BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When reviewing my credit report I noticed several periods reporting as 30 days delinquent by XXXX XXXX. These were not delinquent per my records and I disputed with Experian. Results came back as verified. I followed up and had no success in verifying the method of verification as correct. I want the payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which currently show as 30 days late to be deleted from my 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 explanation
Consumer complaint received 2023-05-23
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against National Credit Adjust for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : XXXX. Unauthorized Debt Acquisition : National Credit Adjust acquired debt from the original creditor, XXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
XXXX. Failure to Provide Verification of Debt : On XX/XX/2023, I sent a written request to National Credit Adjust, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with National Credit Adjust, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : XXXX. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of National Credit Adjust to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
XXXX. Cease Collection Efforts : I demand that National Credit Adjust immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. 
XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with National Credit Adjust, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, disregarding my rights under the FDCPA. 
Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When i was younger I had some personal struggles and it left me without of debt. Since Ive turned my life around 9 years ago I still struggle with raising my credit score. It got so bad that I had to file for XXXX XXXXXXXX bankruptcy. Since then its been impossible for me to get get a credit card even through I have maintained full time employment and make well over {$75000.00} a year.

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 2023-02-25
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX on XX/XX/XXXX. $ $ cleared my checking XX/XX/XXXX. Its XX/XX/XXXX and credit has not been restored. They say XX/XX/XXXX some XXXX days AFTER they had my $ $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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 AM RE-SUBMITTING THIS COMPLAINT BECAUSE EXPERIAN APPEARED TO HAVE NOT READ MY COMPLAINT, PROVIDED A FORMATTED RESPONSE, AND DID NOT ADDRESS THE ISSUES OR THE QUESTIONS IN MY COMPLAINT.NUMBER XXXX. 
I have proof in the enclosed document of the following facts : Experian is knowingly and willingly violating the Fair Credit Reporting Act by implementing wrongful policies and procedures that are damaging my credit rating, as well as the credit standing of possibly thousands of people in the United States. Experian is knowingly accepting False or Inaccurate reports from Data Furnishers ( XXXX XXXX ) with the intent and purpose of damaging my credit standing. I also strongly believe that they are working in concert with Data Furnishers to achieve the same purpose. Experian has focused on my credit record with the intent and purpose of causing damage to it, probably at the request of XXXX XXXX, in violation of the Fair Credit Reporting Act, by monitoring closely all my activities and reducing my credit score in an outrageous and inappropriate manner over minuscules amounts of money ( ( {$95.00}, {$160.00} ) that have appeared as balances in my credit card accounts that I have immediately after they appeared or by ignoring major payments that I have made to reduce the balance of Loans of credit card accounts to XXXX, and increase my credit score points as the other two Credit Reporting Agencies have done, Experian is intent on causing damaging my credit record and/or keeping my credit score very low, either by acting on their own or in concert with Data Furnishers , such as XXXX XXXX XXXX XXXX ignoring any positive moves that I have made to my financial status, or by outrageously, arbitrarily and disproportionally reducing my score when they have seen minimal amounts of money as balance outstanding in any bank/financial company where I have accounts open. Experian has, over the past 18 months, has in an outrageous. arbitrary, and disproportionate manner damaged my wifes credit record by lowering her credit score several times without any merit. Experian has wrongfully lowered her credit score that used to be XXXX by XXXX points, because they ( Experian ) took into account only new debt, and overlooked the payments, by the same amounts, that my wife made at the same time.

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 2021-10-20
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - We ( my husband and I ) closed on a home using a local-to-us title company. Shortly after ( less than one month ) our loan was sold to LOANCARE. Our closing documents as well as our Initial Escrow Account Disclosure Statement, lists XX/XX/XXXX as when County Property Taxes in the amount of {$960.00} would be paid. This amount also reflects the amount that was in the escrow account at closing, before our first mortgage payment after close. 

XX/XX/XXXX - Received a " Refund to Borrower '' check from LOANCARE for the amount of {$700.00}. The paperwork included only stated that our escrow account was in surplus, so the amount was returned to us. 

XXXX - Received a letter from the XXXX County District office stating that our property taxes were late, and were incurring late fees. At this point, I called LOANCARE to ask about why our taxes were late. At this time, via telephone, we were told that this issue would be taken care of, but we were not offered any other explanation for what happened. 

XX/XX/XXXX - Statement date for our Annual Escrow Account Disclosure. It reflected our escrow account to now be in a projected shortage of $ XXXX. Upon receiving the letter, we called LOANCARE to ask about the projected shortage. We were not given any direct answers. Instead, we were only told that our taxes had been paid on our behalf from our escrow account. I asked why we were sent a refund check if these taxes had not been paid yet. I did not receive a clear answer. We were only told that the taxes were not paid initially because the due date was too close to our closing date. This is not true. We closed on XX/XX/XXXX, and the taxes were not due ( PER THE DISTRICT OFFICE ) until XX/XX/XXXX. 

XXXX - We retained a lawyer who suggested writing a certified letter ourselves, and offered advice on what questions to ask. We did so, received a receipt that the letter was received, and waited. Eventually, we received back information that we did not believe answered our questions. 

XX/XX/XXXX - We paid our lawyer to send a certified letter of his own. Since this date, he has not received a response from them. I am unsure if this involves any receipt of signature or not. 

XX/XX/XXXX - I call LOANCARE in order to inquire about the status of our letter via lawyer. Per the customer service rep I spoke with, they received no letter. 

XX/XX/XXXX - We have retained new legal counsel in order to more aggressively pursue answers. This is also the date of writing 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 2020-12-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently came across my updated XXXX XXXX report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information 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 explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, Good Afternoon, When reviewing my credit report, I saw that an installment loan was Opened up in my name XXXX XXXX. I then decided to call the company XXXX XXXX XXXX To get this taken care of because I have been a victim of identity theft. Before I could state the case, the guy on the phone accused me of opening the account because payments were made to the account. I was explaining to the guy that wasn't by me, and I didn't authorize anything. I then provided him with a police report by the XXXX Police, an ID theft Affidavit, proof of identity, an FTC report, and a dispute letter to the company. I sent all the documents to XXXX. He then proceeded to send me an agreement that I didn't authorize, then after all the documents I provided, he said that the account belonged to me.

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 2021-10-20
Company: Long & Foster Financial Services, 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:
Companies or lenders obtained my personal information either fraudulently or had no authorization to request or obtain my credit report. I have tried to persuade companies and credit bureaus to actualize or update inaccurate or unlawful obtained information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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 sent a letter last XX/XX/XXXX to remove these negative items ; Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Date : XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU Re : Macys billing practice/ Impact on Consumer Credit Report I recently learned of negative information on my XXXX XXXX XXXX XXXX and XXXX XXXX reports that reflected delinquent payments on a closed Macys credit card account : specifically 30 days past due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is my conclusion that a sum of $ XXXX was added to my Macys Credit Card Account as junk fees in XXXX. I am requesting that Macys correct this information to reflect no delinquency for these months. This has impacted my credit and my financial good standing. Please read the summary of events below. 

On XX/XX/XXXX, I paid off the balance of Macys Credit Card Account in the amount of {$200.00}. At the time, I was overpaying my account to ensure that I was paying off the bill in its entirety. 

In XX/XX/XXXX, I received a Macys credit card bill in the amount of $ XXXX. I had not purchased any merchandise with this credit card and could not understand where these charges originated. 

I called Macys Billing Department ( XXXX ) on XX/XX/XXXX. I spoke with a a Macy 's supervisor. During this call, it was my understanding the issue was resolved and my records would reflect that I had paid the balance in full. 

I later learned on XX/XX/XXXX that the account still reflected a balance due. I spoke with CSR, XXXX. XXXX indicated that the judgment was initially declined By judgment I assume he was referring to my prior contact with Macy 's on XX/XX/XXXX. I do not have names of the Macy 's reps that I spoke with in XX/XX/XXXX because I believed Macys was acting in good faith and that the issue was resolved. At no time was I ever called, emailed, text, or mailed any correspondence that said otherwise On XX/XX/XXXX, I also spoke with XXXX XXXX ( XXXX ). According to XXXX, she would insure that the account corrected and any fees would be waived. This was confirmed by CSR XXXX XXXX. 

After learning about my credit report on XX/XX/XXXX, I again contacted Macy 's Consumer Credit Specialist Department. I spoke with Manager, XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX. Unfortunately, neither XXXX representatives was able to give me any helpful information. XXXX ordered copies of my XXXX and XXXX statements and I must wait 7-14 days to receive this information. This is not an acceptable resolution. 

I am very disturbed about how this has impacted my credit and my financial standing! I would like this issue investigated for how these fees were generated. I would also like the negative information on all 3 credit reporting agencies removed. Thanking you in advance for your assistance with this matter. 

Thank you, 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 2023-11-17
Company: EQUIFAX, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX OF XXXX XXXX XXXX XXXX XXXX OF 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have made requests for my credit report on Free Annual Credit Report and via phone over the last few months, but Transunion refuses to either mail a report or provide access through Free Annual Credit Report. 

I've requested a copy on the Free Annual Credit Report website weekly and I called TransUnion on the following dates to request a report : XX/XX/2022 XX/XX/2022 XX/XX/2022

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 2021-10-20
Company: AppFolio, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX formally owned a property in XXXX, CT called XXXX XXXX. 

XXXX XXXX wrongfully evicted my family and I in 2019. Since then XXXX XXXX XXXX has ruled in my families favor as this being a wrongful credit reporting. Since the credit company ruled in our favor we were only made to pay {$630.00} out of the {$2900.00} we were reported for.

My family is trying to move but can not due to this report being on our back ground. We will soon be on the street if this is not rectified and have recently been denied several apartments due to this false report. Since payment has been made and the situation resolved I need this removed immediately. Please call me at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX ) XXXXXXXX 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 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 2023-04-03
Company: Diverse Funding Associates LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
DNF Associates placed a collection account, for the original creditor of XXXX XXXX XXXX, on my credit reports on or around XX/XX/2023, in the amount of {$5600.00}. Prior to this item being placed on my credit report, I had not received any contact from DNF Associates -- no phone call, no postal mail message, no email, nothing. In short, I was not made aware of this debt by DNF Associates as required by the FDCPA and FCRA. DNF Associates did not ever provide me with a notification of this debt, a debt validation letter, nor an opportunity to dispute this debt, as is required by law of DNF Associates. If DNF Associates has proof that they attempted to contact me and have sent me all required notifications and opportunities to dispute this debt, I welcome them to supply it in their response to your office. DNF Associates is also not a licensed debt collector in Washington state, as is required of them to collect debts from Washington state residents.

Company response to consumer: Closed with explanation