BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
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: 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 2023-04-23
Company: Credit Karma, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello good day, CREDIT KARMA has made 104 INQUIRED on my Credit report for over Two years now and I'm just finding out to have my credit repaired and this is just one of the reasons my score will not go up??? 
1681A,1681B, M15USC1681N {$1000.00} for every unauthorized Inquired on my report without my PERMITTION. 
due to CREDIT KARMA Negligence making a 104 INQUIRED on my report has made my credit scores remain in the 400 'S FOR YEARS NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: National Credit Adjusters, LLC
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:
National Credit Adjusters violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 
15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

On XX/XX/2022 i received a letter in the mail from National Credit Adjusters trying to communicate with me in an attempt to collect a debt. In which, the letter i received violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out about the debt when trying to refinance a mortgage. LVN Funding LLC was on my credit report the debt {$400.00} XXXX XXXX XXXX on XX/XX/18 an old account that had been settled. I attempted to contact LVN funding to discuss the debt noting had been settled and was told this could not be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, 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:
Equifax has refused to comply with the consumer reporting and consumer protection laws. Equifax is reporting an account on my report that has not been officially investigated and verified. XXXX and XXXX has investigated this item and concluded that the item did not belong on my credit file. I've contacted multiple agencies and departments and according to them, they have no contact with Equifax and does not provide information to them. 

How is it that a company who had a data branch and compromised 140 million files can be so negligent and not investigate an item and provide their method of verification. 

How is it that 2 other companies who use the same method of verification file the item to be inaccurate and deleted the account can be wrong, but Equifax can be correct.

PLEASE BE ADVISED I HAVE CONTACTED FEDERAL, STATE COURT CLERKS EACH CLERK HAS AFFIRMED THE FOLLOWING : THE COUNTY CLERK AND COURT DO NOT FURNISH INFORMATION TO CREDIT BUREAUS BY MAIL, ELECTRONICALLY OR BY ANY MEANS THE COUNTY CLERK AND COURT DO NOT VERIFY OR VALIDATE INFORMATION WITH THIRD PARTIES INCLUDING BUT NOT LIMITED TO CREDIT BUREAUS AND ANY OTHER THIRD PARTY BY MAIL, ELECTRONICALLY OR BY ANY OTHER MEANS.

THE COUNTY CLERK AND COURT ARE NOT TO BE HELD LIABLE FOR INACCURATE REPORTING, YOU THE CREDIT BUREAUS ARE LIABLE AND I DEMAND YOUR TRUE SOURCE OF THESE ACCOUNT AND DEMAND THAT THE INACCURATE, UNVERIFIABLE ACCOUNTS BE DELETED IMMEDIATELY. 

XXXX VERIFICATION MANDATES METRO 2 COMPLIANCE OF ALL DATA REPORTED OR ELSE CLAIM MANDATES DELETED SO DEMONSTRATE VERIFIABLE PHYSICAL PROOF OF VALID CERTIFICATE FOF FACTS TO EVERY ASPECT OF CLAIM, ALL NOTATIONS, DATES, BALANCES, XXXX, CREDITOR CALL, ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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 paid

Complaint:
ARS Account Resolution has reported a collection account to my consumer credit file.I do not owe this alleged debt! This is a legal matter and a letter of protection was placed on this account in XXXX of 2019 by my attorney XXXX XXXX. Second, ARS Account Resolution HAS NOT SENT any written notice of collection to me at all. ARS Account Resolution is violation of the FDCPA! If ARS Account Resolution has the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS INCLUDING THE LEGAL LETTER OF PROTECTION stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which ARS Account Resolution has reported to my consumer credit file. ARS Account Resolution has no legal right to attempt to collect a debt as this does not belong to me. Again, ARS Account Resolution has not validated this debt nor sent me any notice of collection

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 2019-11-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am currently a victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX  XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.

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 2018-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had on several occasions noticed accounts appearing on my credit file over the last 5 years an many times contacted the creditors as well as the Credit reporting Agencies involved in these erroneous posting. I was told that someone with a similar name accounts had merged with my own file and over time this was corrected.Recently, I checked my credit with the credit bureaus as I am about to purchase a home and open escrow in a week, but now I find I can not proceed with this real estate transaction due to accounts which I've never opened has appeared as though they were mines.These fraudulent accounts should never appeared on my file as they are fraudulent and misleading about my credit worthiness.

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 2023-06-26
Company: Conduent Incorporated
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
For the second time in less than a month, using the goprogram.com website and app, used the ATM locator and per the cardholder agreement ATM withdrawals from the XXXX network are considered fee free withdrawals as they are in network. Using the app on XX/XX/20, showed location at XXXX XXXX XXXX XXXX in XXXX, AZ as in network location. Made withdrawal at the location and have the physical receipt showing XXXX at the top, yet was charged out of network ATM withdrawal fee. This is second time company has illegally charged out of network fees for using in network ATM and then refused to remove the fees in a timely manner. The first instance took over 3 weeks to resolve after first CFPB complaint. In both instances, representatives then proceeded to illegally " steer '' me, the client, to a bank teller to make withdrawals since the fee dropped the balance below the min. withdrawal amount of XXXX allowed at in-network ATM 's and be charged another fee for teller assisted withdrawal. In both instances company notified on day of illegal fee being charged but not resolved for weeks. Practice is becoming a willful violation of cardholder fee agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CITIBANK, N.A.
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:
This morning on XXXX I contacted by phone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX to pay for a credit card debit of {$1000.00} that was sent to them for collections that stated XXXX XXXX XXXX current creditor original creditor XXXX XXXX XXXX that was owed on my credit card XXXX XXXX that was delinquent on XXXX the last payment charge-off date was XXXX and my last bill for collections was sent to me on XXXX I called them this morning and they that they had now sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX the phone number that XXXX XXXX XXXX  XXXX gave me to contact XXXX XXXX XXXX was XXXX and the woman I spoke with said her name was XXXX and was not allowed by the company to give out her last name I I told her I wanted to use my XXXX  Bank Debit to pay the {$1000.00} she explained to me that they could only process the payment with my bank account number and my routing number so I gave it to her thinking to myself that this should be a red flag and I went ahead and gave it to her and she processed my payment and sent a confirmation email to me with a confirmation number with a note at the bottom stating it could take up to 3 days to process. I then called my banks fraud prevention and they told me to keep an eye on my account and that it was likely legitimate. 
NOW I Will Explain WHY I AM CONTACTING YOU. 
After my payment was processed the woman on the phone who said her name was XXXX explained to me that there was another credit card debt with a outstanding Citi Bank XXXX charge of {$24000.00} under my social security number in collections under the name of XXXX XXXX who I believe his real name is XXXX XXXX on XX/XX/XXXX and in XX/XX/XXXX the card was issued. I used to have a XXXX XXXX XXXX XXXX, Ca ( which is a very small town in XXXX California. ) and the previous person who had my po box was someone by the name of XXXX XXXX and around XXXX he tried to follow me on the social media app XXXX XXXX under the name XXXX XXXX. In XXXX while I was working for XXXX XXXX XXXX XXXX in XXXX California he also had a charge account with an outstanding bill and he wanted to put a small XXXX generator on his account but the cashier could not let him do this since his account was already overdue then the head manager XXXX XXXX authorized and let him proceed with the charge to his account this is how I think I know who this person really is I think XXXX XXXX is definitely really XXXX XXXX and while I lived in XXXX California he managed to obtain and use my social security card to get himself issued a credit card.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Dispute of Inaccurate Late Payment Reporting on Account Number XXXX with XXXX XXXX ( XXXX XXXX ) To Whom It May Concern, I am writing to address a discrepancy between the information provided by XXXX XXXX XXXX XXXX XXXX XXXX  and the late payment records reported by XXXX, XXXX, and TransUnion on my credit report. According to the credit bureaus, my account number XXXX experienced late payments in XXXX and XX/XX/XXXX and XX/XX/XXXX. However, after conducting an investigation, XXXXXXXX XXXX XXXX XXXX XXXX XXXX has confirmed in their letter addressed to me that my account has not been reported as delinquent to the credit bureau agencies listed over the last 24 months. 

Given the inconsistencies between the information provided by XXXXXXXX XXXX ( XXXX XXXX ) and the credit bureaus, I am concerned about the accuracy of the late payment records on my credit report. I understand that the credit reporting agencies have investigated these accounts and have deemed them verified. Nevertheless, the presence of inaccuracies on my credit report raises questions about the thoroughness of the investigation. 

As a consumer, I am entitled to know the steps taken by the credit bureaus to ensure the accuracy of the items in question, as outlined under 15 U.S.C. 1681i ( 7 ) Method of Verification - Description of Reinvestigation Procedure. I kindly request a detailed description of the reinvestigation procedure followed by your agency, as well as any documentation used to verify the late payment records on my account number XXXX. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require further information or clarification. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to temporary lift a credit freeze with Equifax, so I can do a refinance on my home loan. I went online on XX/XX/XXXX and couldn't remember my password. I put in a request online to reset my password and the system doesn't recognize the last four of my social security or date of birth. I tried calling into the automated phone system to have the system unfreeze my credit report and it keeps picking up background noise and dropping the call. Finally, I was able to get through the automated system to verify my information and still the system doesn't want to unfreeze my credit after pressing the option to have it lifted. Once again, I called in on XX/XX/XXXX to unfreeze my credit and was on hold for over 2 hours still not able to get a hold of a live agent to unfreeze my credit and resolve the issue with the system not recognizing the last four digits of my social security and date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CCS Financial Services, 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:
These companies failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. They have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 2022-04-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I filed a dispute in reference to in the items on my report. It has been well over 30 days and no investigation results have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I filed a dispute in reference to in the items on my report. It has been well over 30 days and no investigation results have been provided.

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 2023-08-16
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:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-01
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Basically, Im dealing with a loan service company named Loancare on my current mortgage and they lack any type of support. I can not seem to login to or view my account, which I need to do because I believe they double billed me after sending a paper statement past the due date. That leads me to question their processes as I dont want it to affect my perfect credit score if they show I was late on a payment because of their internal issues. There is absolutely no phone support or email support either. Ive tried to get ahold of them many times to no avail. I believe its illegal not to provide my loan details to me easily and accurately and they seem to not been able to provide me basic banking information. There are many, many complaints about this very same thing online about them as well. I dont even know if they show me current or when my next payment is due at this point. Its not right and I feel they should be dealt with. I dont know what further steps I can take. Please help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief