BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All 3 credit bureaus are reporting inaccuran=cies in late payments all between XXXX XXXX and XXXX XX/XX/XXXX. All othe months are not correcty reporting informaiton. For example XX/XX/XXXX Transunion and XXXX says i am current but experian says im 30 days late.

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 2017-06-16
Company: Kriya Capital, LLC
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: Information belongs to someone else

Complaint:
While trying to apply for refinancing our home with my husband, we discovered there was an account that had a large debt : {$3000.00} w ith Credence Resource Management, w ith the account being opened  XX/XX/XXXX . I discovered it by signing up with  XXXX   XXXX .  XXXX  is the company reporting it. We called the debt collector to find out what the original charge was for. When verifying my name and la st 4 of my Social, he  repeated back to me an incorrect address. The address he had on file is in another state from the one I have resided in for the last 28 years. He stated that it was for  XXXX  in  XX/XX/XXXX  and the account closed about 1 year later. I have never applied for anything with  XXXX  or  XXXX   XXXX   XXXX . We told them we would try to resolve the matter ourselves and hung up. I attempted to obtain my one free annual credit report from  XXXX , so I actually had a solid report on file. I was unable to proceed as they were " Unable to Confirm Identity '' with the information I gave. Going through the initial process, some of the questions that were asked about my identity gave questionnaire selections for the out of state address in  XXXX , GA. I have not and do not live in  XXXX , GA. I would like to know how I can get this fictitious debt cleared off of my credit report and what steps I need to take if someone used my Social Security number. 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 2022-09-10
Company: SYNCHRONY FINANCIAL
State: CA
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: Received unwanted marketing or advertising

Complaint:
I have received too many inquiries in the last 3 months about credit applications under my name, which I haven't applied for. I have already filed a freeze with one of the credit reporting agencies.

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 2017-06-16
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
On  XX/XX/XXXX  I have contacted  GM Financial to ask th em to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that  a 7 yr c lock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over. GM is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Comerica
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Comerica Bank on  XXXX   XXXX  in  XXXX  Texas took my Identification and disposed of it without contacting me and when I called to fix problem, they sent me on a wild goose chase for a week. They would not accept my check for deposit after they disposed of identification and would never call me back to take care of issue. This is a very serious matter in which I want resolved. This is the worst experience ever with a financial institution I have ever had. I can not open another account without the identification. I 'm in limbo until then. I 'm beyond upset and feel they should be liable for all fees incurred when attaining a new ID IS as well and any pumitative damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I am writing this to say I noticed many incorrect and unauthorized items appeared in my report. I have tried time and time again to get your company to comply to my request. I am requesting that you delete all the following ACCOUNTS/BANKRUPTCY/INQUIRIES AND XXXX XXXX along with LATE PAYMENTS that are inaccurate and that were not approved to report to my report under my consent. These items also do not report the same on all 3 bureaus so they need to be deleted or I will seek monetary compensation of {$1000.00} per violation on my report. Please remove the negative items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Case Number : XXXX I am filing a complaint against XXXX XXXX XXXX. This company bought a debt that I had with XXXX XXXX in XX/XX/XXXX of XXXX. Later in XXXX I started receiving phone calls from XXXX XXXX in XXXX about this debt. The XXXX XXXX employees in XXXX asked me for my credit card number to pay the debt. I didn't want to give them my credit card number and wasn't convinced that this debt belonged to me. The default date of the last payment on this account was XX/XX/XXXX. In and around XXXX of XXXX. I began receiving calls from this Company MCM in XXXX, they would call me several times during the week and ask me if I would pay this debt, I ask them where I was calling, and they said XXXX. I replied where am I calling where again he said XXXX, I stopped to think about what he just said, and I said back XXXX, and you want me to give you my Credit Card I don't think so. This went on for several mouths and a couple of years. I told them No, send me a bill, they called me in or around XXXX of XXXX I told them my situation they said ok XXXX XXXX they asked me about my Law suit I said I could not talk about it, I'll know more in a year, I never heard back until I called them in XX/XX/XXXX, since then I have found them to be dishonest in my findings. I talk to Attorney XXXX XXXX on XX/XX/XXXX, I told him that statute of limitations has ran out. He said NO, on XX/XX/XXXX he said I made a payment and I said NO, I did NOT. This account has been closed for over 8 years or more. We checked our checking account, NO records found to XXXX in our checking account stating from XX/XX/XXXX. He made this up, so the status would be affective when earlier I mentioned the default date and last payment was made on XX/XX/XXXX. There is much more to be said about their Law practice, more can be given to you upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Self Lender Inc
State: FL
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 work with two companies why is my credit score only going up XXXX point, I am a client of Self Lender and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up XXXX point, that leaves me very concerned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: EQUIFAX, INC.
State: FL
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 work with two companies why is my credit score only going up on point, I am a client of XXXX XXXX and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up 1 point, that leaves me very concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Resurgent Capital Services L.P.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have finally managed to get LVNV Funding off my credit reports due to them reaging a time-barred debt, but when I applied for a mortgage loan I found out that they had a small claims court order against me made in 2016 that I had no idea about and never received notice of. In addition, when I sent a request for verification of the debt I never received any response and to this day have never received information about this debt other than the court documents I found out about through my mortgage loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Spring Oaks Capital, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act SPRING OAKS CAPITAL LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
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:
Violation of HIPPA Regulations I sent a debt validation letter to XXXX XXXX XXXX , XXXX, and the company has failed to validate my debt. Instead they sent me a list of medical procedures ( copy enclosed ) which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing XXXX XXXX XXXX , XXXX, to have access to this information, and no copy of such authorization bearing my signature has been provided to me because none exist. XXXX XXXX XXXX , XXXX, has violated my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2018 I was in an accident. I went to court over this accident, there were subpoenas and everything. The judge found me not guilty and not at fault because I wasnt. Due to Chekrs background report, I was refused a job with XXXX even after submitting online court documents to them proving my innocence. My license was also suspended simply over the fact I wasnt aware I needed to surrender a tag off of a vehicle I no longer owned. I returned the tag to the DMV,  paid the fee and my license was reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Experian Information Solutions Inc.
State: FL
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 work with two companies why is my credit score only going up XXXX point, I am a client of XXXX XXXX and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up XXXX point, that leaves me very concerned.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I contacted each of the consumer reporting bureaus XX/XX/22 letting them know that information on my file was inaccurate. I requested that those items and information be removed immediately because they violate rights given to me by FCRA. Those accounts and information remain. Also The XXXX XXXX is reporting information about my mortgage. I have never been late on my mortgage. XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX are also reporting accounts which are not mine.

