BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried contacting this company multiple times to let them know that I was a victim of identity theft. I am a woman and apparently a man with my social rented a apartment with my social somewhere in the XXXX XXXX XXXX area. I even tried contacting the apartments personally to let them know that I was the victim of identity theft. I have provided proof that I was a victim of identity theft. And they still refuse to take this off my credit. I have provided my driver 's license with my address that I have lived at for over 7 years and clearly showing that I am a woman and not a man.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding my credit report. I have recently discovered that there are several credit inquiries on my report that I have no knowledge of. Despite disputing these inquiries with XXXX, Experian, and XXXX, they have refused to remove them. 

Furthermore, I have been informed that my credit report shows missed payments or derogatory indicators on one or more accounts, which is not true. The credit bureaus have also stated that I have heavily used my available revolving credit, which is incorrect as my revolving limit is only 24 % of my total credit limit. Additionally, I have been wrongly reported as having a relatively high non-mortgage installment loan, with 0 % of it paid down. 

These inaccuracies have led to a significant drop in my credit scores, nearly 80 points in the last 2 months. I find this to be unjust and unfair. I request your assistance in having all the incorrect inquiries removed and all corrections made to my credit report with all three credit bureaus. I would also like my excellent credit scores to be restored immediately.

Thank you for your time and consideration.

Sincerely

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 2023-09-06
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! 
XXXX. XXXX XXXX  XXXX XXXX XXXX {$2.00}. 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 These accounts should not be furnished on my consumer report as they are in VOLATION!! 
Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Park Hill Holdings
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:
On XX/XX/2023 I attempted to apply for a house and was immediately denied by The Saferent company due to supposed information pulled from the credit bureaus. The Saferent company is purposely reporting inaccurate and incorrect information in regards to my credit file. Per the Saferent company all of the information they have on file was pulled from XXXX, XXXX and XXXX. The company also acknowledged that they know that there is a fraud alert on my credit profile but has not removed any or all information in regards to the alert and XXXX did not contact me to confirm that it was I that submitted the application as it is listed to do so on my credit file currently with all of the bureaus. Because of their gross negligence it resulted in an inaccurate denial of the rental property.

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 2022-06-01
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:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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

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 2018-08-05
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: Personal information incorrect

Complaint:
On XX/XX/18, I sent a request to have all my information updated : 1. To have all old addresses deleted off of my file, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

2. To update my name on my file.

3. To update and delete all old phone numbers.

4. There are -2- collections on my report and I have asked for validations for these collections to prove that the debts belong to me.

The above was -not- done or updated. 
On XX/XX/18, I sent in another request for this information to be followed up with and still to date nothing has been corrected on my report. 
This company failed to get back to me within the 31 day period so therefore they are in violation

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 2023-02-03
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I received a {$200.00} XXXX  card from my parents ending in XXXX to Best Buy. I tried using that card on XX/XX/XXXX ( see attachment ) to buy a set of XXXX XXXX XXXX, best buy order number ( # XXXX ). I selected courier shipment for same day delivery. My order was not delivered. On XX/XX/XXXX I received an email stating that my order could not be delivered and it was returned. See attachment for email and receipt for return transaction taken place on XX/XX/2022 at XXXX. 

Note the email states : " Unfortunately, XXXX was unable to deliver your package so they're returning it to us. 

We'll begin processing your refund for the item ( s ) included in your package as soon as we receive the return. For more details, see the What You Need to Know section below. '' Then under the " What You Need to Know section '' it states : " If you used a Best Buy gift card, it will be credited with the refund amount ; if you no longer have your gift card, contact us and we'll send a replacement '' The original gift card ending in XXXX has a balance of {$0.00}. 

On the return receipt it shows that a gift card with {$200.00}, ending in XXXX, was issued. This return was performed by the store, I was never there ( as I elected courier shipping via XXXX ). 

I tried contacting best buy customer service ; they stated I had to contact a third party at XXXX. That third party could not find the order using the full XXXXXXXX XXXX card number ; they said without the original order number of the gift card they can not help me ; I do not have this as it was a gift. I tried calling Best Buy 's XXXX  card center at XXXX. They state that without the original order number they could not help me ; they could not look up the order with my email address as the recipient. This is rather frustrating and I feel Best Buy is harming consumers by requiring a gift card recipient to have the order number for the gift card, it's a gift! Why would the recipient have that!? 

I find it very frustrating to be pushed from XXXX call center to the next ( XXXX in total ) and no one can help me. I feel like someone at the store issued a gift card ending in XXXX to someone who was not me and stole the {$200.00}.

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 2023-01-27
Company: ALLY FINANCIAL INC.
State: WI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ongoing dispute since XX/XX/XXXX Interest payout was correct for XX/XX/XXXX. Payout for XX/XX/XXXX is still wrong, XXXX, should be XXXX This has been with your back office since XX/XX/XXXX, we have chatted 4 times without resolve. This is clearly a bank error. Per conditions of CD when bank error occurs and is not resolved I have the right to redeem/cancel CD without penalty, again quoting XXXX of your supervisors. I wish to do this. Transfer the original amt back into money market acc, not happy dealing with your chat people and that this has not been resolved... ..now after 5 times!. 
This is what payout looked like : XX/XX/XXXX to XX/XX/XXXX XXXX XXXX  days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days Was told by supervisor that all payouts should be the same for the life of CD ( 12 months ) but customer service keeps telling me different. As you can see XXXX  day payouts do not match. Also XX/XX/XXXX to XX/XX/XXXX was XXXX but was originally XXXX. They did correct this but never pd the difference of 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 2023-09-07
Company: EQUIFAX, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After reviewing my credit report I noticed NUMEROUS of INQUIRIES that I did NOT authorize. I was victimized by identity theft. Below is the fraudulent accounts that do not belong to me and I am requesting that these inquires be IMMEDIATLY & PERMANTELY removed -- -- XXXX XXXXXXXX XXXX InquireXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 *XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX NA Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX  Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX BANK NA Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX CARD Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX DC Inquired on XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  The above inquiries was NOT authorized ... These are not mine. I am a victim of ID Theft and I have included a FTC report. Please investigate and remove from 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 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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've submitted dispute documents on Monday, XX/XX/2021, XXXX XXXX to XXXX disputing a bankruptcy, and on Saturday, XX/XX/2021, XXXX XXXX to TransUnion. Both companies are reporting my bankruptcy as accurate even though XXXX and XXXX could not find any information of a bankruptcy at all and deleted it from my report. I've contacted both companies and have not received the proper results.

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 2023-03-03
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and found inaccuracies that require your attention. 

XXXX XXXX - Late Payment Account XXXX XXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX  XXXX - Charge Off Account XXXX XXXX  XXXX - Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Collection Account XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX - Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX - Collection Account XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX - Collection Account XXXX XXXXXXXX - Charge Off Account XXXXXXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXX XXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX XXXXXXXX - Collection Account XXXX XXXX - Collection Account XXXX  XXXXXXXX - Collection Account XXXX  XXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX - Charge Off Account XXXX  XXXX - Collection Account According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I am requesting that you investigate these accounts and provide me with written proof of the validity of these accounts. 

I also request that you contact the original creditor and obtain proof that they have authorized the collection agency or credit bureau to collect on their behalf. If you can not provide me with this proof, I request that you remove these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2020-06-13
Company: Caliber Home Loans, 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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I called Caliber Home Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by Caliber Home Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Credit inquiries on your report that you don't recognize

Complaint:
i obtained a copy of my current credit report and noticed inquires that i did not authorize and i would like immediate removal from my credit reports

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