BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting a robo call from Focus Receivables and they want me to call back. I do not owe anyone any money that I have not paid or that I have not resolved any issues with. I am suspicious, because they keep calling me with a recorded call and not a live body asking me to call them back. I have a suspicion that this is just a ploy to get me to call them, so they can obtain information from me. I believe this is a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: FC HoldCo LLC
State: MD
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:
Defendant Flagship Credit Acceptance LLC, ( Flagship ) is a corporation with principal offices at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX. Flagship is a creditor who, in the process of collecting the reported debt, the altering of its name and account numbers which indicates a third person is collecting or attempting to collect such debts and is therefore a debt collector as defined by 15 U.S.C. 1692a ( 6 ). 

XXXX : I did receive an installment loan from Flagship with payment terms of 1 month. 

XXXX : I did not receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. 

I did receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. 

Flagship violated the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) by continuing the Flagship Vehicle Debt Account representation within my credit file with the Credit Bureau XXXX and by failing to permanently and lawfully correct its own internal records to prevent the re-reporting of the Flagship Vehicle Debt Account representations to the consumer reporting agencies. As a result of this conduct, action, and inaction of Flagship, I suffered damage by loss of credit ; loss of the ability to purchase and benefit from credit ; and the mental and emotional pain, anguish, humiliation, and embarrassment from losing my job due to the inaccuracies. I have disputed Flagship multiple time and successfully removed the incorrect/unverifiable information from 2 out of the 3 consumer reporting agencies. As a result, Flagship altered its number and account number to make it look at though I have 2 charged off accounts. The furnisher has not been able to provide 100 % accurate documentation and used deception to try to collect on this debt. I am requesting these aforementioned accounts be deleted from my credit profile.

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 2022-08-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
in 2015 I went to buy a car and I inquired the credit often without my permission, I request the removal thereof. these reports are in TransUnion, 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 2020-09-29
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in XXXX. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. That account was never late and was paid in full a the ned of the loan. The Huntington Bank keeps on reporting this account late and it's frustrating as I've been transferred five times when i contact customer care and none seems to have a solution. This loan have been paid in full and closed since XX/XX/XXXX. I don't know what else to do so I am finally coming to you guys for some guidance please. I also wrote to the credit bureaus and still have not receive any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2015-08-31
Company: Financial Asset Management, Inc.
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They repeatedly call several times a day using false phone numbers from around the country and leaving an automated message not actual person calling me even after I 've contacted them letting them know when I can pay. And they deny that it is them calling me. This happens about XXXX times a day. It has caused a great deal of stress for me affecting my job as well as personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Auto Finance has on more than one occasion intentionally changed the date of first delinquency extending the reporting period on my credit file. I have disputed this information multiple times and the result is the creditor reported the account open with a past due status dropping my score by more than seventy points. This account has been closed and charged off for more than seven years classifying as a zombie account and yet they are getting away with fraudulently reporting inaccurate information as well as manipulating information to extend the damage. If that wasn't enough, retaliation for challenging the information. Despite furnishing older reports which reflect older original delinquency dates dating back to XXXX of XXXX XXXX, I have also discovered another date back in XXXX XXXX and XXXX. Capital One Auto Finance refuses to correct this info rather they punish me by reporting different information to the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # 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 2016-11-22
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To who this may concern, XXXX/XXXX/XXXX My name is XXXX XXXX, I have contacted your company before due to our mortgage company not following guidelines about our modification. XXXX bank seems to have done it again, and refused our payments and according to the FHA guidelines if we live within a XXXX miles radius of one of their offices the company is to send an agent for a sit down conference, this never happened and we live within a XXXX mile radius of a branch in XXXX Michigan. Instead we had our payments refused on and off since XX/XX/XXXX, then XX/XX/XXXX, refused again in XX/XX/XXXX and then accept it again XX/XX/XXXX, and then refused the entire rest of XX/XX/XXXX only to have the payment accepted again XX/XX/XXXX. Our mortgage was then sold to Planet Home Lending who is a debt collection company and has also refused our payments from XX/XX/XXXX all the way up until XX/XX/XXXX and we were told they were attempting to collect a debt we would not have had if XXXX had just accepted the payments and followed the guidelines they were required to by law, Planet Home Lending then did a trial modification for 3 months, XX/XX/XXXX to XX/XX/XXXX. When that was done our payment in XX/XX/XXXX was refused, when asked why this happened, I was told by XXXX XXXX the modification was accepted, we then received permanent modification papers to be returned no later than XX/XX/XXXX with the first payment, which was n't due til XX/XX/XXXX, however we are also being charged and additional {$5100.00} for legal and attorney 's fees. I do not believe we are responsible for all this, due to the fact we made our payments on time and monthly, the payments were refused. We are now responsible for extra fees we did not cause and we have been placed with a debt collection company for a debt we did not accrue. I have all the documents to prove we made our payments and we even had to hire an attorney to explain why this was happening. I am at my wits end our payments have increased over {$100.00} a month, and we were not in the wrong or at fault for this to happen, how can a company cause this kind of issues and get away with it? 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: MI
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 have sent multiple letters to Experian requesting investigation of certain accounts that were incorrect or inconsistent with other credit reporting agencies. I sent a letter on XX/XX/XXXX requesting them to send me their methods of verification for these accounts. Experian decided to open a dispute instead and update the information without showing me the methods they used as requested. They did not only ignore my request for method of verification but they also neglected to respond in the 15 day time frame the letter was sent on XX/XX/XXXX and was not responded to until today XX/XX/XXXX. This company has violated my rights and have defamed my name if you can not verify the information you are reporting you must delete the accounts. I believe that Experian is choosing to ignore my request and violate my rights purposefully. I truly believe they have been stalling due to lack of information. Please investigate this company.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: PA
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, the following 13 accounts violated my rights 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 usc 1681 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. I am hereby requesting the following accounts be deleted from XXXX  credit reporting agencies XXXX, XXXX and Experian. 
1. XXXX XXXX {$410.00} Acct # XXXX 2.XXXX XXXXXXXX XXXX {$62.00} Acct XXXX XXXX 3.XXXX XXXX XXXX {$630.00} Acct XXXX XXXX 4. XXXX XXXX {$360.00} Acct # XXXX 5. XXXX {$1200.00} Acct # XXXX 6.XXXX XXXX XXXXXXXX {$2300.00} Acct # XXXX 7.XXXX XXXX XXXX {$350.00} Acct XXXX XXXX 8. XXXX XXXX XXXX {$870.00} Acct # XXXX 9. XXXX XXXX XXXX {$540.00} Acct # XXXX 10. XXXX XXXX XXXX {$11000.00} Acct # XXXX 11. XXXX XXXX XXXX {$60.00} Acct # XXXX XXXX2. XXXX XXXX {$1300.00} Account # 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 2020-09-29
Company: Experian Information Solutions Inc.
State: NY
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:
Third attempt complaining about unauthorized accounts and unauthorized injuries on my credit profile.

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 2015-03-27
Company: Focus Holding Company
State: DE
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:
THIS IS NOT A DUPLICATE. I submitted a complaint against Focus XXXX and XXXX XXXX. I moved into an apartment at XXXX XXXX XXXX on XXXX/XXXX/XXXX ( I have attached the lease validations from the residence management company ). XXXX submitted a collection to Focus showing the XXXX delinquency date as XXXX which was BEFORE I moved in. 

They have taken a previous resident 's bill and placed it on my credit bureau as a collection. XXXX said I needed to file a police report and file fraud affidavits. This is not fraud ... it is poor accounting and management. 

I filed a complaint against XXXX XXXX and CFPB told me I needed to file against Focus. I have attached my credit report showing the first delinquency of XXXX ... I have attached a letter from the property manager showing I moved in in XXXX.

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 2015-10-23
Company: Focus Holding Company
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivables keeps calling me and my wife. We owe nobody and I will not give Focus Receivable one dime, even if I did.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2015-05-11
Company: Focus Holding Company
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Management robo calls our house about XXXX-XXXX times every week for the past XXXX months. They call in the afternoon to XXXX at night. 

It does not say who they are trying to reach, but every time we pick up, it is a machine that says the same thing or leaves the same message on our answering machine. It says who they are, that someone owes a debt and to call them back. Obviously I know I do not owe any debt, nor am I going to call them back. I searched the number and see it is a scam. My number is even on the Do not call list. We keep track of our credit reports and pay everything on time. 

We do not even have our house number listed on any of our loans or creditors, so that is even more amusing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: URS Holding, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a letter from XXXX XXXX XXXX XXXX , XXXX dated XXXX/XXXX/16 attempting to collect a debt that is too old to be collected or be sued on.

Company response to consumer: Closed with explanation