BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-07
Company: General Motors Financial Company, Inc.
State: MS
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:
XXXX and GM Financial are is reporting " NR '' -No Rating for the payment history of XX/XX/2018 ( XX/XX/XXXX. ; XX/XX/XXXX. ; and XX/XX/XXXX ). My account was paid in full and on time each of these months. The failure to accurately report my POSITIVE payment history is negatively effecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: MS
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 disputed the late payments on XXXX XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  & Experian are still reporting inaccurate information by XXXX XXXXXXXX XXXX. They are reporting a balance and updating monthly on an account that has been paid some time ago. I have disputed it with the bureaus and they claim it is valid even though XXXX  XXXX XXXX says it is XXXX and they are not the ones reporting wrong. They claim it is the bureaus who need to remove it.

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 2022-07-13
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these files. 

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 XXXXXXXX

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 2017-09-08
Company: EQUIFAX, INC.
State: DE
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:
Equifax big security breach on XXXX/XXXX/XXXX. I was informed that I was affected by it. I checked XXXX/XXXX/XXXX on equifaxsecurity2017.com and it said my information was compromised. I will be freezing my files with all 3 credit bureaus shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
I was a victim of the data breach that occurred with Equifax, where my personally identifiable information was illegally accessed. I became aware of this upon the news of the massive data breach in the media on XXXX XXXX, 2017, and I confirmed via Equifax that my information was likely compromised. I have since placed credit freezes through all three bureaus but expect better accountability and oversight to be placed going forward, and that Equifax is held to account for this incredibly irresponsible and reckless action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My information was compromised in early XXXX 2017 by Equifax. My information is now public and I do n't know who has access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Transunion, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXX XXXX. 

I've never missed a payment ever since opening the account, and my payment history reflects my good standing and faithfulness. I previously tried correcting this mistake, and as a consumer, I trusted you to fix the information. 

Please note that I have opted out in writing to your forced arbitration terms and seek legal relief if this is not resolved appropriately. 

I demand you provide legal validation, but please remove the late payments from my account. Since I know you can not legally validate these late payments, please remove the late payments from my account / update them to current. 

Sincerely, 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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XXXX XXXX XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00}, XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$4100.00}.

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 2019-10-17
Company: Experian Information Solutions Inc.
State: NJ
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:
The payment history on my credit report is inaccurate. I have a lower balance than what is consistently being reported and this has continuously lowered my credit scores. I want the CRA to thoroughly investigate my balances and late payment record and make deletions.l have attached a record of lower balance for the last three months than what is being reported.

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 2019-10-17
Company: EQUIFAX, INC.
State: NJ
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:
The payment history on my credit report is inaccurate. I have a lower balance than what is consistently being reported and this has continuously lowered my credit scores. I want the CRA to thoroughly investigate my balances and late payment record and make deletions.l have attached a record of lower balance for the last three months than what is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The payment history on my credit report is inaccurate. I have a lower balance than what is consistently being reported and this has continuously lowered my credit scores. I want the CRA to thoroughly investigate my balances and late payment record and make deletions.l have attached a record of lower balance for the last three months than what is being reported.

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 2020-07-31
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
I have made multiple attempts to obtain copies of the original loan documents from Santander Consumer with no success. Santander 's phone system will not allow me to speak with a representative. I have searchd their website to find a number for their Executive Services office unsuccessfully as well. Santander is reporting fraulent loan information to my credit file. I am requesting copies of the loan documents to view the signature on the loan that they are referencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As far back as XX/XX/2018, and around XX/XX/2018 and sometime after, I spoke to an " XXXX '' and " XXXX '' from XXXX XXXX who told me if I paid the {$940.00} debt in full I would receive ( 1 ) a paid in full letter and ( 2 ) the two derogatory accounts would be deleted from my credit report. 
( see attachment ) of both XXXX XXXX XXXX  and XXXX XXXX XXXX  are is still reporting to the credit bureaus. This debit has been paid and I was expecting it to be removed from my credit report. I have been unable to rent an apartment and I have been turned down for several jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XX/XX/XXXX Equifax leak of information. Was named as potential target.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: EQUIFAX, 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 received a letter in the mail ( XX/XX/XXXX or XXXX 2019 ) from Equifax information Serivce LLC they werent going to look into three different accounts this is after I submitting my complaint to the CFPB on XX/XX/2019. I Certified mailed A dispute to Equifax personally back on XX/XX/2019 which was totally two separate disputes. One dispute was personal one on one directly with the company ( EQUIFAX ). Other dispute was to CFPB ABOUT equifax. WHY? wont you reinvestigate the items on my first dispute andbor the dispute sent to cfpb? They havent provided me with the information I requested. I asked for the break down on who they were contacting ( creditors/name etc.. ) which they arent providing I asked for how they were contacting them ( phone, mail, fax, email did they walk to the business and get the information? ... ) which they havent provided I have asked them to provide the proof from whoever their contacting and there stating that the information is verified I want copys of the information your obtaining since you keep telling me ALL this information is VERIFIED these are separate complaints which require separate investigations ; you will not deny me my rights or I will be forced to take legal action. XXXX XXXX is not a source. They are not creditors. that are reporting this verified information shouldnt be coming from them. These companies are paying you to report on people and your using XXXX XXXX to verify someone elses report on me this isnt making sense. I have sent XXXX XXXX XXXX a validation letter ( XXXX XXXX ) ( they signed for it on XX/XX/2019 ) no response back yet. XXXX XXXX XXXX sent them a validation letter ( XXXX XXXX, CA address ) the mail was forward back to me. Tried their ( XXXX XXXX, CA add ) they replied back with a bill ) so what creditor are you actually verifying these accounts with???? Your using the XXXX XXXX system and your not legally investigating my complaints. This XXXX XXXX XXXX ( XXXX ) account tried to send the validation letter they sent it back too. I did more to investigate than the actual credit bureaus. DELETE THIS STUFF OFF MY CREDIT REPORT immediately. Youre not to deny me an ACCURATE investigation for each separate complaint if the investigation was done right when I sent it directly to you I wouldnt have to file a complaint to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2016 XXXX I have more than 3 months getting in touch with this company i send an affidavit with all the documents i was ask to send i have called and they told me that they did not recieve any document when i send everything this company asked me to sen by email i got an email asking for my las 4 digit of my social that is my evidence i have send letters to there office certified mail and i am still having problem with this company i called ask for a supervisor and i was told that i was going to get a call back no one has call me this is a balance that i do not know where it is coming from i send police report everything i have done step by step and nothing i don't get a letter a call nothing i need this company to please get in touch with me cause i have bot take nothing with this company that is showing in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I started the process of buying a home for my family that includes myself, my wife & our XXXX XXXX XXXX XXXX. Both my wife & myself are actively in the XXXX, stationed in XXXX XXXX TX. Right after we started this process I was XXXX, my wife was given a Power of Attorney to complete the process. On XX/XX/XXXX my loan officer asked me to prove I was not 30 days late XX/XX/XXXX on my Capital One # XXXX account because that's what's being reported on my credit through XXXX, XXXX & XXXXXXXX. Capital One sent my payment history from XX/XX/XXXX through present that proved I was never late. I opened a dispute because after speaking to their customer service, this is their process of correcting their error. I attached Capital One 's proof they sent me to my dispute. I called back a couple days later to find the dispute was closed because I had provided no proof of my claim. I duplicated this same process 3 times. Every time either myself or my wife calls Capital One, we are given different excuses why we are wrong & they are reporting correctly. Even though Capital One sent us proof of my payment history. This has been going on since XX/XX/XXXX until now. This company is clearly in violation my consumer rights for Fair Credit Reporting Act & blatantly discriminating against the color of our skin. This is preventing us from being approved for our purchase financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the bank again, for the 5th time and asked for their fraud department. After 2 hours of transfers and over seas representatives who argued with me, I got a manager at the US call center that handles issues like this. 

Her name is XXXX at XXXX, dept XXXX, ext XXXX I sent her a copy of the letters from Capital One addressing the removal of the item that is not mine off of XXXX who has continued to re-report the item and keep it in dispute way beyond the FCRA 605B rules. 

The first letter was sent to me last XXXX by the executive offices in Virginia and I will enclose a copy of that too. 

She promised to fax me back a letter of removal confirmation and to make sure this time it is expedited. No reply yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Receivables Performance Management, LLC
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RCVL PER   MNG  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RCVL PER MNG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-08-19
Company: SYNCHRONY FINANCIAL
State: NE
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:
Amazon store credit card account opened in my name and used to ship items to address XXXX XXXX XXXX XXXX NE from the information I have been able to gather. I owned my own house and was paying a mortgage at XXXX XXXX XXXX XXXX XXXX ne XXXX when this account was opened and used to buy girls clothes, a vacuum and other misc items I would have had zero use for. My XXXX email account was breached and hacked in 2016 as well as XXXX. I have sent letters and identity theft report documents. I learned that I was a victim of identity theft just here recently by the IRS and Ive been trying to dispute this for years not knowing my rights under FCRA and now they will not remove the inaccurate reporting and negative information about me after receiving information that this account is not a result of me receiving goods or opening this account. Is it possible to get the IP address of where this was opened from? Its not from my house which would further validate this.

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