BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-24
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: Personal information incorrect

Complaint:
I have sent several letters in writing asking for corrections on my credit report with Equifax. I have ask Equifax to remove address that are obsolete and incorrect. I have asked Equifax to correct the information regarding my address and employment information. I am not self-employed or retired. I am XXXX  XXXX and have been for over 10 years now. I have sent proof that I have had identity theft and I I have not received any updated letter or email correction of that information. I am login to the my.equifax.com website with out receiving an error message several times before being able to reach my report screen. I have only been able to reach a customer service representative once early this year in XXXX or XX/XX/2020. I have been disputing information the information on my credit report via online and in writing for seven months and they only keep returning that the information is valid and not removed the incorrect information. They have not provided any variable information to me only an update online when I am able to get to my report screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I keep receiving text messages from random numbers saying my bank account has been temporarily blocked from 5/3 bank. I dont bank with 5/3 bank. They spell it fifth/third or theyll spell it 5/3.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
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:
Certain accounts on my credit report have been connected to identity theft without my explicit authorization, including my signature. I've previously raised this issue with your organization and am now making a formal request for the prompt removal of these accounts from my report. Their presence has led to substantial emotional and financial distress as they inaccurately reflect my credit history and responsibilities. If this matter is not adequately addressed, I am fully prepared to take legal action to safeguard my rights and seek a resolution. These fraudulent entries on my credit report have impeded my ability to achieve critical financial objectives, such as homeownership and providing for my family.

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 2022-10-09
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a consumer as defined in federal law 15 U.S. Code 1692a ( 3 ). On XX/XX/2022, I discovered that a debt collector, LOUISIANA RECOVERY SERVICE INC, whose business address is, XXXX XXXX XXXX XXXX XXXX, XXXX, LA, reported to XXXX, XXXX, and XXXX, that I owe {$1600.00}, and {$2200.00}. This has damaged my credit significantly. LOUISIANA RECOVERY SERVICE INC purchased these accounts from XXXX XXXX a company that kidnapped me ( handcuffed to a stretcher ) and hauled me in an ambulance ride 1.5 hours away to another city, violated my God-given and unalienable rights, committed identity theft, insurance fraud, and theft when they took my U.S. Passport XXXX without my consent. At no point, did I ever relinquish my rights or provide consent to XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: AR
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:
This creditor is reporting inaccurate information about the account status. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 5 16815-2 ] ( a ) Duty of Punishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting infor actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate! 
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( D ) Definition. For purposes of subparagraph ( A ), the term " reasonable cause to believe that 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 2021-01-04
Company: SYNCHRONY FINANCIAL
State: MI
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:
I have filed complaints regarding incorrect account information being reported on credit file by Synchrony/Lowes on XXXX and XXXX in an attempt resolve this negative item being reported to the Credit Bureaus. This will be my 3rd attempt to resolve this concern. The responses that I have recieved from both XXXX XXXX and XXXX XXXX ( Senior Specialist Corporate Consumer Relations representatives ) has been insufficient and unverifiable. Both responses include account statements and a letter from XXXX XXXX XXXX as proof that this account is correctly being reported on my credit file. Statements are not validation of debt, and a letter provided from XXXX XXXX XXXX with no signature from me claiming a payment resolution on my behalf is also not validation. You have failed twice now to resolve this issue after I have provided ample documentation that proves this account should be removed from my credit file. First you have failed to report to the Credit Bureaus that the account was disputed to which I provided a copy of my credit report, secondly you incorrectly reported the balance of this account. I am now providing a copy of my credit report that shows a difference in date of last activity being reported to both XXXX ( XXXX ) and XXXX ( XXXX ) on your behalf. I clearly have shown your failure to 100 % accurately report account information to my credit file per the credit reporting bureaus.

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 2019-04-09
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Our car loan was originally with XXXX XXXX. XXXX XXXX sold the account to Mid Atlantic Finance Company. Since the transfer, we have had the following discrepancies : 1. Balance due from transfer is in question.

2. We have requested a statement or some document showing how they are calculating interest to determine amount owe, including any past due amounts and have been denied.

3. We get 3-4 collections call per day from someone named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting an inaccurate account on my credit reports that I have been disputing for some time now. This account is reporting open but there have been consistent late payments reporting each month when the monthly payment for this account is showing as {$0.00}. How is the account late if there is no monthly payment owed? Further more, there are reporting that payments were captured in the same month that the account was late. How is this possible if there is a monthly payment of {$0.00} and if there was a payment made how can the account be late? It is the responsibility of the consumer reporting agencies to report accurate information and conduct a thorough investigations into disputes and this has not been done. The inaccurate and inconsistent reporting of this account has caused so much distress and for me to be denied when I am at no fault. The consumer reporting agencies are in violation in reporting this account per the FCRA and I am demanding that this account is deleted from my reports!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
emails are sent saying payment is not current and more interest is added before next payment .most recent email past week or so. contacted fdic about company and was directed to this number as the company is not a member if XXXX  when i thought all credit companies were supposed to protect funds especially during pandemic times. i dont feel like naming this company online yet because i have also tried to contact other legal services in my state. i have still paid a payment every month even with the pandemic and dont see any balance change. i also received a letter in the regular postal mail that said they are not accepting written documents for communication purposes. this was received this week in XXXX XXXX something is very wrong with this i can send a copy of that letter if necessary. i cant resolve this issue by telephone only! please refer me as nessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Zip Co US Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I returned the items that i had gotten a ZipPay pay in 4 advance / loan with {$4.00} to pay back in every payment I believe. They started tacking on fees not owed after an item was returned to the store and are adding on more and more fees that arent valid. Predatory debt and loan collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an unauthorized charge through Paypal. Paypal failed to assist me with the fraudulent charge. I have tracked down what I can regarding the charge from Paypal and emailed the merchant who charged my card to which she claims that they never charged my card. Paypal has not been any help to this charge initiated by them. I emailed XXXX several times. I have attached my email correspondence with her and the information that I received from Paypal. I never placed or received any orders for {$360.00} just as XXXX at XXXX XXXX XXXX has stated back to me via email. It makes no sense because her email is XXXX XXXX but she claims that her website closed in XXXX but will check with the person regarding them charging me on XXXX  ( XXXX ). I reached back out to XXXX again today to which she claims that " the girl '' contacted me on XXXX. No one contacted me. I have asked several times who is the person who runs the site and who is it that charged me. This claim is not valid as nothing was delivered to me. This is a total scam and Paypal did not due any due diligence in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
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:
I received an updated credit report on XXXX. Upon reviewing my report I found some negative and inaccurate information on my credit report. I sent multiple letters off on XX/XX/2023 asking for these accounts and my report to be investigated and updated via certified letters and after 90 days they still had not removed or updated the accounts. I then sent out more letters in XXXX, asking for a re-investigation and for inaccurate and unverified accounts to be removed. I don't know if the credit bureaus are working on their jobs, or just blatantly refusing to obey the FCRA, but this is a complete violation of my rights as a consumer. I am by law entitled to a complete and accurate consumer report, and ALL information on my credit report MUST be COMPLETE & ACCURATE. After receiving a new and updated report, I noticed that most of my information is a complete violation of 15 USC 1681 and the credit bureaus have not followed the procedures required by law. I would like this information removed from my credit report immediately. It's clear the investigation took longer than 90 days, or never took place at all. I just want to know how these accounts are verified, updated or accurate if the information is still showing up this way. Please resolve this issue for me. 

Tracking Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Experian- 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 2021-01-05
Company: EQUIFAX, INC.
State: AZ
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:
In the month of XXXX Equifax dropped customers credit score by 40 points. The reason given was no change in status. Please have someone look into this I have called the company with no results. I have spoken to 10 other people who credit scores range in the XXXX 's and are now in the XXXX 's. And there was no change in their status as to why that occurred other than from time to time we change our algorithms. 
Totally unacceptable. We are maintaining a good payment history and we are being penalized for no reason. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received several letters in the mail inquiring on medical debt owed. There was not enough information on the statements verifying that these were accurate. Attached are the reference numbers and amounts owed with dates. I started a new job on XX/XX/XXXX and there was a lapse in my insurance. I found out I was XXXX  and got several XXXXXXXX XXXX done, but those were paid. I had to get emergency XXXX on XX/XX/XXXX and I believe the {$510.00} bill is part of that but I am set up with an automatic debit of {$44.00} for that. I also have a {$7000.00} bill through XXXX XXXX for the remaining costs of the XXXX and am set up with an automated debit of $ XXXX. 
. 
Reference XXXX XXXX XXXX XX/XX/XXXX {$190.00} ( I was fully covered under my insurance through XXXX in XX/XX/XXXX ). 
Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$37.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX  XX/XX/XXXX {$24.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$33.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} ( If this is through XXXX I have applied for the financial assistance program through the XXXX XXXX and they agreed to pay 60 % of the bill. An automated debit comes out of my account on the XXXX of every month for {$44.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting a repossession on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!

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 2021-01-04
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Every two weeks since XX/XX/2020 I have received a text message from RP Funding asking me to call or text their office to learn more about their mortgage products. I requested that they stop texting me on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, and also told them that I would report any additional unwanted texts to the FTC on XX/XX/2020. However, RP Funding will not stop contacting me regarding a mortgage application. 

For what it's worth, I purchased a house in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a loan officer. On or about XX/XX/2020 my borrower was told by the builder/seller that if he used their lender he would receive a {$5000.00} closing incentive. He was told he would not get the incentive if he used his own lender. Naturally he used the builder/sellers lender. Her name is XXXX XXXX, NMLS number XXXX. She works for Loan Depot. Address : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, California XXXX. I have supporting documentation consisting of the Loan Estimate showing the seller credit and the purchase contract stating that the incentive is only good if my borrower used the builder/sellers Loan Officer XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
While doing lots of investigating about a lot of inaccurate things on my credit report because I currently have no negative or bad accounts. But I couldnt figure out why I keep getting denied credit and the reasons being, I have too many unpaid accounts, I have charge off and late payments. Confused because I have ZERO! I look over my credit report and I notice accounts that should not be on the report. While still investigating I an subscribed to many credit report programs. As I carefully look through them I discover XXXX, trans Union and XXXX have information reporting differently, sharing and supplying derogatory accounts, charge off accounts, chapter XXXX court ordered discharged accounts and discharged debts that only give the remark as bankruptcy.

I will open another case with those accounts separately. But this one particular account from XXXX XXXX XXXX XXXX caught my attention. I opened an account with the bank around XXXX ( not real sure ) I was with the bank for years until I filed a bankruptcy and the account was closed around XXXX. And that ended the relationship with that bank. Well unknowingly all these years, 13 years later this bank has been fraudulently reporting derogatory and charge off reports. The bank has it I opened an account in XXXX, I never ever went back to the bank! NEVER! They are even going so far as to fraudulently report I made a last payment! They have been doing this for a very very long time. There is absolutely no way they should be allowed to do this to ANYONE! That account has been closed for many many years well exceeding the 7 years even if it werent in a bankruptcy. Its a lot of fraud going on and a lot of lying, re-aging decade old accounts and even updating account information. I have not had any kind of contact with this bank in so many years. Not a branch visit, no deposits nothing. There will be legal action and I am seeking damages for fraudulently reporting. When the debt is well over the legal statutes of limitations for collecting or reporting! They couldnt show one single transaction from myself at no time in the past probably 10 years! I want them exposed and I want justice for all my credit denial letters!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation