BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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'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 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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted disputes and requested validation of debts, I requested contracts with signatures, copies proving these accounts were investigated and properly verified. After months of waiting nothing was provided however creditors stated items were verified without showing or explanation to how. I also requested my name address be updated correctly and nothing was done. I am requesting all accounts reviewed, investigated as they are required by law. Please remove collection accounts and charge offs listed that arent mine or not verified.

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 2023-09-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
Letter to Credit Bureau Dispute information in Credit Report File Date 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 Dear ( XXXX XXXX, This letter is to serve as a formal dispute regarding inaccurate information contained within my credit report file with your agency. 

I have identified herein the items that I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX The items I dispute are also circled on the attached copy of the credit report file I received. This is ( INACCURATE OR INCOMPLETE ) because I never had an apartment at XXXX apartments in my life, therefore this was fraudulently opened. 

I am requesting that the items be deleted ( OR REQUEST A SPECIFIC CHANGE ) to correct the information contained within my credit report file. 


Please investigate this matter and ( DELETE OR CORRECT ) the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: GA
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 have notification back from the bankruptcy courts that states they never provided my information to a third party reporting agency and under the Privacy Law of 1974, Under 15 USC 1681 a ( 2 ) ( A ) ( iii ) a consumer must be given a chance to direct weather information about a transaction should be reported, ( opt out law ) any authorization they believe they have they no longer have.Lexus nexus, XXXX XXXX, Equifax and XXXX has violated my right to privacy by furnishing private information without my written consent, I would like the unauthorized negative report to be removed in XXXX days with a copy of all XXXX reports showing the removal according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collection company XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX has been harassing me since XXXX of 2023, claiming that I owe a debt to a former property management company, but has not produced any documentation clearly showing a bill for an amount they claim I owe. I have contacted the company in writing to provide documentation. They continue to provide a move out statement that literally reads, " This is not a request or demand for payment of any amount. This is a copy of your move out statement that we are required to send by law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following items listed on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account DEPT OF EDUCATIONXXXX XXXX Charge Off Account DEPT OF EDUCATIONXXXX  XXXX Charge Off Account DEPT OF EDUCATIONXXXX XXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXXS XXXX Collection Account XXXX XXXXXXXX Collection Account I believe that these items are i

naccurate and/or incomplete, and I request that they be removed from my credit report as soon as possible.

I also want to bring to your attention that the inclusion of these items on my credit report is causing me significant emotional distress. The stress and anxiety caused by the negative impact on my credit score and the potential implications on my financial future have been overwhelming. 

As per the Fair Credit Reporting Act, I have the right to dispute any inaccurate information on my credit report. I request that you investigate the accuracy of the items listed above and provide me with a written response detailing the outcome of your investigation. 

Thank you for your 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 2022-12-24
Company: EQUIFAX, INC.
State: MD
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 writing to have the following removed from my file immediately. The items i need removed are listed in the report. i am a victim of identity theft and i did not make these chargers. i ask that items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me and family from moving forward with our lives and is not reflecting an accurate score. THANK YOU XXXX BLESS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: WSFS FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
***AUCTION SCHEDULED XXXX I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage. 

I, XXXX XXXX am the trustee, estate representative. 

XX/XX/XXXX I notified XXXX XXXX XXXX XXXX of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. Page 18 in Know your rights. I uploaded the required documents. 

The property is currently ( XX/XX/XXXX ) under a water damage claim/repair that affected half of the 1st floor kitchen and the 2nd floor bathroom plumbing. This process is being monitored by the reverse mortgage servicer. 

This particular foreclosure should have ended with the death of the borrower, but at this point all I am trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal. 

In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender. 

*** I spoke with XXXX XXXX with XXXX XXXX as advised by XXXX XXXX XXXX to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process?!? ***

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Fraudulent Inquiries XXXX XXXX XXXX date of Inquiry ( XXXX XXXX, XXXX ), XXXX XXXX date of Inquiry ( XXXX XXXX, XXXX ), XXXX XXXX XXXX date of inquiry ( XXXX XXXX, XXXX ), XXXX XXXX XXXX date of inquiry ( XXXX XXXX, XXXX ), XXXX date of inquiry ( XXXX XXXX, XXXX ), XXXX date of inquiry ( XXXX. XXXX, XXXX ) Kind regards, 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 2022-06-03
Company: EQUIFAX, 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: Information belongs to someone else

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/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
syncb/ppc Showed up on my credit report as a delinquent account. 

I called their ( synchrony bank ) fraud department trying to figure out what it was, they mentioned it was opened with a XXXX  email account and mentioned several purchases that were unknown to me. We both agreed that was not my account. Then months later i get a letter saying they denied my fraud claim because someone ( not me ) made payments on the account at some point and somehow i benefited from the fraudulent purchases? 

After i got this letter i called immediately and was told to ignore that letter.. 

60 days later the fraudulent account shows back on my credit report. 

I called immediately and they re-opened the case without giving me any other details other than the account was owned by XXXX XXXX  ( never heard of them ) and they have received tons of calls about the same issue. 

I filed a dispute with expiran credit agency and may open a police report soon. This is identity theft and blatant fraud by the bank pinning this account to my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX had a data consumer breach and failed to inform me ; XXXX  XXXX Data Breach Settlement, otherwise known as In re : XXXX XXXX XXXX. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.

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 2023-05-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-06-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance With the Fair Credit Reporting Act XXXX Account # XXXX, 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 An 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 Any Purpose.

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 2023-09-23
Company: ERC
State: OK
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After multiple calls over several months where no messages were left, I finally answered a call from XXXX. A man with a heavy accent said he was a collection agent from company called ERC. He said I owed over {$700.00} to XXXX for unpaid balances in 2019. Wanted me to pay it immediately over the phone. At some point he mentioned an email address he has on file for me- which was not right. So I told him he was calling the wrong person. Then he proceeded to recite the last four digits of my SSN and my home address - which were not wrong! I ended the call quickly at that point. 

I checked my credit reports and found that ERC had filed on two of the three agencies. I have disputed the claim and locked my credit. I called XXXX to ensure my husband 's account is in good-standing- it is! And I also confirmed that my name and credit were not on that account- it's not!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: CO
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance With the Fair Credit Reporting Act XXXX  Account # XXXX, 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 An 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 Any Purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX I made purchase for three different items on XXXX for {$100.00} When I received the first item it didn't look as website stated. I request a label to send it back. The 2nd item came the next day and it was defective. I follow the details to contact XXXX for this return. I was not able to contact XXXX so I contact XXXX, since I used my XXXX credit account. On XX/XX/XXXX I spoke with young lady that open a disputed. I ask her if I should send back the first item ( ring ) since I got the go a head for that. I also told I did not received the 3rd item and no longer want it. Since I am already having a problem contacting XXXX. She advised to hold on to all item ( when I received 3rd items as well ) until XXXX contact me. After that I heard nothing. I called XXXX on XX/XX/XXXX since then I have been contacting XXXX and keep getting different information each agent I speak to. I received a email on XX/XX/XXXX that I missed sending additional info. When I call I found out I was sent an email. I check my junk mail found an email. I advised the agent I have been in contact and no one ever said before that I was sent an email. After this process I send pictures. The case got closed when began another process. I was later able to send back the items and got a refund for the shipping cost. on XX/XX/XXXX I got a credit for {$53.00} which is not my full refund. I contact XXXX and I am getting no where. Based on my experience. I call XXXX and their agents tell you anything just to get you off the phone. They don't listen very well, you have to keep repeating yourself and when it's to where you are on the same page, they transfer you and you have explain and try to bring them to what you are calling about. They again tell you anything to get you off phone. A XXXX is never available. Today XX/XX/XXXX I told agent XXXX from the XXXX that I want to speak to XXXX she state none was available when I insist. She assured me one would call me back in 30 minutes. She confirm my phone number, but know has called me back yet which is more than hour now.

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 2022-12-24
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed a couple of things on my credit report a couple of weeks ago, then got a completely different collection hit on my report in the same month! I never even received medical care from the hospital nor received proper notice of any bill in that amount! By mail, email or phone. 

Collection agency information. 
AR RESOURCES INC has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : AR RESOURCES INC Address : XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$450.00}

Company response to consumer: Closed with explanation