BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the dates, account ( s ) and account number ( s ) .This request has been denied and I would like these inaccurate information to be removed. 



IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN TRANSUNION AND XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX  XXXX XXXX  IN TRANSUNION AND XXXX ONLY XXXX I would also like these inaccurate information to be updated . 



IN TRANSUNION XXXX AND 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 XXXXN TRANSUNION AND XXXX XXXX XXXX XXXX XXXX NC XXXX IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY 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 2017-06-07
Company: Experian Information Solutions 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:
Experian sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. Experian representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately.  (    XXXX   XXXX   and   XXXX   XXXX   XXXX    ) If experian just monitored the information reported, they would clearly see that the dates   reported have changed. This is  Fraud.

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 2017-04-24
Company: Ocwen 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:
In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by Ocwen. As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the  XXXX  months for forbearance are now being reported as 90 days late. This has tremendously brought down my  XXXX   XXXX . I spoke with the Ombudsman from  Ocwen  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  Ocwen  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from   XXXX   XXXX   and the undue stress of their practices is wearing on me. I think Ocwen needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Northland Group Inc
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection company named  Northland Group Inc.  continuously sending me letters during the past  2-3  years asking me to make a payment of {$660.00} they claimed that I owe  XXXX . I have never applied a credit card, or never did I purchase anything that did n't pay at first place in  XXXX , so I do n't know where does this {$660.00} come from. What 's even more suspicious is that they asked me for my SSN, and because I was n't aware of how unsafe it can be, I exposed my SSN to them. I have absolutely no idea on how to handle this at the moment, so I am looking for your help. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have a payment arrangement with Santander and they continue to charge fees making it impossible to pay off I have no access to statements just transaction history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have disputed the name variations on my report with Experian well over 3 times already with them. They have yet to remove the 2 that I demanding be removed due to data breaches I'm involved in and identity theft. The ONLY name that should be on my report is XXXX XXXX XXXX. The XXXX XXXX and the XXXX XXXX XXXX need removed immediately. I just logged onto my report with them online and it still is not fixed. I will be attaching the letter I mailed them ( certified as well ) back in MAY demanding this be fixed and they still are not adhering to my demands. According to FCRA it is now over 30 days since I've requested this so now they are in violation. If this continues to be an issue I will get legal counsel and sue.

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 2021-06-14
Company: WELLS FARGO & COMPANY
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:
I was Banking with Wells Fargo and I pay The company they told me it would be off in 30 days but it still on my credit

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 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I stayed in XXXX XXXX XXXX. Upon checking into the first room we noticed there were Hairs on the floor and the tub did not work. My XXXX  went down to the front desk and they offered to move us. We moved the next day as the new room was not ready until XXXX ( XX/XX/2021 ). Upon checking into that room we walked in the the cabinet door was falling off we were traveling with our XXXX yrs XXXX so it was a big safety concern. We contacted once again the front desk and they stated they would send someone up ASAP, that never happened. The engineer stated on the phone it was a cabinet guy issue and he was got for the day then the engineer stated is not his job, this was on the phone only they never came to the room. Later the night I attempted to take a bath and the tub was backing up into the shower. I called and they once again said they would send someone to fix it, that never happened the whole time we were in that new room you could not use the hot tub. Upon check out the front desk XXXX stated we would not be charged for the room. We arrived home in XXXX and noticed they in fact charged my credit card which I never signed nor authorized was charged. The room was always under my XXXX XXXX name. I gave them my card to move to the new room just for a hold not to charge me, I also questioned it upon check out and was told it would drop off, it did drop off and I locked my Capital One card but Capital one still allowed a charge to post a few days later. I contacted Capital one immediately and disputed the charge. They received a rebuttal from XXXX showing the invoice which does not have my signature on it. Capitol One required I supply several documents which I did and still will not refund my money. I have spoken to several supervisors at Capital One the last one I spoke to was Operator XXXX who stated to contact XXXX and deal with them. I have attempted on several occasions to rectify this issue with XXXX and Capital One with no success. I am requesting this be investigated and a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: ENCORE CAPITAL GROUP INC.
State: ME
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:
earlier this year I was impacted by COVID. I paid and settled one account with Midland credit, and told them the maximum amount I could pay to settle the other was between {$200.00} and {$300.00}, the entire amount in my savings account at the time, as I had just received what was my final paycheck from the job I was let go from due to COVID. I was told they simply could not do that on the phone and online when I inquired, and that there were no other options for me. I can not afford the entire balance on any of their " convenient payment plans. '' Since then, they have threatened a lawsuit, serving papers, etc. I find these threats both inappropriate and poor business practice since I chose first to reach out to this business and settle with them, and have settled another account with them. As I know collectors purchase debt for pennies on the dollar, I know they CAN help me, and are choosing to threaten me instead, which is an unfair tactic, and also harassment. I receive calls multiple times a day, all hours of the day, which impacts my work, as I am finishing a XXXX degree, entirely on a scholarship I wrote for, because I couldn't afford school, so I won't be IN these situations. Further, legal action could jeopardize my licensure, which is intentional, since I told this to the representative on the phone, as I was desperately begging to settle and make good on the debt as best I can given my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: Experian Information Solutions Inc.
State: KY
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:
There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  two letters, one fax, an d called once and nothing has been changed.     The only address that should appear :   XXXX   XXXX   XXXX   XXXX  , Ky  XXXX  The only Employer that should be listed is :   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 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: VA
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:
Experian will not correct or update wrong information regardless of documents attached to dispute services. I am in a payment agreement with the department of education and I have provided proof of agreement, proof of on time payment status and proof that the last 16 late payment on my credit report are in error however they will not make any changes. I continue to dispute their claims However all the say is, The result of their information is that the information reported is true regardless of documents from department of education I uploaded.

