BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2019, I received a notice that my credit score with TransUnion had decreased by 65 points. I have not applied for credit or opened any new accounts. I've had problems with this CRA recently. A fraudulent account was opened in my name on XXXX XXXX. TransUnion failed to conduct a reasonable investigation. I disputed the account twice but TransUnion continued to report the account as a valid debt. TransUnion did not document the account as a disputed account. I filed an identity theft report on XX/XX/2019. The account was removed on XX/XX/2019. TransUnion increased my credit score twice after the account was removed. I'd like for my credit score to reflect the correct score, XXXX. Please see the attached documents.

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 2020-01-11
Company: ERC
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I received an alert from my credit reporting agencies that Enhanced Recovery Co L had reported a derogatory account on both XXXX  and XXXX. The debt was for XXXX XXXX XXXX in the amount of XXXX. I had not received any mail or calls from this company regarding the debt. I disputed the debt with both reporting agencies. The debt was deleted from both agencies XX/XX/XXXX. 

The debt was a mistake on the part of XXXX XXXX XXXX. We had discontinued our service and closed the account. XXXX had paid XXXX XXXX XXXX the remaining balance. XXXX XXXX XXXX had continued to charge us after the account was closed. We contacted them and they admitted to their mistake, and made it clear the account was settled and we didnt owe. 

On XX/XX/XXXX I received an alert again from both XXXX  and XXXX  that Enhanced Recovery Co XXXX had placed another derogatory mark on XXXX and XXXX, for the same XXXX XXXX XXXX debt that was deleted from the reporting agencies in XXXX of XXXX. Again, I never received any contact prior to the report to the credit agencies. On XX/XX/XXXX the derogatory mark was deleted again from both agencies. I spoke with XXXX  and they informed me that Enhanced Recovery Co XXXX reported the same debt, using a different account number after it was deleted the first time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Experian Information Solutions 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:
I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. 
( XXXX ) XXXX ( 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 2017-07-19
Company: Midwest Recovery Systems
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: Old information reappears or never goes away

Complaint:
Midwest Recovery Systems keeps renewing the debt. The last activity on the debt was in XXXX. At the time the debt should have cleared from my credit, Midwest Recovery renewed the debt and shows it as a new account that is in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from annualcreditreport.com, attached file Equifax 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: EQUIFAX, INC.
State: IN
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:
I have worked at the XXXX  XXXX XXXX for almost two years with more than 20 years of customer service experience. I can not believe that Equifax, giving the nature of its entity, has a huge amount of inconsistencies of information ( based on the slim you are able to even get any ) and you are in a forever loop of frustration as no one can help and no one can confirm anything even if you have numerous confirmation numbers, names/dates/pin numbers relevant to such, but one thing that is assured, every employee has the same robotic comment to my problem " they are so sorry, and would love to help me ... but. '' I'm a newly XXXX, single mother of XXXX and I'm about to loose the purchase of my first home for myself and my children due to Equifax and their sheer disregard for my dire need to address the issue as to why my score/credits, only for Equifax mind you, will not reflect on my report for my lender to access, only my debts are visible, yet after 3 weeks of battling who will help me, I finally was able to confirm a freeze had been lifted ( confirmation number in hand, and yes it still took 3 weeks before someone would verbally confirm it was actually removed ) but yet my score is still not visible, that being said I'm assuming only XXXX Equifax will only ever know as to why ( being a lender gets you no where either unless your paying for their services ) my information is not reporting. Now I have the painstaking task of telling my kids were not getting the house, as of yesterday its back on the market ( signed my first ammendment ) all because my information won't show up and no one will tell anyone why. Now I'm pretty sure even a fifteen year old can use common sense to question as to how ignorant that sounds. And yes, this will be the second house that has fallen through for us in the last year, first was negligence on my previous lenders intelligence. Thank you Equifax. Bravo. Happy New Year to you and yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NATIONAL CREDIT SYSTEMS IS REPORTING AS A COLLECTION ON ALL THREE OF MY CREDIT REPORTS. I HAVE SENT SEVERAL VALIDATION LETTERS TO THIS COMPANY AND ALL THREE OF THE CREDIT BUREAUS, THEY HAVE NOT RESPONDED, IT HAS BEEN MONTHS AND I HAVE NOT RECEIVED THE VALIDATION OF DEBT LETTER AS REQUESTED, I SENT CERTIFIED LETTERS TO KEEP TRACK OF THEM RECEIVING THE LETTERS,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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:
I filed a dispute on XX/XX/19 with the credit reporting agency TransUnion, because my XXXX XXXX  credit card account had no credit limit amount. That has been corrected because the dispute has been completed. The new problem is that the monthly reporting of historical payment history has been updated to show monthly reporting of unknown/not reported. This information is inaccurate and needs to be updated to show accurate historical payment history.

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 2020-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I sent verification letters to both the creditor and the collections company that they sold the debt to. Neither of them have verified the account to be mine. Both companies have not submitted a signed contract that legally binds me to the debt question. The collections company sent me statements of the account in question in response to my verification letter. I have copies of the letters and certified mail receipts that my requests has been received by their company. The last letter I sent I explained that I intended to file suit for non compliance. I never once denied paying them. I wanted to show me proof that the debt is in fact mine for exchange of financial obligation. This is unlawful and falls under Consumer Protection afforded by the FDCPA under FDCPA Section 809 ( b ), XXXX opinion letter Cass from XXXX. I will file suite in my XXXX to make sure that this does not happen to others.. 

Creditor : Capital one Collection Company : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Avant Credit Corporation
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX has inaccurate info on my credit report from Avant Credit and has not removed it, my dispute was initially file XX/XX/2016. I had permission from Avant to miss one payment, then I had to re-sign a repayment agreement with them ( which they added {$1000.00} to the loan ) and it was supposed to remove any negative info. XXXX has corrected the info, XXXX has not and after being on hold with them twice for a total of 30 minutes today waiting to talk to a stat side supervisor ( which never happened ) I am filing a complaint. They show XXXX missed payments with a credit score of XXXX, XXXX score XXXX. I have already missed out on a job opportunity because of this and pay higher car insurance premiums. This needs to bbe corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was 2 payments behind going on the third payment behind and just today XX/XX/XXXX early in the morning around XXXX XXXX  the bank of bmo sent the dealership repo told truck to get the vehicle and left and took it. I have previously contact them in XXXX and a few month back before XXXX of 2019 and the representative are very rude and very hard and they dont seem to understand customers financial hardship situations and I talk and have a conversation with an agent they get very aggressive and as much as u explain them what is going on they are very rude and they dont want to listen to you all they talk about is money rather than giving me the opportunity to talk and see my options to reduce my payment or get enrolled in to a payment plan or arrangement dude to my financial hardship situation. My income has been reduce and I am the only one working in my home at the moment but you know that XXXX and the winter time the jobs always slows down a lot and its out of my control I explained the representative and agent but it is useless they ignore u and all they want is money rather than listening to customer needs when you go to the dealership for The first time they convince people to buy but when you are struggling to make payments they turn they back and just give u the run around it is not the first time asking them for help and they refuse to do so. 
I have XXXX girls that me and Them Depend on the car and now that its snowing I need the car to take them to school and For me to get to work without the truck I cant take my daughters to school and I cant get to work ontime. Or drive to work as thery repo my car this morning it is not fair that they denied me any type of help payment arrangement any financial help to help me get caught or reduce my payments, It was useless the more I would say to them the more they would act XXXX and Laught at me thru the phone. Some of My kids are going to XXXX and need the truck to transport and the school Is a bit far and I have a XXXX XXXX XXXX who I also take to school and Drop Her off the Bank bmo didnt care at all.

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 2019-11-24
Company: NPAS, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 XXXX went to XXXX XXXX for XXXX XXXX. We paid the bill using our XXXX on XX/XX/2019 which combined the payment with another charge from XXXX XXXX that occurred on that same day. Attached is proof that XXXX XXXX cashed the check. In XXXX we received a statement from NPAS stating we still had the full amount unpaid. We called them and said it was paid and sent them the attachment showing the check was cashed by XXXX XXXX. They then said it would go back to a special department that handles these situations. We called that special department and they said the payment was used in the wrong account and they would refund the check and then we could resubmit. We never got a check from them. We called them and they said they would escalate and see what went wrong and give us a call. They never called. We called them after a few weeks and they said they would try again and that it would take 30 days. After thirty days we called them back and they gave us a run around and basically nothing had happened and they needed another 30 days. After another 30 days we called and nothing had happened and they were going to escalate, call us back, yet they did nothing. We now have received another bill from NPAS sating we have to pay the entire amount in full. They took our money and didn't apply it to our account. They won't give it back, and now are charging us again. That amounts to them stealing our money, threatening to ruin our credit history by sending us to collections if we don't pay twice.

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 2022-10-03
Company: EQUIFAX, INC.
State: TX
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 Disappointing! I have been disputing with the Credit reporting Agencies for the removal of the Fraudulent accounts and information that are still reporting on my Credit File despite the multiple dispute letters and CFPB complaints I have been sending to the Credit Reporting Agencies. Five ( 5 ) months have passed and it seems like the Credit Reporting Agencies have been doing nothing! I have consulted my legal counsel and they are willing to help me file a federal case against the Credit reporting agencies for their willful negligence and incompetence with my Credit File. I have been informing the Credit Reporting Agencies that I have been a victim of identity theft and that the disputed items were the result of such crimes therefore I never have a legally binding contract with the disputed items. However, the Credit Reporting Agencies have claimed that the disputed items belong to me and that the Data furnishers verified the accuracy of the disputed items but I never received anything in response or any proof of verification or proof of ownership. Under the Fair Credit Reporting Act, I am requesting that the Credit reporting Agencies remove the following items completely from my Credit file before my legal aide finished their deliberation. I need the following items removed : 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 Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} x XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX AN # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was approved for three separate loans from this company to finance the dentist   charges and All three debts Are Paid off In Full** This company makes monies by charging fees and or interests rates on loans Not Paid on their due Dates which I was and am Fully aware -so as not to incur any additional charges I inquired several times ( contacting this company ) of the third and last loan in Order to pay either on time Or in advance : I was told which dates to pay and complied ( BY PAYING ON THE DATES OF LOAN APPROVAL ) Also this company allows either 18 mos. to pay off Loans or One Yr. -I chose the One year plan in order to complete this transaction ASAP** Well after the loan was paid off ( 1-Year later ) I got charged late fees.. I contacted the company right away inquiring WHY? and was told it was due to late payments which I never received notices beforehand of such ridiculous tactics especially after paying All Three loans off in due season*** I could have easily re-adjusted the dates had I known or was warned beforehand** Each time of my complaint I was told they would forward my issue/complaint to the Sub-committe//Examining board for Review but each time NO feedback after 30 days explaining the unfortunate error* HOWEVER I Still received mailing of increased Amounts due***<><>< I will enclose messages of the conversation and summaries of the results each time Ive spoked with the Supervisor ( XXXX   ) and Representative ( XXXX ) including Dates************************** ******************************** I TT W ITH A SUPV ( XX/XX/2019 ' ) NAMED XXXX  WITH SYNCHRONCY BANK ABOUT LATE/INTEREST FEES THAT'S NOT DUE ON MY ACCT. @ THE BANK KEPT CHANGING DUE DATES WHICH I SUPPER IMPOSED IN ORDER NOT TO HAVE A LATE FEE FOR A YEAR. AND IN FACT I ACTUALLY PAID THE AMT DUE IN A YEAR VS. 18MO 'S OF THEIR INTEREEST FREE CARE CREDIT -I PD. THE AMT IN A YEAR. VS. 18MOS -THEREFORE THIS GOT TRF TO A COMPLAINT COMMITTEE-SHE SAID IT COULD TAKE UP TO A YEAR. *** I'M NOT TO BE C HARGED INT. ON THE SUPPOSEDLY BAL WHILE IN THE COMPLAINT COMMITTEE. -- WHAT'S THE RESULT**MY FIRST REP I TT WITH WAS XXXX WHO ASKED IF F I PAID {$84.00} HOW WOULD THAT SATIFY ME* XXXX SAID IF I PAID {$59.00} IT WOULD BRING IT DOWN TO {$180.00} AND SHE WOULD CANCELL THE DIFFERENCE FROM {$240.00} TO $ XXXX CALLED AND SPOKE WITH XXXX @ CARE CREDIT XX/XX/2019 ' THURS * @ XXXX AND SHE STATED SHE WOULD REFILE THE COMPLAINT AND THE PHONE DROPPED* SHE SAID SHE UNDERSTAND THECOMPLAINT TO BE '' I DON'T OWE A BAL. SINCE ALL HAS BEEN 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