BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16
Company: Experian Information Solutions Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I applied for credit with XXXX XXXX expecting them to run my credit with XXXX for financing. They initiated XXXX inquiries to obtain financing for the vehicle. This was not disclosed to me. It has damaged my credit for over a year now. Businesses should not be allowed to do this without first advising consumers what they are going to do and what the impact of that can be on them.

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 2021-03-08
Company: Siggi LLC
State: SC
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint since Experian has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is reporting a collection item that I do not owe the original creditor for. They will only mark it as " disputed '' when it should be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax : Under both Federal and New Jersey law, consumers are entitled to XXXX free report and discounted reports ( in many states ) thereafter. Equifax discriminates against those requesting scores under provision of law and will only deliver full price reports online. The process to order and/or receive free and discounted reports is unduly cumbersome and has the effect of negating the intent of the law. Consumers are virtually forced into paying full price. Consumers wishing to correct errors or detect fraud must choose between a delay ( if they exercise legal rights ) or paying extra. I was able to get a full price report delivered online immediately but could not access a free ( or state discounted ) report without writing a letter of request and searching for the proper address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Commonwealth Financial Systems , Inc. Commonwealth Financial Systems , Inc has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Commonwealth Financial Systems , Inc . They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am a XXXX American Veteran ( XXXX ), and in XX/XX/XXXX the Department of Veteran Affairs ( VA ) erroneously input my Social Security Number ( SSN ) as " Deceased ''. The Dept. of VA corrected their files in XX/XX/XXXX and I went to my local Social Security Administration ( SSA ) office and had my Social Security Number ( SSN ) reaffirmed. All government agencies and credit reporting agencies have removed my SSN from being DECEASED, except for EQUIFAX reporting agency. I have submitted the SSA office reaffirmation letters, my drivers license, social security card and military ID card to Equifax TWICE ; but they still will not reinstate my SSN as active on their files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report shows XXXX open amounts from XXXX collection companies that have been paid since 2011. 

I am trying to get a home loan and I am unable to get my score to go up. I make regular payments and pay my cards off or at least to XXXX the remaining balnce at most.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was rushed to hospital with XXXX XXXX XXXX an was not able to pay for my services rendered at this time. XXXX XXXX contaced a charity and said that the cost of my services woukd be written off or a charity organization would take care of this ordeal.At the time of sickness there was no insurance and I was not able to pay for my sickness. I work parttime in a XXXX and insurance is not provided by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed several fraudulent accounts that appear on my Equifax credit report since XXXX XXXX, 2015 and they accounts remain and no investigation has been done on my behalf. I have also spent countless hours on the phone with the unknown creditors and was able to have some accounts removed. I also sent Equifax a copy of my police report. 
XXXX XXXX XXXX account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
The following inquires on my credit report were NOT authorized by me. 
I had financing secured through my credit union and has cash available to pay for a vehicle. I have tried to have these items removed and they still remain. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2016-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
on several accounts, there is a mortgage listed as included in Bankruptcy, yet I did not have a mortgage included in my bankruptcy filing. I can provide a copy of the discharge and all bankruptcy paperwork to show the actual filing.

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 2021-03-09
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. It was paid and please remove it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I file a police report supporting my claim on fraudulent accounts that are reporting negatively on my credit report, that I did not apply for nor did I authorized someone to use my personal information to obtain credit. I lost my wallet with my personal info, and to my knowledge someone has been using that information to obtain credit and write bad checks.

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 2015-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
It shows on my credit that I have a {$75.00} balance still do to a collection angency. I called that agency and they have notified me this balance was paid in 2012!! Why is it still on my credit report and its affecting my score to get any types of loans. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Items were not investigated. Contacted court house stated they do not report information to credit bureaus. Transunion stated they verified the information and it is not factual and is inaccurate.

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: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XX/XX/2021, I was approved for Apple Card. I requested the titanium physical card, and I have yet to receive it. I have called Goldman Sachs and Apple regarding this issue, and have yet to reach a resolution. After many weeks, a manager finally called me just to tell me that the issue is still being worked on. I do not understand why it takes so long to issue a physical card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Capital One keeps reporting my debt of {$1100.00} as derogatory as of XX/XX/2021, and they have no proof that I owe that amount. All of the charge offs on XXXX on my credit report are false with the other two bureaus being blank with no info leading me to think that there is wrongdoing and after being asked to remove the account from my account for false verification they agreed to on several occasions but has not in almost two years now every month I call them they said yes we will and after the 30 days they say that they don't recall talking to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Under credit inquiries both Transunion and XXXX are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting 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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/2021, I checked my credit report to find several discrepancies, inaccurate information, and unverified accounts on all 3 of my credit bureau reports. I sent in dispute letters to each bureau, that specified which accounts were inaccurate, and asked for them to VERIFY or DELETE each account. By law they have 30 days to respond or verify and only XXXX  has responded. I am asking that you have XXXX  and also TransUnion DELETE all of my disputed accounts, and also fine these companies for reporting false credit information. XXXX did respond but they have not actually verified any of the accounts with signatures or original documents, therefor the disputed accounts should be removed from their credit report as well. I will attach each complaint letter I sent to each bureau with dates, as well as my receipt from the post office that shows proof that each bureau has had a copy of their respective letters for over 30 days. 

Thank You

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 2017-03-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
Good morning, I would like to get the hard inquires removed from credit reports. Can you guys assist with this? Some of these are old and are affecting my credit score. Any assistance that you can provide is greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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: Their investigation did not fix an error on your report

Complaint:
There is a alleged bankruptcy on my credit report. I have disputed it numerous times and all 3 credit reporting agencies keep telling me it was verified through a 3rd party company. I have reached out to the companies they claim they verified it through and the companies has denied claims. I also sent the denials to all 3 credit reporting agencies and they then claimed that it was verified through the courts. I went to the courts to see if this was factual and the courts informed me in writing that they do not verify anything to anyone. I then sent the letter to the credit reporting agencies and all 3 sent decisions back saying verified but will not tell me who it was verified through, how it was verified and the name of the person who verified it. It is my rights to know those things and if they can not tell me who it was verified through, how it was verified, and the name of the person who verified it with proof of verification, all 3 reporting agencies is to remove the alleged bankruptcy right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Today is XX/XX/2016. Approximately 2 weeks ago a Discover card debt collector contacted my father at his home looking for me. Which made no sense since discover had my contact info and had been speaking with me. They told my father that they were trying to reach me. They also said that I was behind on my payments by XXXX and that I owed a total amount of ( I am unsure what the total was at that time ). My father told them I did n't live there and never have and to not contact him again. I have not spoken to my father in almost XXXX yrs. Discover had no business giving out my personal info. They did however leave a contact number, ( XXXX ) XXXX, which is a Discover card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In XX/XX/XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit. My next payment due date was XX/XX/XXXX in the amount of {$330.00}, but was advised that the account would be frozen until XX/XX/XXXX. 

I called again on XX/XX/XXXX to extend the deferment since I continued to still experience a decrease in income due to COVID and was then told that my payments would again reset to {$0.00}, with the next payment due XXXX. I called on XX/XX/XXXX to make a payment of {$330.00} ( the amount I was told was currently due on the account - confirmation # XXXX ). I was told the next payment amount due would be for {$350.00} and did request an additional extension with the next payment being due on XX/XX/XXXX. I again made sure nothing would negatively impact my credit. I was advised to pay {$350.00} in XXXX to avoid a 30 day late and had made that payment on XX/XX/XXXX ( again being advised by the agent that I had no incurred a 30 day late payment. 

It turns out that the creditor did in fact report me 30 days late in XX/XX/XXXX which devastated me since I had never had issues like this, AND have been a customer since XXXX with excellent payment history. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18
Company: WLCC
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a XXXX loan in XXXX 2015, they were not clear in the terms, though I questioned them, and was provided false answers since then they have been garnishing my account every two weeks for at least XXXX some weeks XXXX, I have called multiple times, and tried to pay them in full, but have been unable to, I 'm being told that 's not how it works, I have paid over XXXX for this loan so far, I just want to be able to pay it off and be done. Please help.

Company response to consumer: Closed with monetary relief