BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Gurstel Law Firm an email on XXXX XX/XX/XXXX at XXXX XXXX  XXXX  in regards to a packet of papers received in the mail. Stating I owe {$1000.00}, plus any legal fees and other incurred fees. I stated in the email, if they can not furnish the original application with my valid signature then they must cease and desist in the same email sent on XX/XX/XXXX. They just sent me another packet of information, dated XX/XX/XXXX. I received this other packet today, XX/XX/XXXX. Their law firm is currently in violation of the FDCPA ACT. Plus that debt they are presenting is not even mine and I can prove it. Also, this account was opened in XXXX, according to the application of whoever opened it. This is over the statute of limitations of 7 years. I have also gone ahead and filed the necessary form on the utahcourts.gov website on XX/XX/XXXX, and served their law firm with them as well. The form I submitted was the Debt Collection Answer Form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Consumer Financial Protection Bureau : I would like to please have Transunion assist me with the reporting of a few accounts. I have contacted the furnishers and I am not getting responses and this can be damaging to my credit worthiness. I also would like them to remove any old address on my account and use only my current address of XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I would like to have the accounts that are reporting late off of my report. 

I have sent to them my DL License, FTC reports already and on file already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
I was denied health insurance because of Experian. I sent over identity documents to Experian. I am victim to identity theft, and recently compromised information. I tried multiple time to obtain my credit reports online, unsuccessfully. I sent in written letters and nothing mailed to my address. I called Experian at least 10 times. I discovered according to my credit file, that I do not have access too via identifying for a call with a representative, that potentially have retail credit card, auto loan with small credit union, and credit cards. I can not pass the identity checks to request my personal credit report via phone. My Experian credit report is inaccessible to me. I have no knowledge of these accounts. If this information is true, someone is fraudulently using my information to obtain accounts, health insurance, ect. What Experian has done has caused immense damage to my life, including lack of employment, health benefits, government benefits, unable to obtain a place based on my credit score with Experian. Unable to get in touch Experian because of possible identity theft and unable to verify identity online.

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 2021-08-16
Company: EQUIFAX, INC.
State: DC
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NC
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:
The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX  Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reaching out because I am at a complete loss right now. I am attempting to get a mortgage and my credit reports show I have XXXX missed payments to my student loans. When I investigated this further it shows I have XXXX missed payments from XX/XX/XXXX and XXXX missed payments from XX/XX/XXXX. I disputed this with the credit agencies and they came back and stated that they verified the information and they can not remove it. I then requested my student loan status history. For all XXXX of the reported missed payments I was in economic hardship deferment. I was in deferment XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX until XX/XX/XXXX. The missed payments being reported fall within these times of deferment. I wrote a letter and attached supporting information to XXXX and they wrote a letter back stating that I am still responsible for the missed payment and they can not retract the negative mark from my credit. I have been so stressed out about this! It does not seem fair that while I was in economic hardship deferment they can " kick me while I'm down ''. I then called XXXX XXXX reporting line on XX/XX/XXXX right before I wrote this email and while the guy I spoke with understood and agreed with what I was saying the only advice he could offer me was to write a letter to XXXX. I explained that I did that already and he stated there was nothing he could do. 

I am hoping that you can help me get this resolved or point me in the right direction. I am a single mother and have two small kids and I really just want to provide a house, a place they can grow up, and I am being haunted by missed payments that should never have been reported in the first place.

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 2019-02-05
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Cach LLC ( Docket # XXXX ) was released in bankruptcy discharge XX/XX/2013. However, they are still reporting a judgement on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2022 XXXX XXXX XXXX and Equifax unlawfully took adverse action against me by reporting unfair inaccurate reporting. XXXX added a {$1.00} charge to a closed charge off account this is a violation 15USC 1681m. I disputed the validity of the account and XXXX charged a closed account XXXX dollar which played a part in my score dropping over XXXX points on EQUIFAX. XXXX FAILED TO NOTIFY ME PERSONALLY IN WRITING ORAL OR ELECTRONICALLY THEY HAVE ONLY MADE CONTACT WITH THE CREDIT REPORTING AGENCIES. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 30 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
Today, XX/XX/2016, I visited the Bank of America Financial Center, XXXX XXXX XXXX, XXXX, XXXX XXXX, to attempt to deposit a check into my mothers account. I had received XXXX checks from the XXXX related to the settlement of an insurance claim. The checks were drawn upon an account XXXX had with Bank of America. The checks were for {$16000.00} and {$250.00} respectively. The checks were made out in my name but I indicated to the branch manager, who was assisting me, that I would endorse the checks over to my mother 's name so that they could be deposited in my mothers account if that was necessary. I provided my XXXX Issued Drivers License as a photo ID so that they could identify who was making the deposit since it was not my account. The manager indicated that I was not allowed to deposit the check, made out in my name, into my mothers account because she had not authorized the deposit. She told me to bring my mother into the branch with me, however my mother is in XXXX and this was not possible. Additionally, I was presenting a photo identification, with a last name that matched the account holder. The manager refused to accept the deposit of the check, even if it was properly and legally endorsed in my mother 's name. 

After refusing to allow me to make the deposit, I requested that the check be cashed since it was a check drawn upon a Bank of America account held by XXXX. She then asked if I had a deposit account with Bank Of America with which I could deposit the check. When I indicated that I had my personal deposit accounts with another bank she indicated that there was nothing she could do. When I told her that it was a Bank of America account, she indicated that she needs advanced notice for a check of that size and the check would have to clear before I received the cash and since I did not have an account there was nothing she could do. I believe that this was unfair, improper, and potentially in violation of the law. 

Before leaving I indicated that I believed that it was legal for me to endorse the check and deposit into my mothers account and I did not understand why they would not accept it. I also expressed my lack of understanding as to why Bank of America could not cash a Bank of America check. Receiving no answer or further information I left and had to travel to my bank and deposit the check, now I have to wait for the check to clear and then issue a check in my mothers name which will take time to clear. 

As a result, there is a loss of the time value of the money, including the accrual of additional interest upon loans which the amount of money, which is not insignificant, was intended to reduce principal upon. I have been harmed by the conduct of this bank and feel that I have no recourse other than this complaint.

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 2022-06-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( 1099A ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX last year, I asked for hardship assistance since my husband lost his job, they approved me fir payment plan which {$910.00}. Higher than what I was paying {$730.00}. Then I skip one payment they send me a certified letter saying if o dont pay the full amount, my account is in default and o have to pay {$3100.00} other ways I will have foreclosure on my property. And they refused to modify my interest rate which is 6.75.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I previously notified ARS that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts ending in XXXX and XXXX Remove any charges such as {$35.00} and XXXX on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately.Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report.Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs.Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

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 2023-12-27
Company: Radius Global Solutions LLC
State: MI
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:
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX 2 ) account # : XXXX. 3 ) account # : 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 2015-05-19
Company: JPMORGAN CHASE & CO.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Chase Auto Finance- In XXXX 2011 we purchased a vehicle and were offered an outrageous rate. We were desperate at the time and excepted. We recently got behind on payments do to a job lay off. I had been in contact with the bank and made a payment XXXX XXXX. They asked me my plan for getting caught up and I let them know I would making over he min payment until it 's caught up. It was XXXX payments behind. They were fine with that and we moved on. This past Sat I came home to it being repoed. I jumped on the phone asking what was going on and they said that they have n't been able to get ahold of us and that they have been calling and sending letters for XXXX months. I tried to make the entire past due payment and they refused it. I updated my address and phone back in XXXX when this all began. They claim to have been calling me for XXXX months .... I spoke to a rep on XXXX XXXX that processed my payment for me. They claim to have sent letters but to an old address and that they did n't have the new one yet the driver was at my house. I also have to verify my address every time I call in and for them to process my credit card payment. The loan was originally for $ XXXXk and change. My last payment paid off the principal balance plus some. Coincidence? I still owe over $ XXXXk. This loan was never meant to be paid off and they knew that. It would be impossible. On Monday I went to log into my online account and they had already deleted it from the system. Please let me know if there is anything we can do. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2022, Experian responded to complaint # XXXX. I disputed the addresses that was show on my credit report. Experian states that the addresses do not appear on my current Experian credit report. I have attached my XX/XX/2022 credit report that was mailed to me as proof. I am disputing both accounts that belong to these addresses. If these address are not on my credit report, why are theses account on my credit report. Child Support North Carolina address # XXXX and Child Support North Carolina address # XXXX showing on my Experian credit report. The Fair Credit Reporing Act states that all credit reporting agencies must report accurate information on a consumer credit report. Law 15 U.S code 1681.

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 2023-12-07
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 hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my concern regarding the inaccurate and incomplete credit information that is currently listed on my credit report. I am distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. The information listed is entirely inaccurate and incomplete, constituting a serious error in the reporting. I request the immediate deletion of this misleading information and the provision of a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes, in accordance with FCRA 15 USC 1681. I respectfully dispute the following items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: In progress