BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 2019-04-27
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notice of debt owed to a towing company called XXXX XXXX XXXX XXXX. No prior communication of any debt had been received until this notice of collection from Lien Enforcement Inc. I do not own a car that has been towed. Lien Enforcement Inc. asked for identifying information and already reported to credit bureau harming my credit, despite letter saying I had 30 days from date of letter ( XX/XX/XXXX ) before they would do so. I am disputing the debt, as I have never received any notification prior to this of any debt owed and do not understand what this is for. I feel they are using unfair practice in harming my credit without allowing me time to dispute and prove this debt is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX 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 2023-06-30
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX the attorney we used in the past sent a release letter to Fay Servicing so we could talk about our account and they wont because the email was not stamp signature which they did not tell the attorney he needed to do I feel they want to take our home from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I was notified that my mortgage service company XXXX was being transferred to XXXX XXXX. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with XXXX, they stated XXXX was no longer in business. I attempted to make a payment to XXXX, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, 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 2023-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; 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 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received an email dated XX/XX/XXXX from my credit monitoring service XXXX  stating that there was a new bank account attempt in my name on XX/XX/XXXX. Also on XX/XX/XXXX I received an email from Axos bank welcoming me as a new checking account customer. I have never heard of Axos bank and did not initiate contact with them. On XX/XX/2023 I called Axos Bank to inquire about this fraudulent account. The customer representative could not help me but said to email my concerns to XXXX so I did. I never heard back from them. On XX/XX/2023 I called Axos bank again in the hope of getting some resolution. I spoke to a customer service representative XXXX explained what was happening and she gave me a case number XXXX. She informed me that she would not be able to provide any further information. I have had no further contact with the bank or any information of this account. I did not open an account with Axos bank, and they appear to be unconcerned. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: SANTANDER HOLDINGS USA, 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:
My credit report dated XX/XX/2023 from the three major credit bureaus shows that Santander consumer is reporting payment history as well as a charge off with a {$13000.00} balance attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 I sent a certified letter to Resurgent/LVNV Funding with a delivery date of XX/XX/2023 exercising my right of FDCPA 1006.30a of placing an alleged debt ( 3 accounts ) on on my consumer report without my written permission ( 15USC 1681b2 ). The information was inaccurate and in violation. I requested the deletion of the accounts from my report. On XX/XX/XXXX I received a letter in regards to only one account alleging another company is the servicer of the account : also on the same day I received 5 pages of paperwork that included an account summary from Resurgent. I submitted another letter asking for validation of debt not verification. I received the same paperwork as before but it still did not complete my request. Then I was sent a letter from XXXX XXXX who then alleges that they are now attempting to collect the debt. This was the first time I every received something from XXXX XXXX. I received the letter from them after I submitted two letters to Resurgent/LVNV Funding. On XX/XX/2023 I sent another certified letter to Resurgent/LVNV Funding for violation of XXXX XXXX and XXXX XXXX XXXX. On XX/XX/XXXX I received six letters dated XX/XX/XXXX and XX/XX/XXXX stating that other companies are serving the account and some paperwork alleging debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Care Credit contacts me at least 5 to 7 times each day and on the weekend. I have been repeatedly harassed by them on a daily basis multiple ways and after asking them to stop, I started getting harassed more. They call 2-3 times a day, email 2-3 times a day, and also text me 2-3 times a day. This is illegal and is harassment. I want the CFPB to understand that they DO NOT STOP and if you say something, they make even more attempts to harass you. I can't tell you how many times I have opted out of texts and asked that they stop calling multiple times a day. I will get an attorney next if this isn't taken care of.

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 2023-10-31
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, I got a message from chime that my account is permanently suspended, that it will take 14 days to settle remaining funds in the account and that within 30 days, I will receive closure check. They ask me to confirm, mailing address, which I did but afterwards, they sent another message that I'm not eligible for refund, without any reason, it's over 30 days now and I can't access my money and I'm in debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I got a copy of my consumer report. I noticed some negative items being furnished inaccurately. XXXX XXXX XXXX XXXX states that it was late with Experian but not late with XXXX and XXXX XXXX This is obviously wrong Information being reported. Furthermore XXXX XXXX XXXX has indicated that I am a joint borrower involved with an auto loan from XX/XX/XXXX this account also has late payments on Experian but none with XXXX which again is completely inaccurate I have never consented to any of these charges and they have failed to provide sufficient evidence claiming otherwise.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: FL
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-01-06
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$6100.00}

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 2021-07-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX. I recently checked my credit report and was able to see a bunch of fraudulent actions taken in my name. I saw numerous fraudulent accounts as well as inquiries on my credit report. This is frustrating because I never attempted to get any lines of credit with these companies, and now this fraud is hurting my credit score. I am very frustrated at the fact that I have tried to resolve this many times. I will place the items I want removed below along with an FTC report and proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2023-05-31
Company: Incomm Holdings Inc.
State: HI
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:
XX/XX/XXXX I purchased XXXX XXXX prepaid visa card {$500.00} from a local grocery store XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried multiple time to check the balance on the website but it keep saying the info I entered was invalid. I called the customer service and they told me that my account was locked by using the search engine. They were going to issue me a replacement. Before I hung up the phone, I confirmed with the customer service my balance was still {$500.00}. 

Since that, I've never gotten any chance to use the amount. After 7-10 business days, I received a new card but the balance appear on the card was only {$1.00}. I login to the website and saw my card was stolen and spent multiple transactions on a website, which is not in Hawaii. I called the customer service for the issue and complained about their insecure system. They could not gave me a fast solution, instead of that, they made me wait 90 days to disputed all transactions and finally I got my new card with {$500.00} balance by the end of XXXX. 

Follow the step of the instruction, I need to call XXXX to activate my card, unfortunately the same issue happened as the first time when I purchased the card. They could not verified my information I entered. I called the customer service again to complain about it. It was very frustrating after I wait for more than 90 days but I still could not use my card. They gave me a very suspicious and ridiculous reason that my {$500.00} prepaid card has {$900.00} in balance. So they have to investigated again this issue. They gave me another case number and email address to contact with, and they will response in 3 days. Very disappointed I never received the email response since I sent it on XX/XX/XXXX. 

I called the customer service again on XX/XX/XXXX, they just told me the same thing that my balance has {$900.00}, they need to send it to a special team to investigate. after a few days I called back to follow up but the agent told me she didn't know about it and they tried to buck passing. I still didn't get any update from them till now and I don't think I can get my {$500.00} back just by calling them. None of the agent can solve the problem. I feel this company intends to hold lots of purchasers ' money sneakily. There are also tons of complains and reviews from other purchasers who have the same issue as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
These are Inquiries that Im disputing below : 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 XXXX XXXX XXXX XXXX XXXXXXXX I have reached out to each company and i was told to file a identity theft report and to call each bureau and notify them about the situation which Ive done already

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