BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Gitsit Solutions, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Applied for Home affordability grant on XX/XX/XXXX while in a forbearance with XXXX XXXX XXXX XXXX transferred servicing to Git Sit Solutions LLC on XX/XX/XXXX There were payments in held suspense with XXXX  which were requested to be applied but were not. 

We requested a reconciliation with Git Sit XX/XX/XXXX as the amount due was inconsistent to our records and provided notice of application and underwriting of Grant XX/XX/XXXX : Git sit reported negative and inaccurate information to Bureaus on outstanding balance and XXXX  days late XX/XX/XXXX : We provided Git Sit detailed banking records and transacted payments with XXXX  and requested the disputed information being reported to be verified XX/XX/XXXX : provided Git Sit with timing to receive fund proceeds XX/XX/XXXX : Funds transacted to XXXX XXXX XX/XX/XXXX : Funds Posted to servicer. Git sit reports second derogatory trade information to bureaus with updated loan balance INCREASING by {$1200.00} XX/XX/XXXX : Request refund of allocated funds held in suspense. Git sit notifies me the funds were received from the transfer with XXXX mortgage XX/XX/XXXX and posted to the account XX/XX/XXXX Notified servicer of inaccurate information being reported while loan current and while in dispute. Filed complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-28
Company: Experian Information Solutions 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: 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

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-12-12
Company: NAVY FEDERAL CREDIT UNION
State: IN
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 Navy Federal XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried repeated times to get Cavalry Portfolio Services to verify the debt they say I owe, and they have not done so. I have made a identity theft / fraud complaint with the FTC. By law, they must remove any fraudulent information from the Credit Bureaus, as this fraud is negatively effecting my credit score and impeding my ability to conduct business in commerce. 

Cavalry has no contract with me, and can not sufficiently validate the debt they claim I owe, therefore they must remove this account from my credit report. - both XXXX and XXXX are reporting negative information on a debt that is fraud and is inaccurate which violates my rights to privacy and they are violating the laws that require them to report accurate information. This fraud must be removed from my credit reports at XXXX and XXXX Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
At this time, I have initiated a civil suit against Trans Union , LLC for improper and accurately reporting on my consumer report. Not only that, but has in XXXX on my privacy rights as a consumer, by constitution, and pursue it to state and federal state law. Trans Union continues to personalize and give an accurate investigations due to their personalize criteria. If XXXX and fdcpa distinctively protects the rights of consumers in the privacy of their information. Enclosed, you will find the summons and attachments.

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 2022-07-10
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: Account status incorrect

Complaint:
Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian has refused to remove XXXX XXXX XXXX off my report. I have been asking them for over two years to remove this.

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 2021-05-16
Company: SYNCHRONY FINANCIAL
State: IL
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 XXXX XXXX XXXX am a consumer of the United States and i never gave XXXX nor XXXX XXXX ( partial account # XXXX ) and SYNCB/XXXX  ( partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and XXXX are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and SYNCB/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 explanation
Consumer complaint received 2020-04-03
Company: LEXISNEXIS
State: LA
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 filed two credit disputes with LexisNexis in regards to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. LexisNexis responded to my last request. The response letter was dated XX/XX/2020. LexisNexis stated on page 2 the following, " After a reinvestigation of the data in question, LexisNexis verified that bankruptcy case number XXXXXXX is accurately reporting on your LexNexis Risk View Report. '' LexisNexis did not provide the original documentation bearing my signature or their method of verification in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
We wrote a check for our rent to an LLC for {$6100.00}. Someone got a hold of the check and added payable to an individual name on the check ( LLC name or Individual name ). Wells Fargo Bank in XXXX XXXX California cashed the check on XX/XX/2022. We were told it takes 120 days for us to get our money back. It is now five and a half months later and we still have not received our money. Every time we call the claim representative says we are still waiting for the branch to return the funds. Wells Fargo should not have allowed a check that shows two names payable to and LLC name or Individual 's name clear the account. The history on our account shows the checks were always written to the LLC. 

Claim # XXXX Complaint # 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 monetary relief
Consumer complaint received 2021-05-17
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency TSI is attempting to collect on a debt that was paid. This account belongs to a hospital account I paid of ( see attached ). TSI has removed the collection notice from my XXXX and XXXX  credit file, but not from XXXX Every time I call and try to speak to someone, they hang up the phone. Also, I verified they never sent me notice of a debt collected becase they had an incorrect address ( an old Address ). The hospital was also sending bills to an old address. I am asking the report on my XXXX file be removed just like it was removed from my credit file with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX had purchased my loan via XXXX XXXX aka XXXX years prior. In the original letter from XXXX I/we were told to continue payment as usual. I've always paid my mortgage every other week with XXXX. Now that I've continued to do so XXXX continually charges me late fees and I continuously receive notices that my payment is past due. My account is caught up and I am not late nor have I even been late with them. XXXX XXXX has interceded on my behalf before for the same issue. I'm requesting the late fees be removed and for them to update my records. XXXX receives their payment on time and in advance. I am paying them the same way I paid XXXX every other week. Have worked in the accounts payable department with XXXX I'm not understanding why it's difficult for this company to process payments accurately. If I need to forward bank statements from XXXX I will.

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 2022-12-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed this Ashley XXXX  account from Ashely Furniture XXXX XXXX  more than two months ago with Synchrony Bank, and it was cleared off my credit report to a XXXX balance which is what is should be. I purchased a mattress from Ashely Furniture on XX/XX/2022. The mattress was and became deemed defective by Ashley 's Furniture  Corporate office in XXXXXXXX XXXX XXXXn XXXX of XXXX. Ashely Furniture then in XX/XX/2022 sent me a new Exchange order to replace the defective mattress. There mattress people came into my place with a new mattress " Had me sign for the new mattress and then left with the new mattress '', they never even took the defective more than 2 inch deep hole mattress back Ashely Furniture  already deemed defective themselves. The mattress was no good, it sinks and it just defective! I know longer want to do business with Ashely Furniture Store. My account was current and paid in full via XXXX up until XXXX when a balance was then added back which should not be to my credit report, my balance was XXXX for the last few months and account was paid in full.

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 2019-07-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Sir/Ma'am, We purchased a XXXX hot tub from Mattress Firm at the XXXX XXXX County Fair on XX/XX/XXXX. It was delivered on XX/XX/XXXX with no plug, the wrong electrical configuration, and the wrong color. We annotated on the delivery slip and by contacting our salesperson. On XX/XX/XXXX XXXX was contacted regarding no plug ( making hot tub non working ) and the wrong color. Our salesperson XXXX offered a {$500.00} discount for the wrong color but later responded she " got an error message '' when trying to add the discount. Not until XX/XX/XXXX did XXXX arrange to have an electrical kit sent to our home. Once we received the kit we arranged to have a technician to come to our home and convert the tub to plug into the 110v standard home outlet as we ordered. On XX/XX/XXXX and XX/XX/XXXX I emailed the Mattress Firm sales representatives XXXX XXXX and XXXX XXXX regarding late and delinquent payments reported to credit bureaus to see if they could help resolve the issue- we did not pay because we did not and still do not have the tub we ordered or the {$500.00} discount offered by XXXX . Neither responded. On XX/XX/XXXX I contacted the XXXX representative XXXX XXXX and CC 'd XXXX, XXXX, and their boss asking if she could contact them or get us a way to contact them. XXXX from XXXX responded she was done with our order ( since hot tub was now funtional ) and that she had contacted Mattress Firm previously about contacting us- they never did despite her claim of asking them to contact us  and address our concerns and my email asking her for help in which I CC 'd all three Mattress Firm representatives. 
I attempted to call Synchrony Financial and was basically told to pay our bill sometime in XXXX or XXXX and today XXXX the agent at XXXX ( sounded XXXX ) stated no supervisor would accept my call unless my account was current! I asked again and again was told no supervisor would accept my call until I paid my delinquent account. I responded that that seemed criminal that the creditor did not want to talk. I have attached/uploaded a summation with supporting documents and the response from the letter I sent to Synchrony Networks.

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 monetary relief
Consumer complaint received 2022-12-12
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:
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. 

XXXX XXXX XXXX : # 1903, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation