BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: Synovus Bank
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
FSTPROGRESS Credit Card opened on XX/XX/2017 showing a balance on my credit report of {$150.00}. This was a secured credit card with a secured high credit limit of {$200.00}, in which I could not go over that limit, the card would decline if any purchases were made over the {$200.00} credit limit or decline if the total was more than the balance of the {$200.00}. I also did not receive my secured deposit of {$200.00} back nor was it credited to my account. 

I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and up date the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a dispute letter via Certified USPS postage to Experian consumer reporting agency on XX/XX/2021. In this dispute letter to Experian, I requested the VERIFICATION of an item on my Experian Consumer Report in the form of a XXXX XXXX  Bankruptcy " furnished '' by the US Bankruptcy Court in XXXX, New Jersey. 

I NEVER RECEIVED A RESPONSE OF ANY KIND from Experian within their legally allowed time period of XXXX, from the date of receipt by a company representative signing/stamping the USPS Certified return postcard . 

( XX/XX/2021 - Experian Company Representative : XXXX XXXX. ) It has been approximately 60 DAYS from the date of receipt by a company representative and STILL this UNVERIFIED item remains on my Experian Consumer 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 2018-09-04
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
Hello, In XX/XX/XXXX I made a payment that was past the due date, and Loancare, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing Loancare a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, Loancare took over the servicing of my account from XXXX XXXX XXXX at the end of XX/XX/XXXX just before this incident. This was a poor transition and I never received any information from Loancare instructing how payments and late payments would be handled going forward.

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Transunion continues to violate my rights under the FCRA. I am the victim of Identity theft and have complied with actions requested my TU and the financial institution that the fraudulent loan was taken out with. I have provided TU with a statement of the ID theft, ID verifying documents, FTC Identity theft report, and a police report of the fraud. 

Yet the account and late payments continue to remain on my report. Transunion is in complete violation of FCRA 605B. I have filed a police report supporting the facts set forth in my FTC declaration. This states the CRA is under a MANDATORY requirement to block this report from my credit report immediately in the receipt of a police report containing a sworn statement about the fraud. If TU continues to do so, I will be forced to consider legal action against TU as this information being on my report is a violation of my rights and harming my ability to seek 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 2022-12-07
Company: Experian Information Solutions Inc.
State: MO
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 already sent a letter to the Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from 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 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 2022-10-15
Company: Remex, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was sold to a different company. I also have medical bills from places I know I havent visited to receive treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Gordon, Aylworth & Tami, P.C.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was informed by my job that I was being garnished by XXXX XXXX XXXX Managing Attorney. I sent a certified letter. dispute letter. 
I am requesting more information on this debt. The debt collector informed me that he has no more information beside a bill from 2016, which this doesnt show this belong to me. Therefore the garnishment.need to stop until more information shows this debt belonging to me. Paper work was severed to the wrong house in the XXXX XXXX, which do not the belong to me. We have two account number that I am disputing XXXX - account XXXX in the amount of {$1600.00}. 
XXXX  account. Number XXXX {$8800.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Gordon, Aylworth & Tami, P.C.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The amount is {$8000.00}. I sent this debt collector a letter certified letter, which he received and I am requested more information on this debt. The debt collector have not sent me any more information confirming that this debt belongs to me. I am axing for my signature on this debt and other information confirming that this is my debt, which he refused to send to me on this debt. He continue sending me a bill.. nothing just confirming that this is my debt. Hes trying to garnish my work. Check now. He have not given me any information. He serves the wrong person, a garnishment paper letter from the court. I never receive anything from this debt collector. They serve the wrong house I never lived at that address. and now he is garnishing my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-07-26
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the company placed on my credit report approximately 2 years. I called them a year later, they said that the phone call is being recorded. I asked them, if I pay the full amount regardless if it's correct or not, will you delete it entirely from my credit report, their answer was yes it will be deleted, so I went ahead and paid the amount. I realized recently that it's still on my credit report showing as paid. I called them and a guy with the name XXXX de XXXX answered the phone, when was told the story he denied it completely so I told him that I was told that everything is being recorded, he replied that's correct, I told him to please pull the recordings to hear the conversation, his answer was sure just give me few days and I will have the recording for you. I called back few days later as was told, same XXXX answered the fun and at this time sounded agitated and told me to give me additional few days. I told him that he wasn't paid the legal way because he scammed me into paying without doing what was promised and want to have it either deleted or i want my money back. If he lost the recording then it's not my problem and I don't need to be mislead. XXXX then hung up the phone on me. I then went to all three buraus but they closed the case as accurate without giving me the recording.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have filled out Modification paperwork two times first on XXXX. And again on XXXX. And as of today XXXX I have not received any response from the bank. I was defrauded by Fifth Third Bank. Contacted The OIG they opened a case File # XXXX on XXXX XXXX days later XXXX at XXXX the bank went to XXXX XXXX and Removed the lean from my property, However now they are 20 months later still NO solution delaying an answer for my modification making it more probable for the bank more fees charged and interest increasing the amount to the Bank. This is a Predatory Practice and Im asking for Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CarMax, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a loan with CarMax and traded back the vehicle after 3 years. I asked them many times about the finance charges shown under account details and transaction history. I didn't get any satisfactory explanation and still wonder what it is the first and the second on the loan. After trading the car, it was done, I asked about the guaranteed asset protection XXXX XXXX and should they send me a check for it? I remember I paid it up front. A check was promised but never come. I changed my address but I also gave them my new address, and I have a mails forward as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
I previously filed a complaint with CFPB in regard to XXXX negatively reporting on my Experian credit report. Experian blocked me from filing a complaint on this account with reporting # XXXX. This account was previously disputed and updated reflecting paid as agreed on account # XXXX. This information is reporting negatively since XX/XX/XXXX which was the last update on this account. This is a old account opened since XX/XX/XXXX and still impacting my credit score 90 day to 120 day past due. This account need to be 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 2023-01-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I opened an email from my bank, XXXX, that a derogatory account was on my credit report. I went to Experian to review my credit and found a loan for over {$68000.00} with XXXX XXXX XXXX. I've never taken out a loan with XXXX XXXX XXXX nor do I currently have a vehicle with a lien against it. I contacted Experian and XXXX XXXX XXXX on Tuesday, XX/XX/XXXX to dispute this information. I have yet to hear a resolution from either of them. I also contact the auto dealership ( XXXX XXXX in XXXX XXXX, XXXX  ) where I believe my identity was used to purchase the vehicle.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$9.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$58000.00}

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 2023-07-28
Company: EQUIFAX, INC.
State: IN
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I've been battling with this company for months sending letters after letters certified mail consuming my time and energy. My stress level is through the roof I've been sick to my stomach because they have been putting me though. My lively hood is my credit and that have been running over me fraudulently with no regards on how I'm effect getting though daily life. 

Dates Of letter XXXX ( three letters ), XXXX, ( four letters ) XXXX A total of 10 attempts to rectify the issues And it all boils down too My consumer rights being violated numerous of times and my letters have been disregard with no explanation or proof of being validated Violation of my consumer rights to privacy 15 USC 1681 ( a ) ( 4 ) accusing me of having debt 15 USC 1692B ( 2 ) acquisition of location saying I owe a debt without proof documenting transactions of my credit card ( ssn 15 US Code 15 1681a ( 2 ) ( b ) Adverse actions 15 US Code a ( k ) ( iii ) and most of all this have been happening without my written consent 15 US code 1681b ( a ) ( 2 ) Until I discovered who I was a natural person.

and 120 days later I'm ready to take charge I'm tired of being harassed and accused of these reports and nothing should be reported without my written consent nor being properly validated

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 2023-04-06
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher, XXXX, failed to provide correct and accurate contact information on the consumer 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 2023-05-14
Company: Experian Information Solutions Inc.
State: NC
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:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I request you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently found out having to have my credit checked that I was a Victim of Identity Theft. identity thief used my personal information without my permission to open an account with XXXX XXXX. After sending in my Police Report and other affadavits to XXXX XXXX, Experian and XXXX and has now put this Creditor on, as Charged off as 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