BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: RI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$1500.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00}

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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$780.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2023-06-10
Company: Paramount Recovery Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX, I got an email saying I had a change to my credit score. I logged in to find my score had gone down some 90 points due to a new debt on my report. Some company called Paramount Recovery Systems based out of XXXX, Texas. I never received any direct correspondence from them. No phone calls, no letters, no email, nothing. I had to look them up and call them. After speaking to them briefly, I decided to call the hospital in which this debt seems to be for. I had some confusion a year and a half ago over a radiology bill from an ER visit in XXXX of XXXX, and I was able to get it taken care of through the help of the hospital and the Department of Veterans Affairs, which I have my health insurance through. I spoke with the hospital 2 days later, around XX/XX/XXXX, and they informed me that I do not have any outstanding debts with them. I further followed up with the Radiology billing department that is separate from the ER billing, and I asked what debt collection agencies they go through. Paramount Recovery is not one of them. They have never heard of Paramount Recovery Systems, and also told me they have not sent anything out to collect a debt from me. I called this suspicious debt collector back and informed them what the hospital said. The lady I spoke to was extraordinarily rude, and insisted I did not know what I was talking about. I asked her, " Ma'am, how do you know more about the hospitals billing than the hospital? You're based out of Texas, I am here in Maryland? '' Her response was " I've been doing this for 20 years, I know what I am talking about ''. Upon checking their reviews on XXXX, Paramount Recovery has XXXX stars and many folks who have similar stories to mine. This seems to me like a clear scam, and I am in the process of disputing this with the major credit bureaus so I can get my score fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity Theft. The loan company is called TRUIST BAN. On my credit report it said it opened XXXX loan amount XXXX. I reported it as Identity Theft. I need a copy of the original signature please.

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 2021-04-27
Company: SYNCHRONY FINANCIAL
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 disputed my XXXX credit card account with XXXX  and directly with Synchrony Bank. XXXX is stating that this account has been verified with the company but Synchrony bank is saying that they are reporting accurate information to Transunion and if I have any issues to contact XXXX. This account with XXXX account # XXXX was opened on XX/XX/2014 and was paid in full. This account was never included in a bankruptcy. Furthermore I have asked XXXX to provide me with verifiable information of what the furnisher ( Synchrony Bank ) sent to them as evidence that the information is correct and a description of the investigation procedures used to verify my account. XXXX has not provided me with that information and all Synchrony bank provided me with is the attached letter which is vague and putting the onus on XXXX. As per Section 609, I am entitled to see the source of the information.

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 2023-06-12
Company: EQUIFAX, INC.
State: HI
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 have a few accounts thats showing in my soft credit report when it was pulled and it is showing that it is open. But wen I called all XXXX credit bureau they said its showing on there end as closed and or charged off in full. Im requesting to get my report cleared and off my credit report so I can get ahead in life and make a future. I contacted the company but no responses. Im requesting to clear all open accounts thats suppose to be closed cleared and off my credit report. I will attach attach credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello. 

My name is XXXX XXXX, I am writing this letter becuase I really help. I had this 3rd party loan since XX/XX/XXXX, when I went to XXXX and decided to stop my XXXX  school and XXXX here becuase I get depress every time I open up my problems about someone hackingmy information but no one believe me. I am XXXX mom, but I work hard school me and my son day time and I go work at night since me and my son come over here in United State. I do had suspicious before XXXX someome hacking me becuase of my school account email or social media, every time I open my account always say 's wrong password. I didn't know about Data Breach XXXX, my information is compromise Anyway, my concern with this letter becuase I had this 3rd party loan from 800 loanmart since XXXX, I am paying this loan monthly since I am back here in USA XXXX XXXX with the amouth of {$450.00}. I admit I pay most of the time late for couple years. But since last year XXXX and this year XXXX. I already explain to loanmart last year about my situation. In fact in 3 Credit Bureau this debit is close. And I thought this debit is close last year. But for some reason the loanmart repossess my car yesterday XXXX in my parking. Then I call the loanmart yesterday and they transfer me to collection service. I spoke to the guy from collection service and explain to him my situation. He said all he can do is lower my balance to {$6000.00} instead of XXXX. I told him even {$1.00}, I don't this time becuase of my situation. and he said he will keep the car and sold it. Now I don't have car to go work or do anything.I am asking help this time. I hope someone can help me get my car back. Until now I didn't get any help from governments. Please I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: AR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Scheduled monthly credit card payment at XXXX XXXX  XXXX for XX/XX/XXXX. Chase added Mortgage payment to credit card online statement but instructions very unclear. In fact instruction was lengthy questionnaire for mortgage payment ca. {$840.00} due XX/XX/XXXX on refinancing of previous mortgage with XXXX XXXX since XXXX. Switched to Chase upon receipt of unsolicited refinance offer received in XXXX XXXX mistake. 
Closed on Chase mortgage loan mid-XXXX  and told initial monthly payment due XX/XX/XXXX. When we closed in midXXXX or months earlier we told closing officer for Chase to debit our XXXX XXXX account for monthly mortgage payment of {$840.00} beginning XX/XX/XXXX. 
Instead our XXXX credit card online statement added Mortgage payment due XX/XX/XXXX. But Chase instruction XX/XX/XXXX very unclear. Told us to go to Accounts and access external? and when we did there was no external accounts to access. Plus access denied both username + password on second attempt. Waited till end of day and still denied access to Chase on-line. Might add same thing happened with CFPB as asked to sign-in and received similar response : username and password denied. We are in our 70s and this is hard on us. Hope you can help us. XXXX XXXX XXXX XXXX, XXXX XXXX AR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experien signed me up for a $ XXXX subscription while I was thawing my credit. Now they say if I drop their subscription I will no longer be able to freeze or thaw my 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 2023-06-12
Company: EQUIFAX, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This letter is to make PHH aware that it has committed multiple errors that have caused me damages and injuries. PHH refuses to acknowledge me as a successor in interest. There is no dispute that my late husband passed away on XX/XX/XXXX. I have sent multiple communications making PHH aware of this. XXXX XXXX sent a letter as well. I have been injured for no less than {$150.00} as of right now. XXXX XXXX sent the letter on XX/XX/XXXX making you aware that I am the successor in interest. I have attached the death certificate, my drivers license, the deed showing I own the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
US Bank Home Mortgage stated that the payment in XXXX of XXXX  was not supposed to be counted as a late payment due to COVID-19. Furthermore, in compliance with the Fair Credit Reporting Act, this creditor has infringed upon my rights as outlined in 15 USC 1681 section 602, emphasizing my right to privacy. Additionally, according to 15 USC 1681 ( section 604a, section 2 ), it specifies that a consumer reporting agency can not provide an 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 2022-11-11
Company: Experian Information Solutions Inc.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$3500.00}

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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To Whom It May Concern : I have recently been informed that you removed and then re-inserted negative information in the file you maintain under my Social Security number. It is a F.C.R.A. violation, and i was not informed by you.Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX  Reported : XX/XX/XXXX{$2200.00} XXXX XXXX Reported : XX/XX/XXXX{$1000.00} There are no contracts, no valid claim ... accounts were settled with original creditor, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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