BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-02-19
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-19
Company: EQUIFAX, INC.
State: TX
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 am listing the following inquiries below which I never authorized and I ask that they be DELETED from my credit report due to being placed on it without my expressed consent or written authorization! 
XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute and alleged debt with NCB management services, After numerous attempts ( letter sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? under the laws of the XXXX these negative items still being reported on my credit report I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collection agency has such as a license to collect in my city or state after numerous attempts still unable to get them to verify with any official permission documents that this is indeed my debt Ive enclosed copies of my recent request to the collection agency asking them to validate this alleged debt and the receipts showing that I sent these letters certified signature requested this alleged debt is not mine and I was given no evidence of my obligation to pay. The steps to the collection agency XXXX requires you to verify and validate the items within XXXX days. If the validity can not be verified debt collectors obligated by law to remove the items. I will use the courts as needed to enforce my rights under the XXXX I look forward to CFPB protection and to enforce the law against all perpetrators and violation of XXXX laws. CFPB protect my right to a fair and accurate credit report, also if legal action taken and CFPB find such perpetrators negligent against myself CFPB called as a witness on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I originally obtained a mortgage thru XXXX XXXX XXXX, XXXX  on XX/XX/XXXX, which was subsequently transferred to XXXX XXXX XXXX XXXX XXXX  and serviced by Rushmore Loan Management Services LLC on XX/XX/XXXX. During the height of the pandemic towards the end of XXXX I requested an extension to the loan maturity and was denied. The loan was refinanced on XX/XX/XXXX by XXXX XXXX XXXX I. Based on a payoff statement by Rushmore Loan Management Services LLC on XXXX XXXX in the amount of {$280000.00} I received a robo call approximately a month later from Rushmore Loan Management Services LLC. When I called back to inquire as to the nature of the call the representative informed me that the payoff was not met and the monies had been sent back to XXXX XXXX XXXX I., because they had ran a new payoff statement and the funds was short {$2000.00}. This was not communicated to me or the title company prior to closing and the difference in charges was referred to a additional fee we discovered after the fact, when I had the conversation with the company 's representative in mid XXXX. I questioned the additional fees and was given no explanation now the bank has filled foreclosure against me adding an additional charges for the sum total in the amount of {$290000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, 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:
Remove unauthorized inquiries from Equifax Credit Report : 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 2022-02-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX I filed disputes to all 3 credit bureaus. XXXX, EQUIFAX AND XXXX. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16
Company: Synovus Bank
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed this account and was told everything was resolved on XX/XX/2021. I was told that I wouldn't receive a bill. This is now reporting to the credit bureau that this account is delinquent. This account should have never reported to the burearus because this account was never opened. I submitted the deposit and they never sent the card. Then I finally got approved almost a month later. By that time I had called the bank to report it as fraud. I received the card and I was told that the card couldn't be used because there was no money on the card. I told them to make sure to close it and I was told that it would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was paid. Ive contacted Experian, XXXX and XXXX XXXX on numerous occasions disputing this negative account. I hear nothing back. Another credit reporting agency did a correct investigation found this should not be on my credit file and removed it. I expect the same from Experian and 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 2022-02-20
Company: EQUIFAX, INC.
State: TX
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 # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
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: Account information incorrect

Complaint:
Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX and I asked for help on XX/XX/2020. I was told that I will be in the forbearance program ( attached documents XXXX, My credit report shows 13 months Mortgage payments late beginning XX/XX/2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to request an investigation on the following information that appears on my XXXX, XXXX, and Transunion credit reports. They have failed to validate the information with all creditors here in this letter and have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 
1. XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX, XXXX $ XXXX.Acc # XXXX {$3200.00} XXXX XXXX, XXXX, Acc # XXXX {$4900.00} XXXX XXXX 2. XXXX XXXX Acc # XXXX XX/XX/XXXX, {$44000.00} 3. XXXX  XXXX XXXX  XXXX XXXX Acc XXXX {$750.00} 4. XXXX Acc # XXXX, XXXX, XXXX, XXXX, XXXX 5. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX Acc # XXXX {$1900.00} XXXX XXXX, XXXX 7. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX, XXXX, Acc # XXXX {$1000.00} XXXX XXXX, XXXX 9. XXXX XXXX  XXXX {$300.00} XXXX XXXX, XXXX 10. XXXX XXXX XXXX {$2000.00} 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 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A Represnstive of XXXX took out of my band account {$470.00}. I don't have an account with XXXX. I did not Authorize for them to take this money out of my account. 