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 2021-05-11
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I discovered on XX/XX/XXXX that my credit report had been updated with a 27 point drop due to Honda Financial Services removing themselves from my credit report ( also news to me ), as I have an open account in excellent standings with a balance that is paid on monthly. 
I called Honda Fin. Serv. on XX/XX/XXXX and was told that the trade line was removed from my credit due to new federal credit reporting guidelines. That I had 1 late payment in XXXX and utilized the option to defer 1 payment in XXXX, therefor resulting in the above actions to be taken. 
I was told for the remainder of my payments Honda will not be reporting to credit bureaus. 
I received no communication about this prior to it happening. I am upset that my future payments will not be part of my loans/payments that keep more credit score in excellent shape.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was paid way before this went to collections. They continue to harassing and threatening me. Reporting inaccurate information and damaging my credit. I am TIRED of them! 

XXXX and CCS are attempting to bully me into paying for something that is not owed to them. The harassment by the collection agency needs to stop, IMMEDIATELY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am a client of XXXX XXXX, where are my points. I make sure to pay my try my hardest to keep a close eye on my payments. My credit score has only gone up XXXX point with Trans Union. Can someone explain to me why I have two accounts XXXX XXXX and 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 2017-06-17
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: Information is missing that should be on the report

Complaint:
I am a client of  Capital 1, w here are my points. I make sure to pay my try my hardest to keep a close eye on my payments. My  credit score  has only gone up  XXXX  point with  XXXX   XXXX . Can someone explain to me why I have  XXXX  account s Capital 1 a nd   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: ID Analytics, Inc.
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: Public record information inaccurate

Complaint:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

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 2019-12-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello XXXX XXXX  has a innorrect remork on my credit I told them to remove it they said ok. But its still showing REPO. My car was never late and never a REPO. Please update. 

I never had a XXXX, XXXX or XXXX XXXX This isnt my XXXX XXXX Only one payment was made. I would never ruin my credit. 
XXXX isnt late or I dont owe remove from my credit XXXX? I dont have a XXXX account I live with my mom she has her own utlities. This is hurting me getting a mortgage please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30
Company: AMERICAN HONDA FINANCE CORP
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:
XXXX XXXX XXXX is reporting a late payment on m y credit report, that it is inaccurate and i was never late, please help me to remove this inaccuracy from my credit report i have uploaded the XXXX XXXX letter for which they have approved to remove this delinquency, but XXXX is not removing and does not cooperate, the other two bureaus have already removed except XXXX. 
thank you for your understanding

Company response to consumer: Closed with explanation