BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: AL
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 natural person, I am a living human being. I have rights under 15 USC 1681 This company continues to violate my rights I keep disputing this with proof so how are they doing a fair investigation but ignoring the proof. I was effected by the recent scandal with them giving the wrong score! Experian is governed by 15 USC 1681 I demand the account to be removed! On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy. According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate. I have a right to privacy and did give Experian written permission to furnish this account. If they verified it they never sent me proof like i asked.

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 2019-11-29
Company: PNC Bank N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019, XX/XX/2019 and XX/XX/2019 PNC Bank run a credit check more than once after issuing me a secured credit card. I followed through promptly with the bank but nobody issued me a solution or try fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I answered the Debt Collectors in writing and asked for proof of the debt, i.e. signed contract, etc. They replied with another letter stating I still owed the debt, but they were willing to work with me if I started making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I returned from an overseas cruise to XXXX XXXX XXXX Florida, upon my arrival I rented a car and drove to XXXX Florida which is a three hour drive, once in XXXX I stopped a the XXXX XXXX ( XXXX ) and shipped 5 items to my XXXX, Maryland address this charge is clearly stated on my cards statement. On the same day minutes later someone at a XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. Removed {$82.00}, 6 times in a row I was also charged {$2.00} 6 times at the time of this Theft I was attempting a purchase at XXXX restaurant which was declined even though I had an additional {$300.00}. XXXX in my account upon this problem I call XXXX and was disrespected by numerous customer reps. suddenly my account was closed and it was said i did something wrong but no one could tell me what it was. 
Finally on XX/XX/XXXX XXXX claimed to be sending the remaining {$300.00} in my account to date I have not received my money nor has XXXX attempted to fix this obvious problem and return my {$810.00}. I can not be in Florida and California at the same time. 
also my card had been replaced 4 times without my request an all XXXX did was say it was a security issue with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I received a phone call from a company titled Collection Bureau of Hudson Valley , IncXXXX She collection agent, a female, informed me she was with a collection agency, and I owed a debt for XXXX dollars from a XXXX XXXX XXXX I told her I owe no debt, the XXXX XXXX  was properly closed by me, all equipment was returned within the allotted 30 days, and final payment was made. I also requested they communicate by mail, so I would have their address and could forward the final XXXX receipts. The collection agent refused, said we rather put this on your credit report. I informed her that I do not owe the debt, and have receipts. She became belligerent, and after the phone call, the next day they sent the information to the credit bureaus. I also asked her not to call by phone any longer, and to send me correspondence by mail In a continued attempt to get their address again. Instead, I have received no correspondence and was called again on XX/XX/2022, twice. At this time, I have forwarded the receipts for the contested accounts to the 3 credit bureaus with an explanation. This company appears to either buy bad debt without checking to determine if it is actually owed, or simply ignores those facts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30
Company: CREDIGY USA CORP.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A lien from a company we do n't know anything about ( XXXX XXXX XXXX XXXX ) has been placed. 

***We have paid { everything }, the mortgage, credit cards, etc. 

You could see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Consumer Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get calls all the time from random numbers around the country saying there is a complaint against me. Sometimes they are recordings and other times they are people throwing out scary words such as " garnish, affidavit, etc '' Now they are calling my wife and my mother-in-law and this is why I have submitted my complaint to you. 


The most recent numbers are : XXXX XXXX I am more than happy to help you catch them!

Company response to consumer: Untimely response
Consumer complaint received 2017-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 XXXXletter for which they have approved to remove this delinquency, but experian is not removing and does not cooperate, the other two bureaus have already removed except experian. 
thank you for your understanding

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 2022-08-16
Company: EQUIFAX, INC.
State: MD
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:
Good morning! 

I missed XXXX payments ( XXXX, XXXX, XXXX ) in the year of XXXX due to XXXX. 

I reported this to XXXX XXXX during the early stage of XXXX when I was seeking assistance ( i.e. forbearance, loan modification, refinance ). 

On XX/XX/XXXX, I paid my mortgage off in full. Yet, XXXX XXXX has placed serious delinquency on my Equifax credit report ( along with the other credit bureaus ). 

I do not understand why these over two-year-old payments ( due to XXXX ) are still being reflected on my credit report. 

Why didn't XXXX XXXX report to all three credit bureaus that these payments were missed due to the national pandemic? 

Furthermore, why didn't XXXX XXXX update this information when my mortgage was paid in full over two months ago? 

Like others, I have suffered emotionally, physically, and financially from XXXX. I'm still suffering from this pandemic. 

Additionally, I'm suffering XXXX, physically, and financially from the information that XXXX XXXX reported to all three credit bureaus. 

I humbly ask for immediate assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX. After returning equipment in CtXXXX on XX/XX/2020 and paying balance owed by automatic payment method, an additional bill was sent in error. I disputed this with the credit card company and after several weeks a credit was issued. 
Several months later i received a collection notice from XXXX XXXX XXXX requesting payment for the previously credited amount. I discussed all pertaining issues and thought it was over. Several months later I receive a collection request from XXXX XXXX XXXX for the same account. I gave them all pertinent info re : the issue and requested a full history of my account so as to forensically correct the issue. I receive a plain non descript bill for the claimed amount due and nothing else. I recently again received a collection notice from a third collection agency, Sequium Asset Solution requesting same payment.

The biggest issue I have is that 3 companies are reporting me in a negative manner and affecting my credit score, all for the same acct. And amount. 
Not only has the bill been paid in full but i continue to be a loyal customer in good standings with XXXX. 

I would like to see the negative portion of my credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Experian Information Solutions Inc.
State: NV
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:
Promotional inquiries showing and information wrong. Not a complete with all the pages.

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 2018-03-28
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report today and discovered Hunter Wakefield Law office and entered an incorrect debt on my credit report with put giving me written info on debt vadility

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I want to file a formal compliant against ALLY FINANCIAL as they had reported me 30-59 days late for XX/XX/2017 when i was assured by their representatives that this would not happen. I had called their service number multiple time to inform them that my XX/XX/XXXX statement was missing and they had informed me that it was not an issue and I would not be charged any fees and a payment was processed and I was told I would be getting a new ones sent out. When the new one came I paid as I usually do and kept that process going as I always have until the car was paid in full. I am saddened and confused by why they reported me 30-59 days past due and caused my credit score to drop over 100 points! This is so horrible and not fair at all. I do not appreciate being lied to and I am a great customer. This account is closed and paid off an don one in customer serve is reliable or helpful to me in alleviating this issue. Please can someone investigate this and help me with the false late that is tarnishing my credit 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 2017-08-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Midland Funding is reporting an account on my credit report. I filed for bankruptcy in on XX/XX/XXXX, and my bankruptcy was discharged on XX/XX/XXXX. This account was initially removed from my credit report, but was reinserted TWICE by Midland. It is showing a {$0.00} balance, but should not be showing at all per it is an FCRA violation to reinsert items onto a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
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:
I am a natural person, I am a living human being, I have rights under 15USC 1681.

Equifax is govern by 15 USC 1681. And They Violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: EQUIFAX, INC.
State: NC
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:
Back in XX/XX/XXXX, I filed two CFPB complaints about Equifax because my credit report was blank other than1 fraud that I had a police report for being a victim of identity theft. Equifax finally updated my account and removed the fraud account. Since then several updates have happened that didn't really cause concern little things. Now at the beginning of the year, XX/XX/XXXX Equifax has removed almost all of my accounts from my credit report. My credit report is showing that I have a credit history of 1-year which is completed inaccurate. Please see attachment that shows 13 accounts were removed from my credit report. Please also see that the fraud account for XXXX XXXX XXXX that Equifax told CFPB that was removed in XX/XX/XXXX was actually added back at some time and removed again with all my real account information. I went from a blank file with fraud information, to a somewhat completed file to a no history file. The credit reporting agency should report accurate information and it seems like Equifax is reporting anything it wants to report instead of the accurate information. Credit agencies should not be able to alter someone's credit history by just removing current and past credit accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX  TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME.
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE.
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE.
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND.
APPRECITAED

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 2022-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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:
Yes I have spoken and tried to reach out to the portfolio company that's got my debt and I disputed it numerous times still get back the same information and the total was like XXXX and I told him this fraudulent activity that has been on this card numerous times from someone else without my consent or authorization and also told him it was national disaster as well during covid-19 I lost my job so that being said I've disputed it numerous times and they still keep giving me back the same information and I told him I was not going to pay because of the fraudulents and the national disaster went back in XXXX so if you could please help me get this off my credit report I would really appreciate it.XXXX also it has been reported it was closed now they still trying to open it and keep trying to collect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE XXXX XXXX. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions 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:
Somehow Experian seems to have verified some information, That XXXX deleted. XXXX   deleted all the items in question, they all get their information from the same source, how does that happen? XXXX  deletes the information, but, Experian somehow verifies it.?? 

XXXX XXXX # XXXX Their is a pdf attachment with this complaint that Experian is in violation of the FCRA, XXXX Deleted the same item that I challenged at Experian

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