BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: IL
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:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2022-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
STATEMENT OF FACTS : XXXX. On XX/XX/XXXX, XXXX XXXX, hereinafter Respondent, made presentment of a PRIVATE ADMINISTRATIVE REMEDY DEMAND No. XXXX, incorporated herein in its entirety as Attachment A, to Portfolio Recovery Associates LLC XXXX hereinafter Debt Collector, for the setoff, settlement, and closure of Account No. XXXX, hereinafter Account, sent via USPS Registered Mail, Article No. XXXX. 
XXXX. Enclosed was an Offer of Performance, Tender of payment ( promissory note ) and Debt Collector Disclosure Statement, incorporated herein in its entirety as Attachment A giving twenty onXXXX ( 21 ) days for response. 
XXXX. On XX/XX/XXXX, XXXX XXXX, made presentment of a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND CONTEST ACCEPTANCE incorporated herein in its entirety as Attachment A, to Portfolio Recovery Associates, sent via USPS, Article No. XXXX, giving debt collector ten ( 10 ) days to respond XXXX. On XX/XX/XXXX, XXXX Collector mailed to Respondent a computer-generated correspondence dishonoring the offer of performance. Debt collector failed to provide verification of debt, only statements alleging its validity. 
5. Debt Collectors failure to sufficiently respond or timely honor the Presentment, by the terms of the Presentment, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE contained therein. 
XXXX. As of XX/XX/XXXX Respondent has not received sufficient response to the Presentment, thereby placing the Debt Collector at fault, as evidenced by the CERTIFICATE OF NON-PERFORMANCE dated XX/XX/XXXX, a record of which is attached hereto as Attachment A. 
7. Debt Collectors failure to sufficiently respond or timely honor the Fault Notice, by the terms of the Fault Notice, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE incorporated with the Presentment.

8. Debt Collectors acceptance and approval of the TENDER OF PAYMENT ( Money Order ) constitutes Debt Collectors agreement to the stipulated aggregate amount of unpaid obligations being XXXX ( {$0.00} ) and XXXX/XXXX dollars. 
9. Debt Collector has defaulted.

10. As an operation of law, Debt Collector by dishonor of the Presentment and the Fault Notice has created a default. 

On XX/XX/XXXX I sent to portfolio recovery associates a notice of default and consent to judgement, which they have failed to respond. 

**Portfolio recovery associates has threatened and continued to report unverified information to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: WA
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 and Experian Scheduled payment amount reported by XXXX and Experian is incorrect and according to FCRA should be corrected and updated. I have documented proof but XXXX and Experian will not allow me to upload the documents online. XXXX and Experian is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and XXXX and Experian refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving EXPERIAN AND XXXX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at XXXX and Experian even though they used to show the correct amount

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 2023-11-04
Company: Experian Information Solutions Inc.
State: TN
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 explanation
Consumer complaint received 2022-07-13
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My girlfriend and I moved out of our ( XXXX at XXXX XXXX  ) apartment on XX/XX/XXXX. We paid our rent in full, in addition to the required fees per the online invoice. Nine months later ( late XXXX ) we received a collections request from National Credit Systems Inc on behalf of XXXX at XXXX XXXX indicating we owed {$210.00}. There was no detailed explanation as to what the debt was for at all. 
On XX/XX/XXXX we responded ( via registered mail ) to National Credit Systems disputing the debt and asked for debt validation. It wasn't until XX/XX/XXXX we received a letter from National Credit Systems demanding payment or our credit would be affected, and no explanation or validation of the debt owed included in the letter. 
We checked our credit and found out that National Credit Systems had attached our credit back in XXXX of XXXX. 
On XX/XX/XXXX we wrote another letter back to National Credit Systems ( sent registered mail ) explaining to them that we still have not received a debt validation letter from them and that they have violated several sections of federal law by their actions and/or nonactions. We have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified via my XXXX credit report that a new collections account was posted. It was from a Credence Resource Manage- for XXXX XXXX in the amount of {$110.00}. It was posted to my credit report on XX/XX/XXXX. It said that I opened an account for 1 month with XXXX in XX/XX/XXXX and owed a total of {$110.00}. On XX/XX/XXXX I reached out to XXXX XXXX to understand where this account was coming from. I spoke to an agent name XXXX in Collections who had no information of me ever having an account. I then spoke to an agent name XXXX in Retention who by search of name, address, and social did not find any record of my having an account. I then contacted Credence Resource Management where a person asked me my name and could not find any information on me. He then asked me for my full social security number. I was highly nervous to provide that information as he had nothing with my name and birth date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: I.C. System, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the process of trying to assume my loan on XX/XX/XXXXXXXX  with Amerihome Mortgage company. After I received the documents, I immediately sent them out via faxed, emailed and sent USPS with BOTH of our signatures on the documents. My ex was willing to sign the house over. XX/XX/XXXXXXXX  was the first time I sent these documents. I received an email on XX/XX/XXXX that was an auto response. The company then sent me 10 more copies of the same documents after repeated requests to verify that they had received the ones I had sent. After many phone calls, I finally received the disclosures on XX/XX/XXXXXXXX  from the company. After many attempts to contact the company via phone, it took me filing a complaint to get someone from the office to call me after several attempts to contact the company. People promised a call back and I would wait and no one ever called. I filled out the documents promptly and returned them. After several attempts to get in touch with someone to verify if my package had been received. No one called me back, or emailed. I filed a complaint in XXXX. I finally was contacted by XXXX XXXX in the office of Amerihome in XXXX, who I then spoke to upwards of 40 times between XXXX and XXXX. My loan was transferred to XXXX XXXX XXXX XXXX after I had been approved by the VA and denied by Ameri Home. XXXX XXXX XXXX XXXX took three business days to send me the documents. My ex is now refusing to sign the documents and wants equity out of the home because he is now broke. I am facing large court fees now to get him to sign because the loan was supposed to be in my name by XX/XX/XXXX. Because Ameri Home was negligent and dragged their feet, I am now looking at having to move my XXXX kids and be kicked out of my house. I have asked Ameri Home to outline the timeline of the calls, emails and many correspondences we have had over the course of the past 11 months. For some reason they are unable to do that. I need to be in court XX/XX/XXXX to try and get the house in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXXbank of america edd card. 
Bank of America intentionally requiring you to come into the bank multiple times to verify your identity. 

Only to hold your money and to make interest from it! while at the same time closing banks, and requiring appointments. 


I have had to go into the bank multiple times giving the exact same information, which they already have on file! 

This fraud! This is consumer 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 2023-05-11
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: Investigation took more than 30 days

Complaint:
I checked my Experian credit report and noticed that there was information that is inaccurately being reported. I tried calling them, but I could not get anyone on the phone. I also sent them a letter to dispute the information and I have not seen any changes, nor have I received investigation results from them and it has been well over 30 days. My consumer rights are being violated by their non-compliance with the FCRA. It is causing me great stress and I feel that legal action may be the only way to get this resolved.

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 2022-02-18
Company: Cascade Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The medical institution is Code 3 ER which closed during the pandemic. I have filed multiple complaints with the XXXX ( if you look at the XXXX website for this organization you will see multiple complaints just like mine ) and other organizations, like the local state departments where it was located in XXXX, because there was no phone number, email, social media account, or way to contact the company about anything and I was on a payment plan which I have proof of but there was no way to get an updated statement. Then Cascade Receivables Management LLC sent me a letter XX/XX/XXXX so I sent a dispute letter certified mail within days of receiving that letter. I then saw on my credit report that a XXXX XXXX XXXX reported it on my XXXX credit report XX/XX/XXXX. They had reported it to the credit bureau before it was validated which I read was against the Fair Reporting Act and I heard no response to my dispute letter. I just now ( XX/XX/XXXX ) received a bill statement from Cascade Receivables Management LLC that is a different amount then the amount on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I 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 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 2022-07-13
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}, XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX Balance : {$160000.00}.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX is reporting multiple addresses on me that are incorrect, multiple variations of my name that are incorrect, and multiple inquiries that should not be there. I am a consumer ( definition-natural living person ) .Pursuant to 15 usc 1692 ( a ) ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT WRITTEN CONSENT TO RPORT ANYTHING ON MY CREDIT REPORT. NO CONSENT IS IDENTITY THEFT pursuant to 15 usc 1692 C ( c ) ( 2 ). I am invoking my specified remedy as a consumer and the original creditor.

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 2022-02-17
Company: LD Holdings Group, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to refinance my home & have been searching for the best interest rates. On XX/XX/2022, I contacted loan depot.com. I answered some questions & was told they would call me back within the hour. They never quoted me an interest rate. I Never gave them authorization to pull my credit report. And I never heard back from them. I've since called them 5 times, left messages & never received a call back. They did a hard pull on my credit which has negatively effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: GA
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 XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 response to consumer: Closed with explanation