BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I have numerous credit inquires from banks that I never applied for loans from

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to XXXX XXXX ( XXXX ) at least once a month since XX/XX/XXXX to have them report my account as closed and settled. They had misreported my account as delinquent in XXXX and neglected to take action on my requests to report the settled balance. Further, I opened multiple disputes with all three credit bureaus to resolve the issues. The bureaus cleared the delinquent reporting for XXXX but did not correct the account settlement issue. Dispute Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-09-30
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have National Credit Systems on my credit report for a debt ( {$6500.00} ) I have no knowledge of, they are collecting a debt they bought from a company I used to have dealings with but they never told me about this debt. I have asked XXXX XXXX to remove it from my report and they refuse, I have asked them to validate the debt and they refuse, there is no contract between them and the other company for them to collect on their behalf, I have also received threats from this company and harassing phone calls to not only me but one of my relatives. I sent a validation letter to them with a response of they didn't have to validate this debt and they state that there is a law suit against me but when I check with the courts they would've had to go through they state there is no suits or judgements against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I first sent out my disputes to the XXXX CRAs on XXXX via fax and certified mail the same day. I only sent XXXX letter to TransUnion without " additional information ''. This is the way that everyone sends in their disputes. I received a letter today stating that my original letter was received on XXXX/XXXX/XXXX and " additional information '' was received on XXXX/XXXX/XXXX, therefore they have an additional 15 days and that it will be completed on XXXX/XXXX/XXXX instead of the 30 days mandated by law under FCRA XXXX XXXX. This is unlawful ; I never sent anything other than my XXXX letter with identification. They are not allowed to do this. I know many people who have done the same thing and they did not receive letters as such and I have also consulted an attorney and they said this is against the law. They MUST process within 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: MIDCOUNTRY FINANCIAL CORP
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am military and I am going through a hardship right now with my wife going back and forth to custody court for her daughter and her father had XXXX her. All my creditors are working with me to get lower payments except for one Pioneer Services. They unwilling to work or budge at and they state that they are in support of the military i have asked many times and contacted them many times with no resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Credit Karma, LLC
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I was unable to register for creditkarma unless I used my married name. I have been divorced for several years and I was n't even married long enough to need to legally change my name. There is also an address on my credit report that does n't even exist.

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 2016-02-24
Company: Brennan & Clark, Ltd., LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i was contacted threatened with legal action if I did not pay was told that a court date was set and that they would be suing me I was told if I did not pay I could be arrested I was not verified no attempte to collect a debt and now they are refusing to up date on my credit report or provide me a letter I am contacting my attorney to file legal action on this company and will be contacting the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As always. I usually check my credit report monthly. On XX/XX/XXXX was exception that's when I noticed a few derogatory comments on my Experian credit report. On that same day XX/XX/XXXX. I called the number that was on the report and spoke with a representative from XXXX XXXX. I was told I'm being recorded. Then I was asked a series of questions which I answered. During our brief conversation I asked the representative. What's mailing address on the invoice? She replied with a po box . I then told her I don't have a po box and it would be greatly appreciated if your company remove the derogatory report off my credit. She agreed. Fast forward to XX/XX/2021about a week later nothing has done in this regard. Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; CA XXXX XXXX Thanks- 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 2017-02-14
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was specific that I would pay the agreed amount if they would give me a letter once paid stating that the debt was paid as agreed. I required them to send me a letter prior to payment addressing this. I received the letter prior to payment - stating that once my payment cleared the account would be paid " Less then owed '' ( but is was the amount that we settled on ). I paid w my bank card the funds were taken out of my account over {$600.00} I called everyday and was told I had to wait for the funds to clear -even though checking my bank the funds did clear. After 2 days the funds had cleared they sent me a letter stating the same thing as the pre payment letter - 'WHEN YOUR FUNDS CLEAR ... I explained to them this is not prof that the account was paid and then it says less than owed, and I tried to address them that they told me it was a settlement amount and should be a settled as agreed. I am trying to re-coop the monies from my bank and will pay the co directly ( which will be additional XXXX dollars ) but at least it will be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Our home was serviced by CHARTER ONE BANK.We paid additional amounts to pay off the loan early.Those amounts not applied properly towards principal reduction. 
The loan was paid off in 2/2011we wrote many letters to them to give us back the amount of {$2500.00}. 
they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion Has illegally shared my report with a auto dealership in Oklahoma, nearly XXXX miles away from me. They will not delete " XXXX XXXX '' or the XXXX XXXX lending inquiries. This violates FACTA, and once again shows TRANSUNIONS ABOVE THE LAW MENTALITY. They then list " Promotional Inquires '' despite just pages before affirming and attesting that I AM OPT-OUT FOR 7 YEARS. THIS COMPANY IS AN ANATHEMA TO THE AMERICAN CONSUMER AND SHOULD BE INVESTIGATED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting on report XXXX account is reporting wrong date of first delinquency. XXXX account was sold/transferred XXXX times. Date of first delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have Pro Collect on my credit report for a debt I have no knowledge of, they are collecting a debt they bought from a company I used to have dealings with but they never told me about this debt. I have asked Pro Collect to remove it from my report and they refuse, I have asked them to validate the debt and they refuse, there is no contract between them and the other company for them to collect on their behalf, I have also received threats from this company and harassing phone calls to not only me but one of my relatives. I sent a validation letter to them with a response of they didn't have to validate this debt and they state that there is a law suit against me but when I check with the courts they would've had to go through they state there is no suits or judgements against me.

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 2021-09-30
Company: EQUIFAX, INC.
State: UT
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: ERC
State: PA
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:
XXXX XXXX XXXX called said i had an outstanding bill of {$180.00}. They read off a phone number which was not one of mine. They would not say the address on the account.I informed them that the bill was not mine. Today I found that item on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: AR
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:
After reviewing a recent copy of my credit I came to the realization I have become a victim of XXXX XXXX. I recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX # XXXX 4. XXXX  XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including XXXX Experian, and XXXX It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Experian has violated my consumer rights and the FCRA per section 605b, 609, 611. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports and Experian has failed to provide any documentation obligating my to the fraudulent accounts. I have no recollection nor recall opening or establishing any of these accounts listed above.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Reporting act XXXX Account # XXXX, has violated my rights. 

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 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 2022-05-05
Company: Experian Information Solutions 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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to 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 2020-04-19
Company: Creditor's Collection Service, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
They put 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 2016-04-01
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had paid off my auto loan ( for a XXXX Chrysler 200 limited ) over a year ago and I am asking that Ally remove my loan from my reports. Account # is XXXX. I had previously disputed the months they had reported me late and go no response so I am asking that we just remove the accounts from my reports.

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 2022-05-05
Company: AMERICAN HONDA FINANCE CORP
State: TN
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 reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NV
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 Reporting act XXXX Account # XXXX, has violated my rights. 

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 2019-05-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been fighting ID THEFT for sometime now and have several fraudulent accounts reporting on my credit report. I have sent supporting documents showing this fraud, as well as FTC complaint forms. This failure to comply in deletion of these identified fraudulent accounts is a clear violation of FCRA sub sections 605b and 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-29
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I signed up to check my FICO score at Experian.com. This was supposed to cost {$5.00}. I was then apparently enrolled in a monthly recurring program, and charged a fee of {$19.00} per month. Experian refused to refund XXXX of the XXXX charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian is reporting inaccurate personal information on my credit report. I tried to dispute it online but it would n't come off. 

Incorrect or Misspelled Names : XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX, VA XXXX XXXX XXXX, VA XXXX XXXX XXXX, VA 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