BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
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:
I have 4 missed payments reporting to my credit from XXXX XXXX ..those where clearly an miscommunication or somethingthe account has been paid off and on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
I am submitting this CFPB Complaint to request that your remove the disputed fraudulent account and information off my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible 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 XX/XX/XXXX. I have read that under the FCRA section 605v, you are required by law to remove any accounts and information that resulted due to identity theft, so please comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BWW Law Group, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX and XXXX XXXX, am officially filing this complaint against Debt Collectors ; BWW Law Group and XXXX XXXX for violations under the RESPA. On XX/XX/2017, BWW Law Group and XXXX XXXX auctioned off our property known as XXXX XXXX XXXX, XXXX, Maryland XXXX. However, these debt collectors had no standing to sell our property. In addition, the document used as a debt instrument was fraudulent and the lender named as the secured party to the foreclosure, XXXX Mortgage, had NO knowledge that they were a part of the unlawful sale of our property. Furthermore, at the time of the foreclosure sale, there was no debt or lien on our property. This has since in recent events been validated by the lender XXXX Mortgage that we owned the property free and clear. These Debt collectors were aware that there was no debts or liens on our property. They used deceptive practices to convince the court to allow them to commit these fraudulent acts against us and our property. Now, we are days away from being evicted. This action has forced both me and my wife to file for Bankruptcy in order to stave off the evictions. IF WE DO NOT GET HELP, WE WILL BE HOMELESS AND WITHOUT MEANS! WE ARE ASKING, IF POSSIBLE THAT CFPB OPEN AN INVESTIGATION CONCERING THE DEBT COLLECTORS BWW LAW GROUP AND XXXX XXXX. The lender who transferred our mortgage was XXXX XXXX. XXXX transferred our mortgage to XXXX Mortgage, and XXXX transferred our mortgage to XXXX XXXX. All of their action were violation under RESPA Law! XXXX Mortgage has already submitted its deposition ( XXXX ) to the CFPB. ( See Attachments ). 

BWW Law Group XXXX XXXX XXXX, XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Albert Corporation
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2021 they took {$20.00} {$30.00} {$44.00} and {$30.00} again then on XX/XX/2021 they took {$11.00} then {$30.00} and {$11.00} again

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 monetary relief
Consumer complaint received 2020-01-18
Company: Convergent Resources, Inc.
State: TN
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 account is not mines i have tried to resolve this issue with the debt collection company because this is identity thief but they refuse to investigate this account. 

CONVERGENT OUTSOURCI XX/XX/2019 XXXX {$2200.00}

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 2020-01-18
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 attended XXXX XXXX College XXXX for summer and fall sessions. I moved from XXXX to XXXX Florida for a family emergency in XX/XX/XXXX. I never received any emails or forwarded mail about my payments or when they would be do. I check my credit periodically and noticed in XX/XX/XXXX that they hit my credit score saying that my payments were late by 120 days and 90 days. I immediately called them and explained the situation and they stated that they could not take it off my credit. I have submitted multiple disputes but none will go through. I have showed that I make all of my payments on time and plan to continue to make them until the loan is paid off.

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 2021-01-18
Company: WELLS FARGO & COMPANY
State: NV
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:
Starting XX/XX/XXXX, I began working on the Wells Fargo credit card account and how it is reporting to the 3 credit bureaus. The reporting is incomplete, inconsistent, and not verified. Every month hence, I reached out to the credit bureaus and information always come back verified with no changes to the information and no proof of investigation was provided to me. XX/XX/XXXX I contacted Wells Fargo Executive Office in regards to this matter. Wells Fargo stalled and XX/XX/XXXX, I got a response from XXXX XXXX saying they fixed the account and the way it was reporting inaccurate and incomplete and inconsistent and to allow 30 - 60 days for it to reflect on my credit report. XX/XX/XXXX I pulled my credit report and nothing was fixed for this account. Please see attached to see how each bureau is reporting the account.

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted several letters in dispute of inaccurate information in my credit profile. The company has not provided me any proof or documentation as requested. I submitted 5 different letters. 1st dated back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which I receive a credit report with no solution to what I have been disputing this entire time ; and most recent one which was on XX/XX/XXXX that I resent asking for those accounts to be reinvestigated. However, my request continues to get ignored. They are not incompliance with their policy. It is taking them more than 45 days to respond. Once they respond, it is just a credit report with no evidence or documentations. The creditors that said I owe this allege debt, has not contact me. These accounts has been placed with a collection agency and I am unaware of.

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 2021-01-18
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-18
Company: Cadillac Accounts Receivable Management
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company Cadillac Accounts Receivable text me concerning an alleged debt. I do not know are ever done business with the company. I have attached a letter for the company to validate the alleged debt within 30 days from XX/XX/2021 per Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX/XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}

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 2022-07-29
Company: EQUIFAX, INC.
State: IN
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:
I have incorrect addresses reported on my credit report, that have accounts attached to them that are not mine. 

The following addresses on my credit report, I have NOT lived at : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When getting my credit score on XXXX XXXX I have never been able to see my equifax score. After talking with mortgage people I was told I was going to need my score from them. I have called dozens of times and sent in the required documents several times and nothing ever changes. They claim that they have nothing tied to my SS number and that I needed to call my credit card companies and make sure they are reporting to equifax. I have done that and every open account I have is reporting to them. It seems as though they are not willing to help me get this fixed and Im not sure where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: PNC Bank N.A.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting XX/XX/XXXX they have been calling 5x a day. I paid part of my payment this month because I couldn't afford the entire payment. They have been harassing me since. They leave a voicemail but do not say what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a police report for identity theft called and talked to the company about this debt company agreed to removed after providing them with proof such as current address and police report I did so and didnt remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a vehicle financed with Toyota Financial. I was offered a much better rate by another lender to refinance. They received the payoff and officially closed the loan on XX/XX/XXXX. I had a payment due on XX/XX/XXXX, and because I didn't want it to impact the refinance, I paid it ( {$430.00} ). Because it was after XXXX EST ( I'm MST ), it didn't post until XX/XX/XXXX. Within 4 days, I recieved the overpayment the refinance company paid, which amounted to roughly {$45.00}. I waited to recieve the overpayment I made with the final payment, but it did not come. On XX/XX/XXXX, I reached out to TFS ( they had shutdown email complaints on their site ). I was told that because the account was closed, the money was just sitting in limbo, and she made the request to have it released. On XX/XX/XXXX, I still had not recieved the overpayment and I called TFS. XXXX informed me the funds had still not been released, and no check had been sent. She made a request for it to be released and sent by XXXX. On XX/XX/XXXX, I called to see if the check and funds were released. I escalated the call to XXXX, a resolution specialist. The check had still not been released and she told me it may be 5 more business days to process plus transit time. At this point, I don't see ever getting my funds back from TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
n 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. 


XXXX XXXX -Account # XXXX -Closed- {$23000.00} XXXX XXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX - {$14000.00} -Collection XXXX XXXX  Account # XXXX -Closed XXXX XXXX - {$2500.00} -XXXX XXXX  - Account # XXXX -Closed -XXXX XXXX - {$31000.00} XXXX XXXX -Account # XXXX -Closed- {$29000.00} -XXXX XXXXXXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX - {$14000.00} -XXXX  -Account # XXXX -Closed- {$620.00} XXXX XXXX XXXX -Account # XXXX -Closed XXXX XXXX - {$620.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
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 status incorrect

Complaint:
Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that XXXX XXXX XXXX had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX Bank 's customer service representative who explained that XXXX XXXX Bank had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite XXXX XXXX XXXX failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, 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
Consumer complaint received 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Kohls credit card account says on my credit report that its Capital One. Capital One has no record of it. Kohls has not record of it. How in the world do you handle misleading information? So unprofessional. This is fraud. I do not owe Kohls or Capital One for this on my Credit Reports. Careless use of my personal information. Inaccurate credit reporting on my credit report. No information provided and I was never notified of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: NC
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 have 2 disputes entered XX/XX/2021 and as of XX/XX/2021 they are still under investigation. And no one has contacted me to tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$91.00} ; XXXX XXXX Balance Owed : {$31.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$38000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unverified Re-Aging. Name spelled wrong on documents sent to my address while trying to collect debt from me! Account removed From XXXX But wont remove from XXXX  or 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