BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PROFESSIONAL CREDIT SERVICES, ACCOUNT NUMBER  XXXX  HAS put this account as a collection account for emergency  medical service  s r eceived at  XXXX   XXXX   XXXX , the original creditor.At the time of service I was covered by  XXXX  which I informed the  provider.The  government insurance plan covers all emergency services and I should never have been billed and never been subject to collection action which has damaged my credit standing by wrongfully placing and publishing this debt on   XXXX     XXXX   and   XXXX   c redit bureaus.The   service  occurred in early  2015,   possibly  XX/XX/XXXX / XX/XX/XXXX .I have Previously communicated through the credit bureaus telling them to remove the item from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically

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 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Comenity Bank stated to C.F.P.B.the bank noticed all credit bureaus to update or remove the account.all but XXXX  on XXXX reported to me by my credit report that the account ending # XXXX and # XXXX by comenity XXXX XXXX and XXXX XXXX is reporting as a due debt.with the old federal forgiven background on them and with two new account numbers on them XXXX XXXX XXXX XXXX with a charge off balance of $ XXXX XXXX XXXX XXXX XXXX  with a charge off balance of {$410.00} -default accounts reporting only on experian the proof of the accounts is sent by certified mail as of today, by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, To whom it may concern, my issue is with TransUnion. I've tried for months to dispute student loan accounts reporting on my credit report that aren't mine and were apparently reporting on my credit profile since 2009. 

I told them that these accounts aren't mine and to please send me documents on to how these accounts belong to me and to basically verify that there mine. They have yet to do so and it's been well over 30 days since I sent my last letter and I'm yet to receive anything. 

They are supposed to report only 100 % accurate verified accounts. I pointed out several times that these accounts aren't mine and they are yet to provide me with information showing me how they are. I called them a few times and still nothing. 

They clearly don't care because they aren't responding back to my letters and don't care that they are also violating my rights under the FCRA. I am beyond frustrated and I'm ready to sue them also. Please help me if you can.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Unverified Accounts Reporting to my credit report. Statue of limitation 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 non-monetary relief
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: UT
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 fallen victim to identity theft, and I am submitting this complaint regarding the presence of fraudulent information in my credit reports. The following items are not associated with me, and I have neither received any funds, goods, nor services as a result of identity theft, nor have I authorized them. The XXXX, Experian, and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC Sections 1681i, by persistently reporting unverified information without providing any proof within the legally allotted time. This reporting is unauthorized. Please find below the specific items that are being reported on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit.

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 2021-02-17
Company: Commonwealth Financial Systems, 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:
Commonwealth has reported an account on my credit as being from XXXX. I have been disputing this account multiple times. This needs to be deleted off of my credit report. This is an old medical bill from XXXX, not XXXX as they have it listed. When this first reported, I had no idea what this was for. I never received any bills for this claim. It just showed up on my credit. Since learning of this I have investigated and disputed this matter multiple times. This was my son 's medical bill which he was covered with Georgia state Medicaid insurance during this time. I provided this proof to this collection agency. I also spoke to a Medicaid  claims representative and they stated they never even received anything for a bill. The representative also stated I wouldve never been billed for this or been left responsible since he was covered by Medicaid. After one of the many times I disputed this with the credit bureaus XXXX, XXXX  and XXXX  and made a complaint with the CFPB, the Commonwealth rep said they needed me to verify he had the medical coverage. I have since provided this documentation to commonwealth and all 3 credit bureaus. I requested a confirmation of receipt of this email yet never received anything. They have not followed up and given me any information. I have called multiple times. Commonwealth has fraudulently reported this and not even following up with be trying to take care of this matter. Please remove this off my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Ready Capital Corporation
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, The company forged my name on a home loan that was not made and falsely inserted a middle initial O.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2022-06-14
Company: Kinum, Inc., Indianapolis, IN Branch
State: MD
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
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:
Please investigate thoroughly the accounts that I disputed. I dispute XXXX XXXX, number XXXX. This account was closed on XX/XX/XXXX however it's showing delinquent activity after the closed date. Your procedures have allowed this since XX/XX/XXXX and this has been highly damaging to me. I want this account deleted.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2019-10-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1 ) Received A " Committment Letter '' for refinance of existing mortgage from Ditechz XXXX Loans on XXXX 2 ) Committment Letter contained the foillowing terms : a ) Discount points/Origination credits : 0.3750 % b ) Commitment Expiration Date XXXX 3 ) On or around XXXX XXXX XXXX, a Ditech representative who acted as my loan processor and provide me instructions on the paperwork flow and signing instructions sent an : Adversary Letter via email saying my loan was denied because I did not meet the conditions. 


