BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was trying to make a financial purchase only to be told that there were several collections from XXXX XXXX reporting on my credit file. I disputed the accounts directly with all three reporting agencies and XXXX and XXXX did investigate and they deleted the false accounts. Equifax however has not. There is no possible way that Equifax did a proper validation because I personally called XXXX XXXX and they confirmed that the accounts were not mine by using my social security number. The issue is on Equifax. They did not contact them and use my social security number or any other identifying information other than my name which is a common name. I had to apply for a new auto loan and the interest rate is high because they believe I am a high risk due to misreporting by Equifax. I have been trying to get this resolved for over a year. This is unacceptable and I want this XXXX resolved and removed NOW. I should not have to pay high cost interest rates because someone is NOT doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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   2017 ,  XXXX  formally  XXXX   XXXX  reported incorrect information to all   XXXX   credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
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: Investigation took more than 30 days

Complaint:
XXXX XXXX was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. XXXX accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against XXXX XXXX and received a settlement check. However I want XXXX to remove the negative information they say I owed from all three major credit companies. Equifax, XXXX and XXXX. I have hired a law firm to help remove the XXXX negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. XXXX accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against XXXX XXXX and received a settlement check. However I want XXXX to remove the negative information they say I owed from all three major credit companies. XXXX, XXXX and Transunion. I have hired a law firm to help remove the XXXX negative information.

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 2016-07-14
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a settled account with XXXX XXXX on my Equifax file. Instead of showing the balance as zero after settlement, they left a balance of {$150.00} on the XXXX XXXX trade line. I provided a copy of the settlement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Mercedes Benz Financial Services
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
1. Note all Complaint ID Numbers and Dates XX/XX/XXXX Complaint ID XXXX XX/XX/XXXX Complaint ID XXXX XX/XX/XXXX Complaint ID XXXX All With CFPB and still you yet seen not to see the fraud in hand. 
1. Date of One " Retail installment Sale Contract Form ( XXXX XX/XX/XXXX ) '' With Billing Error All Different Dates One Agreement One Day Of Sale Notice Correct Date Footer as well as Time. Clear Individual Act. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all paperwork submitted here to CFPB as well as Mercedes-Benz 2 . Debt Validation and or Debt Verification Request Letter and More sent to Mercedes-Benz in XXXX of XXXX When I, Living Man, the Consumer Took Notice of The 15 USC 1692e False or misleading representations. 15 USC 1692j Furnishing Certain Deceptive Forms, ( Correcting of Billing Errors ) 15 USC 1666, Youve Failed all Three Times to Address Situation CFPB 3. Power of Attorney Paperwork Fraud Not I, The Living Man, Signature, Youve Failed all Three Times to Address Situation CFPB ( Paid for Proof From The State of Pennsylvania DMV ) Not sent or on record anywhere for consumer to see except DMV and Consumer has to pay for Information 4. False Signature on Title Fraud ( Not even Consumers Name ) Youve Failed all Three Times to Address Situation CFPB ( Paid for Proof From The State of Pennsylvania DMV ) Not sent or on record anywhere for consumer to see except DMV and Consumer has to pay for Information 5. Proof of payment and Mercedes-Benz not accepting payment, Letter sent by Mercedes-Benz 6 . Paperwork Properly Submitted XX/XX/XXXX Up Until Todays Date all Ignored By Mercedes-Benz as well as CFPB Clear Open & Shut Case for Violation Of Consumers Rights All in Which was not Addressed Point for Point by Mercedes-Benz as we as CFPB Note : I'd like to request AGENT of all three case numbers as well as new one submitted, I, the consumer, as well as, the Living man, would like to request full investigation of all said complaint numbers of all said AGENTS. Note : CFPB AGENTS has Failed all Three Time With State Proof Here on This Platform to address the Individual Acts that has been committed, as well as Merceds Benz Sending Proof of Fraud Here on This Platform as well and CFPB has Failed to address the Individual Acts that has been committed. 

