should have been fixed months ago. It is not fair and it is illegal as they have had months to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: AMERISAVE MORTGAGE CORPORATION
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Initiated loan refinance with amerisave in XXXX 2015, it is XXXX and loan is not closed. My credit my ability to pay and documentation have been provided. The damage to me financially by not closing in a reasonable amount of time ( I consider XXXX days XXXX is at {$1200.00} and counting. This company has now restarted like this is a new loan asking for all same docs already provided and running a hard push on my credit report and ordering a XXXX appraisal on property. I think I am being scammed the interest rate I locked in XX/XX/XXXX is not offered I ca n't move on to another lender because of application fee and appraisal fee I have already been charged and I am not willing to forfeit. 
Please advise

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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: Public record information inaccurate

Complaint:
ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE 2014 INCORRECT " XXXX  '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH XXXX BANKRUPTCY

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 2015-04-23
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Fell upon hard financial times! XXXX business went under, had to sellshares of another business to cover due from share holder! went through a long costly divorce! 
I changed from office/owner to hourly employee! with a drastically pay cut! 
I found myself homeless ( house foreclosed on! ) and owing money I could not repay! I called Region 's Bank and explained to them my status! They ( same day I called ) immediately came and took ( repossession ) Motor Home! Yet after them taking Motor Home my Debt with them went UP! they did not give any value ( for what they sold it for )! They keep showing recent payments! I have notmade any payments to Region 's Bank for Motor Home once theyReposed it! 
Due to my misfortune 's and the Banks tactics I have no choice butto file Bankruptcy!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The addresses is reporting incorrectly on my report.I have no knowledge of any of these addresses other than my current residence, XXXX XXXX XXXX XXXX CT XXXX. 
this has been my address for 10 years.

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 2021-10-08
Company: Fidelity National Financial, Inc
State: FL
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:
XX/XX/2021 I started to buy my first home. My offer on XXXX XXXX XXXX Fl was excepted and I started all the process of Appraisal, Inspection and survey. All required and I PAID FOR for my FHA Loan. My 1s Appraisal the seller agent tried very hard to get me to drop out because he had a cash buyer. I would do that. And he constantly kept trying. I had the survey done ( I PAID FOR ) done but Fidelity Title Company XXXX fl took upon themselves to give my survey ( I paid for ) to the seller agent and NOT to me, my realitor ( XXXX XXXX and her broker XXXX ). or to XXXX XXXX ( where I was getting my loan through ). This was done WITHOUT MY PERMISSION. Through all this I had to seek counsel from XXXX XXXX. A added financial burden that should have not had to happen. I personally feel ALL those involved in this ILLEGAL & UNPROFESSIONAL ACTIVITY should be accountable. I also feel the seller agent and broker needs to be held accountable for their UNPROFESSIONAL action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: LendUp Loans LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2022-08-03
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:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Original Creditor : XXXX XXXXXXXX Account Number : XXXX Address : XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX Phone Number : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from XXXX XXXXXXXX Account Number : XXXX. This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly 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 am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After my social security card was lost I had my identity stolen and a number of accounts were opened fraudulently. One of them is an account with Express. This debt has been purchased by XXXX XXXX XXXX. I do not know how much the debt is for the account was opened by someone else and this is a case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
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:
in accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # ( XXXX ) 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
I never finished the program and never received a refund. I am on an income based repayment plan and it still showing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be  permanently removed from my credit report. 

I contacted transunion and they would not help me in this matter. Please assist in this matter.

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 2021-10-08
Company: WorldRemit Corp.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
World Remit debited my account for XXXX on XX/XX/21 and have no record that the activity occurred from their review. Bank ( XXXX XXXX XXXX XXXX ) statement and confirms show this unauthorized transaction. Bank not willing to help me resolve and state money is with remit. Remit has no record of this transaction.I am at a loss of XXXX dollars which can not be accounted for.

Company response to consumer: Closed with explanation