BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
credit report from XXXX, XXXX, and Experian/FAIR all report that I have serious delinquency Too many accounts open Too many inquiries last 12 months proportion of loan balances to loan amount is too high what are the serious delinquencies? 
loan balances are too high? no loans other than my school loan and mortgage How do I close my accounts without being penalized by credit reports

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 2023-12-12
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C.1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC. Just try.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: I.C. System, Inc.
State: NY
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:
XXXX Credit Bureau XXXX Credit Bureau Creditor : I C SYSTEM/ Original creditor XXXX XXXX XXXX XXXX  Amount : {$780.00} This unknown debt was applied to my XXXX and XXXX  Credit Profile without my knowledge. I don't know this creditor and Both Credit Bureaus. I have never done business with this company. I Have requested to remove this account from my consumer report yet it has not been corrected.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-18
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : 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 explanation
Consumer complaint received 2023-10-26
Company: Avant Holding Company, 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:
On XX/XX/2023 the company Avant, responded to my initial claim dropping all of the charges, late fees and penalties that was on my account considering I had never ever received the credit card and never had access to the account. However on XX/XX/2023 ( today ) I received an alert through my capital one account that there was a change on my credit report. On XX/XX/2023, 22 days after Avant cleared the charges from my account, the account was AGAIN reported as delinquent despite there being no balance on the account following the conclusion of the fraud investigation the CFPB conducted. I am beyond enraged, this is absolutely disgusting and despicable customer service. What is their excuse now? In their response letter they claimed they didnt cause any defamation to my credit and that there was no back and forth between myself and their agents. But the last time I spoke to a supervisor at Avant they promised me they would report to all the credit agencies that the account had been closed due to fraud and that every single charge on that account including the delinquencies were completely false. That is a verbally binding agreement which they have a recording off but refuse to provide me with. However they are continuing to tarnish my credit and my livelihood as a young person actively trying to restore their credit. I have been working to repair my credit for years and the amount of damage they have done over the last 6 months is absolutely absurd. I am begging and pleading to you as the CFPB to please help me with this, to put an end to this XXXX that I have been enduring. Theyre literally destroying any chance I will have of having good consumer credit for whichever purpose I choose to use it for. They are violating my rights as a consumer as well as harassing me with these frivolous claims. Please put an end to this, I have exhausted all of my resources battling this. I have had credit card companies revoke my credit cards which were in GREAT standing due to this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item 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 item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Resurgent Capital Services L.P.
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:
XXXX continues to report a collection from a company named CACH LLC. I have never done any business with such company and should not be reporting any debts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and 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 602 A section 2 ; it also states consumers 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 2020-09-02
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:
XXXX  and Experian have fraudulents on my accounts : XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2023-03-26
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a XXXX XXXX Chase Bank credit card and have great credit and payment history. I was denied because I had opened more than 5 accounts over the past 2 years. I currently have only 3 open credit card accounts. All others have been closed with with perfect payment history. 

There is no fine print anywhere in the application process telling me that I could have opened more than 5 accounts, but even so, I only have 3 open accounts. They say it is to prevent people from abusing the promotional deals but I have not had a Chase account in over 5 years. I believe this is discriminatory and an abuse of the credit card company that is making the offers. It is not possible to make an offer and then say, well only if you have not opened more than 5 accounts in the past 2 years. It is not stated anywhere in the application. And also my credit rating went down a few points because of the application. I would like an appeal and also a change in the business practices of Chase bank making these offers and then denying applicants without proper reason. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical Dept was settled and paid off in XX/XX/XXXX. Original date of service is XX/XX/XXXX. Receiving collection calls everyday and threatening messages being left on voicemail of being sued, wage garnishment, and higher accumulation of additional fees. Derogatory mark has damaged credit history. Many attempts have been made with WAKEFIELD & ASSOCIATES , INC. to have them remove derrogatory marks and stop fraudulent collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 explanation
Consumer complaint received 2019-04-26
Company: SUNTRUST BANKS, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Suntrust is refusing to apply payments to my account, showing that I am in default of my loan or much more late than is actually accurate. On XX/XX/XXXX, the payment for XX/XX/XXXX was credited. ON XX/XX/XXXX, XX/XX/XXXXwas credited. On XX/XX/XXXX & XX/XX/XXXX, payments on {$1000.00} each were made and were not credited to my account. Those were payments for XX/XX/XXXX and XX/XX/XXXX, thus bringing the loan current. As of today, Suntrust is holding {$2100.00} in a " suspense '' account. If they were to actually apply these funds as they lawfully are supposed to, my account would show as current. I currently only owe XX/XX/XXXX, which I will pay tomorrow, but it is not the end of the month yet so I am not 30 days past due but Suntrust is showing almost 90- days which is quite 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 non-monetary relief
Consumer complaint received 2021-08-07
Company: RC Willey
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: Old information reappears or never goes away

Complaint:
The creditors XXXX XXXX XXXX XXXX XXXX and RC WILLEY FURNISHINGS keep reporting accounts to my credit report that I have already paid off and are all XXXX  out. Please delete these accounts off my credit report and cease all reporting activities

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/, I created a joint savings account with BMO XXXX ( the online banking division of BMO ) and successfully ACH transferred {$340000.00} into this account. See attachment for account details. On XX/XX/, I attempted to ACH transfer out {$31000.00} to another bank. On XXXX I was notified by e-mail from BMO XXXX that my account was frozen. I was notified by a second email on XX/XX/XXXX  that {$31000.00} had been returned to my account due to fraud detection ( see attachment ). I called the number provided in the email ( XXXX ), but was told I must call their fraud number at XXXX. Ive called this number over 50 times, but continuously receive a message stating the mailbox is full. I contacted the customer service number several more times ( XXXX ) and asked to speak with a supervisor, but they insist my only option is to continue calling the fraud number until someone answers. I then researched complaints online and found a recent post describing the identical problem without resolution for several weeks ( see attachment ).

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XX/XX/2018 I used points to redeem a credit on my XXXX XXXX credit card to get ahead of my balance. Once I did this XXXX XXXX took me off auto pay without notification or authorization. This caused me to miss my XXXX and XXXX payments before I discovered it. The payments were immediately rectified from my end, but XXXX XXXX refused to correct the status of my account. This has led to a drop in my credit score over 80 points in the last 2 weeks. I have submitted disputes with XXXX XXXX, XXXX, Transunion and a complaint to the XXXX. XXXX XXXX has reached out twice since I submitted the XXXX  complaint but my case worker is not available when I call back. Messages have been left and I tried talking to other employees who told me they would notify her I called her back. XXXX XXXX needs to be held responsible for their unethical actions. They have thrown my current job search into chaos and I am having to explain their unethical business practices to everyone I am interviewing with.

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