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 2021-12-10
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to Portfolio Recovery Associates, LLC with a final letter by certified mail ( cert # ending XXXX XXXX on XX/XX/XXXX2019,  requesting proof of an expressed agreement between me and the creditor or the collection agency, any insurance claims or judgments. Portfolio has not responded to my XX/XX/XXXX certified letter but instead bypass communicating with me, to communicate with the credit agencies to publish the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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: Information belongs to someone else

Complaint:
I was denied credit and after reviewing my my report I found accounts and inquiries that were not mine causing my credit score to be low. These items have cause a derogatory credit rating on my credit report. I have file a police report and an identity theft report.

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 2021-06-14
Company: Monarch Recovery Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I called XXXX saying I owed money XXXX. But I told them I didnt because it was a bank error they did from their computer system. The bank said yes its a mistake they made and it was a bank system error. So I didnt owe the money to them anymore after they told me that day.Now later a debt collector company monarch is saying I owe this money to XXXX still XXXX when I know I didnt owe that anymore because XXXX XXXX told me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate XXXX has already removed this account due to error

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 2021-12-10
Company: EQUIFAX, INC.
State: CA
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:
Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the dates, account ( XXXX ) and account number ( XXXX ) .This request has been denied and I would like these inaccurate information to be removed. 



IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX AND XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IN EQUIFAX ONLY XXXX XXXX XXXXXXXX XXXX IN XXXX AND EQUIFAX ONLY XXXX I would also like these inaccuraXXXX information to be updated XXXX 



IN XXXX XXXX AND EQUIFAX 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 XXXX XXXX XXXXXXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX ONLY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My Transunion report shows XXXX XXXX is not reporting every month from the beginning of ALL my timely car payments. 

XXXX XXXX ( a finance co. ) refuses to give me my amortization schedule for my paid in full loan here. I am entitled to have it -I am a consumer.

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 2020-04-22
Company: Experian Information Solutions Inc.
State: NY
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 recently received a letter from Experian explaining that they do not feel the need to perform investigations for information if out of my credit report. today I am attaching more information as spending more money to get this information to them so that they can remove the accounts that are reporting and accurately as per law. I have already consulted an attorney to see if these violations can be brought up in court because I have been working on these issues since last year and I am frustrated. I need these accounts deleted as they are reporting inconsistent and inaccurate information here is the proof of it and I don't think it's fair that Experian, XXXX, and XXXX get to block me from exercising my rights. 

Under 1681 I of the Fcra law it states that inaccurate information must be removed from the credit report within 30 days these companies have taken longer than 30 days to perform the investigation and remove the incorrect information. under this section of the law both the company reporting the misinformation and the bureau reporting this information will be liable in the court of law and which I intend to bring suit if these accounts are not removed under these grounds I have included the letter that Experian wrote to me saying they are not going to perform the investigation and I have included the attachments of a recent credit report that I pulled showing the inconsistent and inaccurate 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 explanation
Consumer complaint received 2020-05-02
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:
Disputed Unauthorized accounts on my credit reports and the investigation still did not fix the errors in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a dispute ( note the below Complaint ID below ) 3 weeks ago regarding XXXX XXXX XXXX and XXXX that said I owed over XXXX for a card that I never applied for nor used. They said the XXXX was due to origination fees and late fee 's. Your company helped me resolve their errant reporting. But they also sold the debt to a debt collection company ( NCA that is Reporting still ). This is linked to the above account and should be removed as well. Please see their information. 



Original Complaint Filed COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Getting a credit card Please see the company ( Debt Collection Company Below hired by XXXX XXXX ) NCA Last reported XX/XX/XXXX {$430.00} Open balance XXXX XXXX XXXX XXXX AND XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXXXXXX XXXX  AND XXXXXXXX XXXX Report info

Company response to consumer: Closed with explanation