BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
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: Account information incorrect

Complaint:
Since XXXX my score was XXXX. In XXXX I contacted the 3 credit reporting agencies to get my score. XXXX was the only one that didn't charge. Experian and XXXX wanted to charge a fee. After I contacted them, suddenly my credit score began to drop from XXXX ( the highest possible ) to XXXX. There is nothing negative about my credit so I can't understand why the big drop. The agencies are no help ( if you can get a live person ). It seems like these agencies can make up any score they want with no explanation. Since credit is so important in our society, these agencies should be under tight control/supervision/monitoring. I'm also beginning to suspect there may be a racial component here such as targeting minorities by lowering their credit scores so lenders can charge high interest rates. This kind of thing has happened all too often in the past. 
Thanks for taking my complaint. 
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 2019-11-11
Company: EQUIFAX, INC.
State: WY
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:
This inquire is a duplicate, please delete it leaving only 1 ( XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: CT
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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 2022-03-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX  # XXXX XXXX XXXX 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 A 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 2017-12-13
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
asked for documents to prove it was my dept

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 2022-11-24
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax is mailing correspondence and credit report and dispute results to the wrong addressee. The name of the Equifax mail does not match the name of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: CT
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 appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information for the third tie now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: GA
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 am writing on XX/XX/ with a response to recent correspondence regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of the debt mentioned in your correspondence and request that you provide validation by providing the following information : 1. Verification of the original creditor 's name and address.

2. Documentation confirming the existence and validity of the debt, including the amount owed.

3. Copies of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt.

4. Verification of the license to collect debt in my state.

Please note that I am requesting the validation of this debt and not merely verification that you have my contact information, or a basic statement of the amount owed.

Until such time as you are able to provide validation of this debt, I request that all collection activities, including communication by phone or mail, cease. Please communicate regarding this matter in writing only. 
I also request that any negative reporting to credit reporting agencies be suspended until this matter is resolved. 
Please respond to this validation request in writing within 30 days from the date of receipt of this letter. Any further collection activities without validating this debt will be considered a violation of the FDCPA.

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 2023-05-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 XXXX am I received an email that a XXXX transaction from XXXX had occurred. Immediately on the morning on XX/XX/23 I took the time to call XXXX and inform them that it was not my transaction and start the process of shutting that card down and filing a dispute. The individual shut down my card however, told me he could not assist with my dispute, I had to wait for the item to post and then call XXXX. 

XX/XX/23 XXXXXXXX pm I finally took time out of my busy day ( XXXX ) to call the number provided to file my dispute. However, the process was not as easy it sounds, after trying to verify myself in their phone system and then speaking to XXXX individuals, who it was not their job and they needed to transfer me, it took XXXX plus minutes and I gave up. 

It sounds silly to file a dispute for XXXX cents and to file a complaint with the CFPB over XXXX center, but I have to wonder if they treat all of their XXXX XXXX  claims this way, do they make it difficult so you just give up. 

Well I am giving up and the XXXX cent experience is costing XXXX a customer. You see my money sits there earning very little interest ( in todays rate environment ), so my next move with XXXX will be a visit to a local branch to close my accounts and move them to a bank with an attractive offer. Had my XXXX cent experience been a pleasant experience then my accounts would have remained there costing them very little interest. I know I am not their " BIG '' depositor but I do talk banking in my circles and I will share my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My lease insurance agency is XXXX XXXX Deposit , my previous apartment complex is XXXX XXXX XXXX XXXX submitted a claim to my insurance agency, XXXX, and XXXX paid them via check on XX/XX/2023. XXXX XXXX cashed that check XXXX XXXX XXXX. So Im paying XXXX because XXXX paid that balance for me. TransWorld Systems keeps emailing me and saying I still owe about {$920.00} to XXXX XXXX and that I had to pay them to get the debt settled. The debt shouldnt be in collections in the first place. I spoke with XXXX via phone XX/XX/ and the rep told me that the account is not in collections and that they sent XXXX XXXXXXXX a check after the XXXX  submitted that claim to them. The TransWolrd Systems rep XXXX XXXX XXXX XXXX XXXX I spoke to, did not properly answer my questions in a way that I could understand and she sounded like she mumbled every time she told me that they would get into contact with [ insert mumbling here ] to get the situation resolved and I HAD to pay through them to get the balance settled. XXXX already covered the balance via check, that check got cashed, Im paying that balance off with XXXX. Im not paying {$1800.00} for a debt of {$920.00} that was settled with my lease insurance company. I was more confused after I hung up the call with TransWorld Systems. Im planning on taking legal action with XXXX XXXX and frankly, probably TransWorld Systems as well. Im sending the documents and letters to TransWorld systems to remind them of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Bread Financial Holdings, Inc.
State: GA
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:
On XX/XX/22 I checked my XXXX  credit report and found a credit card had been opened in my name. The Company which issued the card is XXXX XXXX XXXX a {$750.00} balance. The account was opened on XX/XX/22 and a wire transfer was done for {$750.00} on XX/XX/22. I did not open this account and have no idea who the card issuer is or where they do business. I contacted the company and had the account closed and asked for it to be removed from my credit report. they are " investigating '' it. I recently found it on my XXXX report as well. I have contacted both credit agency and informed them of the inaccurate information. After XXXX  days I received a email from XXXX  stating that they investigated and found the information was correct. That's not possible because I never opened the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I received the attached document from XXXX XXXX XXXX today XX/XX/XXXX. They claim my late payment occurred in XX/XX/XXXX. Their records clearly show the actual late payment occurred in XXXX of XXXX. I would like my credit to be updated with accurate information and change the late payment from XXXX of XXXX to the correct date of XX/XX/XXXX. It is not right to damage my credit now for a late payment 17 months ago. I have been working to rebuild my credit in the last year and this was an undeserved hit on my credit!!!! Please suggest the company correct this inaccurate entry. 
Please provide me with information regarding the next step to take if they are unwilling to cooperate. Would it be to involve an attorney? 

Thank you, 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 2022-06-06
Company: GUARANTEED RATE INC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The beginning of XX/XX/2022 I put in a bid for the house on the XXXX XXXX XXXX XXXX XXXX South Carolina my realtor XXXX XXXX call me and say that I won the bid I got in contact with my lender which was XXXX XXXX we talked about what all she had to do far getting things in order to close a week went by & I call to touch bases with her she telling me shes working on it as we speak and looking to close XX/XX/2022 the next week XXXX XXXX gave me a rundown on how things need to go & what she was needing from me the the 3rd week of XXXX she told me things was going when I call & text XXXX that Thursday she didnt answer my call or text nor my realtor XXXX XXXX XXXX avoided us for a day when she call she was asking for things IVE already given to her & she told me she couldnt use my XXXX XXXX housing certification XXXX which is {$5000.00} I keep asking her whyi couldnt use & why you r needing all this stuff again when I have given it to you XXXX kept coming up with EXCUSES about documentation work Verification my pay etc on Monday I call XXXX asking her whats going on she still coming up with excuses I then XXXX will I still be able to close on the XXXX of XXXX XXXX couldnt give me an answer I received a call from XXXX XXXX representative asking if I had gotten insurance elsewhere I call XXXX again asking her did she not speak with them because I emailed XXXX all the information she needed for the insurance XXXX ask if I could resend it again and I did I thing told XXXX XXXX dont think you understand you are PLAYING with my livelihood Ive Gotten everything at my apartment to be turn off on the XXXX and everything that needed to be turned on at XXXX XXXX XXXX XXXXurn on so Im spending my money and the only thing you can stay is IM SORRY. DEALING WITH XXXX IVE HAD TO pay {$150.00} to have thing turn on then had to GO back to have everything turned OFF AT XXXX XXXX & everything at my apartment turn back which I now have to spend money to stay if possible the remaining of the month that I didnt have Ive paid for inspection, appraisal and termite inspection out of my pocket XXXX waiting until Thursday @ XXXX to tell me I will not be closing on my house 5DAYS before closing & couldnt give me and answer why. She only can tell me shes sorry.I try reaching out to XXXX on Friday I ask her to call me providing my name & number I went to XXXX XXXX spoke to XXXX a Reception at the days of XXXX sreception at the Deas of XXXX s office a I call XXXX @ XXXX am she stated she was at home heading to the office waiting on the underwriter to get back in contact with her XXXX call me back at XXXX Friday saying she was still waiting on the underwriter XXXX showed no concern where Im to lay my head after XX/XX/XXXX Im stressing cant sleep nor eat because im trying to figure out where im to lay my head AFTER XX/XX/XXXX I feel like Ive been discriminated disrespected discourage and mislead by XXXX XXXX and CERTAINTY HOME LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX a collection was placed on my credit report in the amount of {$10000.00} with National Credit Systems. The original owner of the debt was XXXX XXXX XXXX, a company that owned and managed XXXX XXXX XXXX XXXX XXXX  complex where I used to live. 

At the time the collection was placed on my credit report, I had an attorney-XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX working on my case with the attorneys from XXXX XXXX XXXX . We were in litigation and no legal suit had been filed against me.

I lost my job in XXXXXXXX XXXX XXXXXXXX due to Covid-19, therefore leaving me unable to afford rent. I was also pregnant with a new baby at the time, leaving me in a horrible situation. I immediately contacted the property manager, XXXX XXXX. I asked for options on breaking the lease, re-renting the unit, payment plans, and even Illinois Rental Relief programs. I asked her to apply for the rental assistance on my behalf, as only the landlord could start an application at the time. I was informed that once the tenant application portion opened, I would receive emails with more information directly from the XXXX XXXX. I did not ever receive any emails or additional information. The complex was unwilling to work with me. I offered to settle the debt multiple times in writing through my attorney, I even returned the keys and surrendered the apartment on XX/XX/XXXX XXXX XXXXXXXX. While this entire case was still in litigation-I was placed in collections for over {$10000.00}. XXXX XXXX XXXXXXXX gave me no written notice or warning that they would be selling the debt to a collections agency and placing me in collections, no legal law suit has ever been filed against me, and the collections agency has been unable to provide me with enough information to verify the debt. Not a single one of the parties involved ( XXXX XXXX XXXX or National Credit Systems ) has been able to provide me a copy of the lease with my written signature on it. Not to mention, I called XXXX to verify whether or not XXXX XXXX ever submitted rental assistance application on my behalf on XX/XX/XXXXXXXX XXXX XXXX. The woman I spoke with confirmed that there is no application to be found under either my name, address, email address nor XXXXXXXX XXXX name, address, or email address. This tells me nothing I was told was true. 

I still have a collection of {$10000.00} showing on my report. I have attempted to dispute it multiple times. I have even contacted XXXX XXXX XXXX multiple times in attempt to settle the matter. No responses have been sent to myself or to my attorney. 

National Credit Systems and XXXX XXXX XXXX have insufficient information to attempt to collect a debt from me and to allow it to remain on my credit report unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: National Credit Adjusters, LLC
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:
On XX/XX/2019, National Credit Adjusters ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus in an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation