BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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:
I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 


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 explanation
Consumer complaint received 2017-05-08
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted regular mortgage payment plus {$50.00} for principal payment to be applied. This was a friday so the payment would not come out until after XXXX XXXX so I expected the full payment to come out by XX/XX/XXXX. On XX/XX/XXXX I called my normal bank where I hold my checking account to check if my Mortgage bank had taken the fees and payment out. they had not. On XX/XX/XXXX I filed a Research Request with my Mortgage Bank to locate any trace of them trying to take out my payment that I had scheduled, I also contacted my Normal Bank where my funds are, and they had no record of my Mortgage Bank even attempting to take money out. I have other bills, debts so the money was not going to stay in my account forever and I was trying to get the Mortgage company to hurry and take out the funds. <P/>XX/XX/XXXX the Mortgage bank tried to take the money out of my account at a much later date than i had previously expected, hence throwing off my money management schedule, and bouncing back with NSF funds because the money was NOT in my account. Now I am being asked to pay 2 x the mortgage amount and that is unacceptable! I did my part, always paying on time since I signed into this Mortgage, and I have NEVER missed a payment.

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 2020-09-22
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: Personal information incorrect

Complaint:
On XX/XX/2020 called the credit bureau to dispute inacccurate information. As of this day, the incorrect information is still on 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 2023-06-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a prior tenant of XXXXXXXX XXXX in XXXX, AZ, owned by XXXX XXXX XXXX XXXX- I moved out on XX/XX/XXXX. On XX/XX/XXXX I received an email notification from XXXX XXXX at XXXX XXXX Department notifying me of a {$140.00} outstanding balance, which I assumed was from XXXXXXXX XXXX. There was no explanation to this charge, so I immediately replied to this email ( I " replied-all '' to XXXX and XXXX ) to ask for clarification. I never received any response and never received any additional correspondence from either XXXXXXXX XXXX  or XXXX about this charge - I assumed it was sent in error and the charge was rescinded. 

In XXXX of XXXX I started receiving credit score alerts notifying me of my credit score lowering, which caught me by surprise. Upon investigating the derogatory mark responsible for lowering my score, I saw it was due to a new collections account appearing on my report, which is Genesis Credit Management on behalf of " XXXXXXXX XXXX XXXX. '' On XX/XX/XXXX I " replied-all '' again to my email I had sent back on XX/XX/XXXX asking again for an explanation of charges and demanded they cease credit actions against me- I still have not received a response. On XX/XX/XXXX I called XXXXXXXX XXXX to ask for an explanation of charges and I was told " my account is closed and only XXXX can address my issue. '' I was not, however, provided with any direct number of any XXXX employees ( despite my repeated requests ). I was only provided with a generic XXXX  number, which I called and left a voicemail with ( on XX/XX/XXXX ) where I referenced my situation and email correspondence, and still I have not heard back from XXXX. 

Please help. It feels criminal that XXXX can damage my credit score for an unpaid debt they never explained/justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX calls on behalf of American Express and I have told them in the past to call my attorney that I am filing bankruptcy with, they just called again today XX/XX/2022 @ XXXX am MST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRUIST FINANCIAL CORPORATION
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:
Inquired about being a co signer for a relative company promised for a soft pull which then added a hard inquiry and I wasnt a co signer my relative was approved on his own, they never needed me now I have all these hard inquiries.

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 2022-04-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
The end of XXXX Synchrony bank sent me an email that I did not pay my XXXX bill for {$38.00}. Upon checking my statements I saw I did and contacted them. They said they'd wave the late fees until I could prove that I had. I filed the paperwork along with a letter from my bank showing them the payment along with a tracing number. At the end of XXXX I received another email from them saying they were removing the late fee of {$29.00} plus {$0.00} cents interest leaving a balance of {$9.00}. If I paid the {$38.00} on time which I've proved that my bank says they received, Then how can I owe {$9.00} when I sent the whole amount. This is the worse bank I've ever seen.

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 2023-09-29
Company: EQUIFAX, INC.
State: PA
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'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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already submitted a complaint in which LVNV FUNDING LLC said they would remove the debt from my credit report in which they did for a week and then put it right back in the amount of {$1100.00}. Please remove this from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-09-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
Unauthorized Inquires 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 explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I send previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX, XXXX XXXX and 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 explanation
Consumer complaint received 2023-06-06
Company: CAVALRY INVESTMENTS, LLC
State: NJ
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 company Calvary Portfolio Services obtain a credit file that has my name on it but the information submitted is that of another XXXX XXXX who was in the XXXX and I was never in the XXXX... some of the dates corresponds with the time I was in the hospital and I recall seeing this about 10+ years ago at which time I disputed it. I tried calling them and the number they provided was a non-working telephone. They tried taking me to court for over {$6300.00} and when I arrived at court XX/XX/23 they never showed up and it was not on the courts calendar yet it has been difficult to have it vacated. I sent a letter to XXXX XXXX XXXX XXXX ( assignment lawyer ) but she has not responded ..they assured me she will. Meanwhile, Calvary Portofolio and XXXX ( this is not the correct spelling it's close but the other name used is located in XXXX XXXX, NJ This is not mine and I would like it removed from my credit file and charges filed against them. I did not have money to take these people to court otherwise I would have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately 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 explanation
Consumer complaint received 2023-08-04
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: Their investigation did not fix an error on your report

Complaint:
Filed FTC complaint # XXXX regarding accounts that are not mine and do not reflect a valid ID. I sent a valid ID as well as a summary of my dispute as well as a copy of my social security card. 

Experian did not do a thorough or accurate investigation into my complaint. I tried to resubmit and re-file everything again with the same documents and the FTC report and they refuse to take it. 

They are unable to validate or show how they verified any of this information as I know this information can not be verified accurately since it is not mine. I have called them several times and they will not tell me how these fraudulent accounts are verified. 

They are in violation of FCRA Section 611 to my right for a complete and accurate 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 2023-03-22
Company: DISCOVER BANK
State: OK
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:
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. 

XXXX XXXXXXXX XXXX amount {$860.00} ; Discover Bank # XXXX amount XXXX, XXXX XXXX  XXXX XXXX amount XXXX, XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX  XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, 15 u.s.c.1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A. It also states a consumer reporting agency can not furnish an 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 information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They have repeatedly violated my rights as well as the Fair Credit Reporting Act. Despite the several correspondences Ive had with them, they refuse to correct and continue to report inaccurate and unverifiable derogatory information about me. 
For one, I filed and informed Equifax and XXXX of an identity theft report in regards to the XXXX account and I also Informed them the information on the XXXX account was incorrect and derogatory and it needed to be deleted immediately. I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Reporting Act. They have allegedly verified this account several times electronically with the original creditor but never once to me as mandated by law. 
Secondly, I've actually disputed with XXXX XXXX and XXXX XXXX XXXX several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a cashier checks from XXXX XXXX and tried depositing I went to my local Bank of America XXXX XXXX XXXX XXXX XXXX nv XXXX and talked to an employee lats name XXXX. He told me that check would clear next business day Saturday XX/XX/XXXX Later that day I received an email saying they are putting a hold on it till XX/XX/XXXX Ive never had banking issues in my life This is harming me because I was using it to payoff debt now Im paying excessive interest

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am new in this country and I never have a credit card how do I get one while my credit report is missing? My credit report is missing because I have never one. Why am I being punished for being new in this country? Where should I start to get credit card?

Please in your report make the option of considering those who never have one otherwise I feel discriminated.

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 2023-08-03
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2023-03-22
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2023-06-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Adjusters ( NCA ) is attempting to collect on a payday loan debt that was initiated through XXXX XXXX a licensed XXXX XXXX XXXX XXXX XXXX XXXX in Texas ; XXXX  meaning, XXXX XXXX  do not offere loans in Texas. The loan was arranged with XXXX XXXX XXXX XXXX, my lender, in the amount of {$2000.00} on XX/XX/2022. I have attempted on several occassions to reach my lender, in an effort to resolve this matter. I noly had one loan, but on my credit I am reflecting two loans totaling {$3300.00}, especially since payments was made on this loan. I was never told about another loan for {$590.00}, when ask to provide a Note or loans agreement, no one would furnish.

Company response to consumer: Closed with explanation