Date XXXX XXXX, XXXX XXXX Sending Proof of Fraud when in fact, They have Stolen Land Vessel Before Addressing Consumers Proper Paperwork Sent to Mercedes-Benz Back in XXXX of XXXX. 
Note : Needs to be escalated Due to Multiple Submissions of Same Proof The CFPB is to Address This Matter in Good Faith

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : I've been trying to fix an issue with XXXX, XXXX, and XXXX about Midland Credit Management. They all have been using stall tactics. They simply ignore and do not reply to my request. Please help me fix the matter. 

Thank you. 


Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with a representative from the following compan y : Portfolio Recovery Associates (  collection Agency )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  In regards to partial acct #  XXXX  ( original creditor   XXXX    XXXX  ) In regards to a negative account on my credit. The representative told me he would make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on  XXXX   XXXX   2017 . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of  XXXX  and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap.     Thank you,  XXXX   XXXX -Social ends in  XXXX  Mailing address :  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , UT  XXXX  Physical address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , ut  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I was looking at my updated credit report and noticed that there is an error that need to be resolved immediately! I feel like I am being taken advantage of. XXXX XXXX XXXX is reporting that I am 30 days late causing my credit score to drop. It is Defamation of Character and is something that I take very serious. I never made a late payment on this account and was a very good customer paying this loan off. I have tried to resolve this issue and I am not getting the help or response I need. My consumer rights are being violated and I will not allow this to happen. I did some studying on my rights granted by Congress and learned that this is a Billing Error. According to 15 U.S.Code 1666 ( b ) ( 2 ) - Billing errors caused by not providing documentary evidence as defined as 15 U.S.Code 44. Pursuant to 15 U.S.Code 44 documentary evidence include all documents, papers, correspondence, books of account, and financial and cooperate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require the clarification in order to address the billing error for the alleged debt. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open on this account as described in IRS Publication 583. The Credit Reporting Agencies are in violation of my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. It is against the law to furnish information without my consent. Reporting this account as being paid late is causing me a great deal of harm. I will seek remedy if my issue is not resolved immediately.

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 2015-06-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In XXXX we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: KY
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:
I was looking at my updated credit report and noticed that there is an error that need to be resolved immediately! I feel like I am being taken advantage of. XXXX XXXX XXXX is reporting that I am 30 days late causing my credit score to drop. It is Defamation of Character and is something that I take very serious. I never made a late payment on this account and was a very good customer paying this loan off. I have tried to resolve this issue and I am not getting the help or response I need. My consumer rights are being violated and I will not allow this to happen. I did some studying on my rights granted by Congress and learned that this is a Billing Error. According to 15 U.S.Code 1666 ( b ) ( 2 ) - Billing errors caused by not providing documentary evidence as defined as 15 U.S.Code 44. Pursuant to 15 U.S.Code 44 documentary evidence include all documents, papers, correspondence, books of account, and financial and cooperate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require the clarification in order to address the billing error for the alleged debt. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open on this account as described in IRS Publication 583. The Credit Reporting Agencies are in violation of my consumer rights according to the Fair Credit Reporting Act. 15 U.S.Code 1681 ( 1 ) ( 2 ) - CRA 's need written instruction to make a consumer report by the consumer. It is a fact that I the " consumer '' never gave the credit reporting agency any written permission to furnish a consumer report. Without my written consent the consumer reporting agency is committing fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition identity theft is being committed. 15 U.S.Code 1681-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I the " consumer '' disputed the fraudulent accounts on my credit report and I have made it clear that this information is is inaccurate.The credit reporting agency proceeds to furnish this information without any lawful authority and is violating my consumer rights granted by the constitution. It is against the law to furnish information without my consent. Reporting this account as being paid late is causing me a great deal of harm. I will seek remedy if my issue is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) 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 2016-10-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield and Associates has place a " paid '' collection on my XXXX and XXXX credit file AFTER it was paid in full. I sent them a certified letter asking them to remove it and they only sent back a letter saying it was paid in full. This letter is not sufficient for the credit bureaus to remove from my file. Wakefield and Associates placed the collection on my report and therefore, they need to request to have it removed. Per copies of my credit file, the collection from removed and placed back on my credit file without me being notified at least 5 days before. I have already filed a claim against the credit bureau for breaking the law.FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-01-31
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation