BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute an account that are falsely listed on my credit report with your bureau. I have no knowledge of the following account and it is inaccurately listed on my credit report. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed. I have already contacted the company, and they do not have any information reflecting on my file. 

The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX ( XXXX ) Type of Business : Debt Collector Account Number on Credit Report : XXXX I HAVE NO KNOWLEDGE OF THESE CREDITOR OR ACCOUNT WITH XXXX. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE ACCOUNT REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted 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 non-monetary relief
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have not had any success with contacting the credit bureau and the online dispute center does not allow me to sign in. There is a fraudulent bankruptcy reporting on my credit report, this has been reported to XXXX  and they have removed it due to finding that it was indeed fraudulent. With no success reaching Transunion I am now filing a complaint to have the fraudulent record removed because I did not file a bankruptcy

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 2023-06-02
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: DE
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 explanation
Consumer complaint received 2023-03-03
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello- I checked my credit report today and there was a new credit collection posted in XX/XX/2023 from 'One Main Financial. ' It is a small amount of money, however, I have no knowledge of this debt and have not received any communications that it was outstanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-11
Company: Experian Information Solutions Inc.
State: PA
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:
Stolen identity credit card open in my name on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of police 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NH
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'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 explanation
Consumer complaint received 2023-06-22
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 have never had an account with XXXXXXXX XXXX. I have told them and there collection agency this as well I have asked them to show me where I agreed to them issuing me an account at my request and have shown them that they never had title to my debt. 
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. 

XXXXXXXX XXXX account 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 an 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 2018-02-22
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Back in XX/XX/2009, I became a victim of identity theft. My fathers ex girlfriend stole my wallet that contained my drivers license, social security card and credit cards. 

The case is still ongoing and open. Theres an active warrant out for her arrest. 

Ive reached out to the creditors who opened the fradulent accounts and most were removed. I work a full time job, and have a family to care for, so this has been a time consuming burden on me. 

I sent debt validation letters to synchrony about the fradulent Walmart account and was told it was sold to XXXX XXXX, I was informed by XXXX XXXX that the debt was paid.

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 2022-11-01
Company: EQUIFAX, INC.
State: DC
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:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern, Chase Bank freeze my checking account on XX/XX/XXXX due to SBA loan that got deposited on XX/XX/XXXX for {$9000.00}. Chase bank required me to provide them Employer Identification Number that have to made prior to XX/XX/XXXX which is I do not have. 
As XXXX  XXXX or XXXX XXXX I'm not required to apply for EIN but I can use my Social Number instead. 
Chase Bank refused to unfreeze my checking account despite all the documents that I provide such as state ID, year XXXX 1040 form,XXXX Schedule C form, IRS XXXX Transcript, 1099-K and Email from SBA showing that I have been approved for the loan. 
I can also provide all my tax return prior to XXXX showing that I am a XXXX XXXX or XXXX XXXX. 
Other than {$9000.00} from SBA there also my money that I need it to pay bills for this month but now I can't access at all, some bills like an auto insurance, credit card bill that I paid between XX/XX/XXXX - XX/XX/XXXX was returned and slap me with their fees. 
what Chase bank doing is so wrong specially on difficult time like now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: FC HoldCo LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had previously filed a complaint against Flagship Credit Acceptance. For issues in struggling due to Covid-19 pandemic. We were reached by a representative two days after we filed our first complaint, in which we made an agreement to make a payment. We agreed to make a payment on XX/XX/2020 in the amount of {$440.00} and then we would make another payment on XX/XX/2020 in the amount of {$440.00}. 

I did have to delay the XX/XX/2020 payment because unfortunately I started having the symptoms of Covid-19. I was tested on XX/XX/2020 and came back positive for Covid-19 on XX/XX/2020. I was required to quarantine for a period of time, as required by our local CDC. I did, contact Flagship to let them know about it and told them, unfortunately, I wouldn't be able to make the second payment. They did put in for the Covid-19 relief, which they deferred one month. Then we promptly set up a new payment arrangement date for the second amount of {$440.00} to be paid on XX/XX/2020, as I didn't get to even go back to work until XX/XX/2020, because of my quarantine time. ( If paperwork is needed to show proof I can submit that in addition ). 

However, even though we had a new payment arrangement agreed upon. Flagship Credit Acceptance has been calling family members listed as reference on my application asking them for payment on my account. They contacted my mothers phone number on XXXX XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. Harassing her for payment on the account, even though they have my phone number to contact me directly. At this point, it is becoming unbearable of their account representatives making harassing phone calls to obtain payment, even though we have an agreed payment date for the account situation. 
,

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$24000.00}.

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 non-monetary relief
Consumer complaint received 2023-03-30
Company: Innovate Managed Holdings, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Tuesday XX/XX/2023 I spoke with a representative in regards to why Innovate Auto Finance is not reporting to my credit report. The reply I received was that Innovate Auto Finance is currently not reporting at the moment which I find illegal under the unfair credit reporting act. Innovate Auto Finance is quick to report if my balance is not up to date or will only report if there is negative reporting to your credit. But since my auto finance is about to be paid off in one payment they no longer want to report. Please have an Innovate Auto Finance report to my credit agency. I also work with XXXX XXXX to take legal action in regards to this unlawful act for them only to choose to report negative items and not report update positive credit history which is stopping me from not obtaining a new vehicle since this is no longer reporting. Attached is the payoff which I will soon no longer will have to make payment which justifies my statement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I paid a debt to fifth third bank on XX/XX/XXXX 2019 as a part of a previous CFPB complaint. They rejected my payment, sent me collections, and damaged my credit score. I didn't realize this had happened until I received a letter from the collections agency. Fifth Third has refused my money, and it is now impacting my credit reputation due to them filing collections. 

XXXX transaction log of attempted payment : XX/XX/XXXX 2019 Credit Return : Online Transfer XXXX to XXXX # # # # # # XXXX Misc. credit {$290.00} {$4100.00} XX/XX/XXXX2019 Online Transfer XXXX to 5/3 # # # # # # XXXX transaction # : XXXX XX/XX/XXXX {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: Freedom Mortgage Company
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to Freedom Mortgage ( FM ) representatives for 1 year and 6 months with no response and no resolution to unfair credit reporting on my account. Despite several successful disputes with credit bureaus, Freedom Mortgage continues to re-report either an XX/XX/XXXX or XX/XX/XXXX late payment on my credit reports. This account was never late in XXXX nor XXXX of XXXX. Payments were made on the XXXX of every month via ACH deposit. To report XXXX and/or XXXX payments as 30 days late is false. Payments were automatic on the XXXX of every month. The archived statements on this account reflect ACH monies processed and exchanged between FM and my bank. 

Furthermore, if the amount sent was short of an escrow adjustment it was never communicated to ( me ) the secondary account holder. I did not receive any notices, bills, invoices, or calls regarding any adjustments as I am not the primary account holder. It is my understanding that Freedom Mortgage never maintained accurate contact information for me as the secondary account holder during the life of this loan. This is crucial because I relinquished contact with the primary account holder in XX/XX/XXXX due to a court appointed Protective Restraining Order issued by a XXXX XXXX Judge in response to a Felony Assault Charge. This No Contact order was in place for my safety and I requested FM to adjust my separate information at the time. Communications, if any, made to the primary account holder were not made to me. I have supplied the confidential court documents to Freedom Mortgages customer service email and to the RESPA Written Request Department and have received NO response. My numerous attempts to discuss and resolve this issue have been ignored. I am pleading for assistance, fair credit reporting, consumer protection, and compassion. I am the XXXX XXXX XXXX XXXX and a protective restraining order was in place against the primary account holder during this time to protect me from further XXXX  and XXXX. I am asking for Freedom Mortgage to have the compassion to permanently adjust the 30 Day late marks they continue to re-report on my personal credit reports and reflect them as current OR relieve me from their continued reporting all together. Since this account is classified as a mortgage account these derogatory marks are negatively impacting my chances at applying for safe housing, mortgage loans, and refinancing, for the next 7 years. I have mailed all the documentation to support my claim along with my contact information several times to FM, I can supply again if asked, and I would greatly appreciate the opportunity to resolve this issue. Please contact ME, as I am not in contact with the primary account holder.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-03-30
Company: Capital Link Management, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I have started the process to file XXXX XXXXXXXX and signe the petition on XX/XX/2023. I have had repeated calls and text messaged from XXXX XXXX threatening legal action/direct refusal. I called and spoke with XXXX. i explained again that i was in the process of bankruptcy to stop calling me, my job & sending email. He was rude and curt and hung up and speaking super fast that he would take note.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DOVENMUEHLE MORTGAGE is reporting a 30 day late to all credit bureaus for the month of XX/XX/2020 and XX/XX/2020. From XX/XX/2020 through XX/XX/2020 I was hospitalized with no pay due to hospitalization ... During my hospitalization I had minimum access to my banking and paying bills ... thus my auto pay to Dovenmuehle was returned by my bank. After contacting Dovenmuehle and requesting correction of this derogatory from my credit history THEY DECLINED stating late fee removal was a one time curtesy and that they were NOT willing to remove lates reported to CRAs and COVID19 release and order to banks NOT to report lates did NOT apply to them and that they are not participating in this consumer relieve program .... How is it that it is an ORDER for all lenders and my bank Dovenmuehle can chose to opt out and report derogatory to all clients for missing their mortgage payments during national pandemic and national crises!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I mailed a check to the IRS. It was stolen and the recipient on the check was changed. The check was then cashed. Wells Fargo says they won't help me because I took too long to tell them.

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 2023-03-16
Company: Experian Information Solutions 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:
It has been brought 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : {$1200.00} XXXX XXXX : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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