4 ) On or around XXXX XXXX XXXX, Ditech manager called me via phone and after hearing my complaint against XXXX XXXX, stated she was in need of additional training, the Adversary Letter would be withdrawn and I would be assigned a new loan processor. 

5 ) A new loan processor was never assigned to me or contacted me from XXXX up until today XXXX. 

6 ) Numerous attempts to reach Ditech about my loan documents via email to XXXX XXXX, XXXX who is listed as the contact person for my loan has been unresponsive. 

Ditech Mortgage Loan contact phone rings constantly with no pick up and when their is a pickup, the line goes straight to busy signature.

7 ) On XXXX discovered on-line at Ditech XXXX there was several closing documents to complete my financing waiting for my signature on XXXX, XXXX, XXXX, and XXXX. 

Each document penalize me for not signing the documents by increasing the points from its XXXX XXXX 0.3750 % to a ) XXXX - 1.850 % b ) XXXX - 0.975 % c ) XXXX - 2.150 %

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 2021-06-04
Company: EQUIFAX, 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:
Upon reviewing a copy of my credit report I see an entry listing that is fraudulently reported. It is a violation of a Congressional findings under FCRA 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
UAS connect loan service took a payment out of my account on XX/XX/XXXX in the amount of {$1100.00}. As soon as I realized, I called them on XX/XX/XXXX to see what was going on. They wouldnt immediately tell me over the phone why they took that amount from my account, and they kept telling me that they would send me an email in a few days explaining what happened. I had to get seriously upset for them to look into the issue and tell me what was going on with my account. I also got notice long ago that this loan was going to be transferred and included with my other student loans with the Department of Education, and I did notice an increase to my balance with the Department of Education, which is one of the reasons why I was so confused. 

The phone resulted in the man telling me that UAS took one of their last automatic payments of $ XXXX in XXXX. Then for no known reason the payments stopped. And I thought it was because the loan transferred over to be combined with the department of education. The next payment they took out was {$40.00} in XXXX of XXXX. Finally in XXXX they took out {$1100.00}. I was told that the {$1100.00} was taken out because it was the amount due on the account which is what the automatic payments are set up to do. I was also told that my XXXX loan with XXXX is a private loan and that they werent under the same federal rules of loans being paused because of the corona virus. I was also told that yes, this loan is supposed to be transferred over with my Department of Education Loans, but the transfer is still pending. My question is, if that is the case, why did they stop taking the automatic payments out in the first place? 

I never received a single email or notice that I had anything past due on this account. I also never received notice that they would be taking that much money out of my account at once. I have filed for reimbursement over the phone with them but havent received promise that they will pay me my money back. I also called my bank and asked them to stop the payment on the account. I imagine if this happened to me that it is happening to other people, and it is extremely unfair. I dont know how I am going to pay my rent if I dont get that money back. Its also almost XXXX, and now how am I going to afford gifts for my family? I would really appreciate any help I can get with dealing with such unfair treatment. It truly feels like they robbed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have XXXX debt in my life. I have always paid all my bills on time and in full. i checked my credit as well, and I'm clear. And no letters in the mail. And all of a sudden, the past 3 weeks, I am receiving a call everyday from united collection bureau from # XXXX. And they say to call XXXX. They never say my name or specifics. Scam! Please help me to get them to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}

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 2021-09-17
Company: EQUIFAX, 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:
Equifax has violated my rights under the FCRA and FTC Law. I have been trying for over 60 days to have the unauthorized inquiries remove from my credit report. Based on the laws, all information on my report must be accurate, no errors and verifiable. Equifax has not provided any evidence or proof. The inquiries attached to this complaint must be removed immediately. 

I am requesting CFPB to force Equifax to do its job and conduct a proper investigation to include producing proofs that these unauthorized inquiries were authorized by me. Please see attached evidences that I have been trying to work with Equifax by sending several certified mail requesting their verification of these inquiries. 

My next step is to bring this case to small claims court.

Company response to consumer: Closed with explanation