BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: Financial Assistance Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Agency : Financial Assistance Inc. 
Type of disputed information : Move out charges of {$1100.00}, which is bogus and unsubstantiated Dates associated with item being disputed : XXXX After moving out of the apartment complex, the Landlords falsified damage charges and refused a refund of security deposit. The move-out sheet, filled with pencil, was fraudulently signed and dated by the landlord where the tenant ( myself ) should have signed. This was done after multiple attempts to reach the landlord to schedule a move-out inspection. In addition to withholding the {$400.00} security deposit, the landlord charged an additional {$910.00} for alleged carpet damage. Not only were the charges unsubstantiated, they were illegal according to the Revised Code of Washington under the Residential Landlord Tenant Act. 
After reviewing the supporting documents received on XX/XX/2018, it is apparent that the total charges did not provide reasonable evidence of claimed damage during my tenancy. Therefore, I formally disputed these charges and interest incurred. 
The photos provided from the creditor were all referring to routine housekeeping charges, which according to the move-out report and receipts, accrued to {$130.00}. There is no proof of damage done to the carpeting, which I was being charged {$910.00} to replace. 
I have discussed the inconsistencies in the move-in /move-out report with the creditor in the past, as well as the inconsistencies in their written and verbal communications. I have also indicated that the {$400.00} security deposit has been unlawfully withheld. 
The {$400.00} deposit was unlawfully withheld because no move-in checklist was conducted. As per the Residential Landlord Tenant Act, ( RCW 59.18.260 ), a checklist specifying the condition of the unit must be signed by the landlord and tenant upon commencement of the lease. Because no move-in inspection was conducted, the landlord had no right to assume damages were from my two year tenancy. After multiple requests, no photographic proof of alleged carpet damage was provided. The collection agency, Financial Assistance , Inc. also failed to provide any proof of carpet damage. Not only was no photo evidence provided, the landlord and collection agency couldn't provide any receipt validating the need for carpet repair. Financial Assistance Inc, did not even do the bare minimum to make sure the alleged damages existed, and instead went on the word of the landlord that hired them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRUIST FINANCIAL CORPORATION
State: NY
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 never applied for any Auto Loan

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: AES/PHEAA
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:
On XX/XX/19, filed a dispute with XXXX regarding the XXXX XXXX  payment history not reporting correctly. On XX/XX/19, XXXX  sent results stating the investigation was complete and they verified with the XXXX   XXXX that the data was reporting accurately as " in deferment '' However, XXXX refuses to report those months as " current '' on my credit report. 

I called XXXX XXXX  on XX/XX/19 and requested a letter that would include the payment history. I was told that the letter would take several weeks to receive. XXXX XXXX verified via phone that they submitted the data to the credit bureaus for the months that I was " in deferment '' as current. 

XXXX refuses to update my credit file. I am still awaiting the letter from XXXX XXXX to send to the credit bureau and will forward the letter from XXXX XXXX when I receive it. If XXXX does not update my credit file, I will exercise my rights to file a law suit against the company for inaccurately reporting this account on my credit file. 

I am attaching a letter from XXXX XXXX regarding the forbearance letter stating that interest is still accruing on my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never gave written authorization to have my credit pulled from these agencies.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX FXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX U.S.C 1681 Section 602 A. States I have a right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: NY
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed again these inquiries for accounts I never requested to open. These are fraudulent and the first investigation for my complaint was a failure. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Sentry Credit, Inc.
State: LA
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:
Ive contacted them about this issue before. I got no response. this is harming me from getting a apartment. I asked from any documents besides a Id and to see my signature or anything that supports this being on my report no response.

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 2023-02-16
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: Account status incorrect

Complaint:
Ive sent letters out since XXXX until now, no changes have been made, i will provide documentation below indicting the letters that i have been sending with no reply back.

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSNXXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX 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 accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1200.00} XXXXT XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$150.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX {$250.00}

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 non-monetary relief
Consumer complaint received 2023-02-16
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 am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: TN
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:
As per mandatory by the FCRA 611 ( 15 u.s.c 1681 i ) consumer reporting agency shall notify the consumer of the REINSERTION in writing not later than 5 business days after REINSERTION.I WAS NEVER NOTIFIED OF THE REINSERTION!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Violation of The No Surpise Act!

UNAUTHORIZED INQUIRIES THAT WAS MADE WITHOUT MY CONSENT! 

XXXXXXXX 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 2018-01-13
Company: Mutual Management Services LLC
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:
In between XX/XX/XXXX-XX/XX/XXXX, I stayed in an apartment complex by the name of XXXX XXXX XXXX..I moved out in XX/XX/XXXX-XX/XX/XXXX, I cleaned out and left everything in good standing condition and was told by the manager at that time i would receive my deposit back..I recently started working on my credit and noticed that they have me in collections, I have tried on several attempts to dispute this and each time the results are that " I owe this amount ''. I went into the office in XX/XX/XXXX and spoke with the leasing manager and she said she didn't see how i owed anything and that according to her ledger the complex owed me ( which would be the deposit that the previous manager said i would be getting back ) so she was going to contact the corporate office and for me to come back in 7 days. I went back a couple of months after that and there was new office staff, so I discussed this issue again with new management and was told that she didn't see any reason why I would be in collections because she didn't see one listed and that my file was no longer in the office, so she took my information and said that she would be contacting me. I have yet to be contacted every time I try and call the office I am told the same thing someone will contact me..I know i could possibly not owe this ( 1 ) because I was on Section 8 at the time and when you're on Section 8 before you move to any other property or house you can not have a balance, and my Section 8 paperwork was signed off with a XXXX balance and no property damage. If you could please look into this it will be greatly appreciated, I am trying to remove this off my credit so I may continue to clean my credit and obtain a good credit standing. The amount they're saying I owe is {$2300.00} and also they have this debt listed as JOINT, but it should be Individual because I was the only one on the lease accept for my kids. 

This is the company info : MUTUAL MANAGEMENT SERVIC  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX My Name is XXXX XXXX and the address at that time was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
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:
these accounts in the attachments that i am disputing do not belong to me. they are caused by identity theft/fraud. you all are breaking the law per 15 usc 1681b. I did not authorize you all to furnish any information let alone WRONG INFORMATION AT THAT!

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 2021-06-30
Company: EQUIFAX, 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:
There is one account on my credit report that does not belong to me I have not opened used or know what this is I need this off my credit report ASAP!!! This is not my account XXXX XXXX XXXX - Account # XXXX Amt {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase from XXXX where I was buying a prep course on XXXX XX/XX/2017 in the amount of XXXX. The course was not as described and I provided documentation ( emails ) from the vendor describing the total price of the course and the purpose of the course. Following this review class, XXXX significantly updated the class since it was horrible. So I attempted to dispute the issue with Chase, but the vendor said I only purchased books. I provided additional documentation that I already purchased the books and Chase denied the charge back. I have made several attempts to get my money back but neither the vendor nor Chase is reviewing the documentation. Chase should have reviewed the information I provided. Why should the customer be responsible if the company sells a product but delievers a different one. Then they dispute what they sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They won't release our funds and since the XXXX of XXXX the have said that they are aware of the issue but it is now the XXXX. My bill are late now and my insurance got cancelled because the EFT bounced. They are not giving a temporary credit or any other resolution. Customer service just tells you to keep trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Synchrony Bank is cheating customers. I agreed to an 18-month interest free credit card with the first payment due on XX/XX/XXXX. XXXX would be my final interest free payment. 
At XXXX XXXX  on Saturday XX/XX/XXXX I received an email stating I owed {$5200.00} of interest! It was not disclosed to me that the interest from day one would be applied on the total balance NOT the balance due. 

I intended to pay my balance of {$2400.00} on XX/XX/XXXX. I could not get into my account. On Saturday XX/XX/XXXX I could still not get into the account. I tried changing the password and the software kept indicating that they could not find my user-name. I telephoned and was able to make a payment of {$2500.00} and verfiy that I had the correct user name. The following day the morning XX/XX/XXXX I had no problem logging into the account. The user-name and password worked just fine on my first attempt. I have a screenshot of the software not permitting me into the account. 

They intentionally blocked me from making the payment so they could collect {$5200.00} of interest. The fact that I would owe interest on the full amount originally charged was never disclosed to me. The salesman repeatedly said it was interest free for 18 months. The most a consumer would expect is interest on their balance due. 

Synchrony Bank has closed my account and ignored me otherwise. They send automated bills for the interest due. I sent them a letter on XX/XX/XXXX. 

Please investigate Synchrony Bank Promotional Programs. This was deceitful, misleading and malicious. Their attempt to block me from paying is unconceivable.

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 monetary relief