I made a one time payment for XXXX XXXX. He asked me if I could make a one time payment for him. 

XXXX tried to explain this to the merchant. They would not listen to reason. 
Capital One returned the money. Then they took it out again said that their was a contract so they couldn't do anything about it. This merchant took my money. The reason was because they kept my card on file when they were not suppose to do that. I need help with this issue. They are stealing from my account and Capital One is letting them by not giving me my money back. The bank did an investagation, it didn't help. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
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 did not consent, nor benefited from, or authorized any of the following accounts. 
1. XXXX XXXX XXXX Account # XXXX - {$2500.00} 2. XXXX XXXX  Account # XXXX - {$640.00} 3. XXXX XXXX- Account XXXX XXXX - {$84.00} 4. XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: LA
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 am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

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 2021-04-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal limit my access temporarily account for no reason and will not help me with getting it back up and going. I have provided them my identification as well. They are asking me to provide credit card statement even though I havent linked any credit card on my account. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: NFM, INC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When applying for the loan we disclosed we had childcare expenses. 

We were preapproved, and not long after we put an offer on a home and it was accepted. 

Our lender sent us disclosures the childcare expenses werent on there, when I asked him about it he said it didnt matter that they were wrong, we just needed to sign the forms to move forward, so we did. 

Well now on XXXX theyre saying we do not qualify for the loan and we would need to pay down points and debt to qualify. 

My issue is they knew about the childcare well before we put an offer on a home, and they didnt figure it in to our loan amount. 

They are unwilling to work with us, at this point weve put {$2500.00} down for due diligence, weve paid inspections and had the appraisal done. 

I dont know if they were trying to be shady about the childcare or what, but we did everything right and everything we were supposed to and I do not feel they acted in good faith. 

I feel like they purposely excluded the childcare to get a sale, and once it came down to it, they got caught when they realized they actually legally need to Include it, but instead of blaming themselves or fixing the situation theyre trying to make us fork over almost $ XXXX just to qualify. 

This is not okay, we dont know what to do. I spoke to my lawyer and she told me to contact CFPB. 

I hope someone can help us. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2023-09-22
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting my dispute and or complain to CFPB once again regarding accounts that are on my credit report that I have previously disputed as Identity Fraud. The accounts that are fraudulent on my credit reports are as follows : XXXX XXXX Acct # XXXX - {$8100.00}, XXXX XXXX Acct # XXXX - {$8300.00}, XXXX XXXX Acct # XXXX - {$3600.00}, XXXX XXXX  Acct # XXXX - {$880.00}. And also a collection account- XXXX XXXX XXXX Acct # XXXX - {$2900.00}. Some of these accounts I disputed as ID Theft fraudulent a few times and they were removed from my credit report and now the accounts have all been re entered to my account. Again, I ask of you to please remove the accounts as Identity fraud and I have once again attached my police reports which all the credit bureaus have on file and all the FTC Affidavits that I have also previously sent before. Please as this is done accordingly please send me a corrected credit report with all five of these items removed. Also, there are addresses on my credit report that doesn't belong to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. These do not belong to me so please remove them. Also, my name is XXXX XXXX XXXX and not XXXX XXXX XXXX please remove that name. 

This is affecting me negatively and is costing me alot with these issues. Please remove them. Also, I have been blocked from being able to look at my XXXX report and also Equifax credit report online. I am also continuously not able to get in touch with a representative because I was told that a special group is handling my credit report and they work selected. I should be able to look at my report any time that I want. Please fix this please I am asking again.

Company response to consumer: Closed with explanation