BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: Experian Information Solutions 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:
The XXXX XXXX ( a/k/a XXXX XXXX ) account on my Experian credit report continues to be reported despite my numerous attempts to dispute this due to the inaccuracies in the information being reported. I hired an attorney to resolve this ( XXXX XXXX ) due to the violations of FCRA and a settlement agreement was entered that stipulated ALL reporting of this account was to be deleted from my credit bureaus. The other bureaus have deleted this account completely ( XXXX just completed their deletion XX/XX/31 ) per the settlement agreement provided in addition to the errors being reported ( date opened incorrect, sold to " XXXX '' is not correct, etc. ), but Experian continues to report this, which is a violation of the FCRA as the account is NOT accurate. I have notified Experian of this several times through the dispute process, but they continue to violate the FCRA by not deleting the obviously inaccurate account as required by law. 

Experian has clearly NOT validated this account as I have requested. This account should NOT be showing at all on my credit report. I need this deleted immediately, as I am currently being denied credit due to this significant inaccuracy. 

I am attaching the settlement agreement as well as the 3-bureau documentation showing the inaccuracies which require the prompt deletion of the account from my credit report. I am also attaching proof of their ( XXXX  XXXX ) fraudulent practices and numerous other formal complaints against this company. 

If it is not deleted promptly, the attorney I hired to resolve this issue before will be immediately retained to file suite against Experian and XXXX XXXX aka XXXX  XXXX for a proper resolution, which will include my attorney 's fees and damages incurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 filed the original complaint with you last week and I keep getting totally different emails about it I got 4 emails yesterday one said my XXXXXXXX XXXX account was closed, the next said it was moved to collections the next said that they needed more of my personal information to proceed and finish the second half then I got an email saying they have the results for my XXXX XXXX XXXX account complaint. Basically the same situation on Saturday the XXXX I had enough info on the complaint to justify removing it completely from my report but they originally said that there investigations were complete then they emailed me back saying they didnt get my uploaded documents so I called them and yes they didnt get my uploads but said the investigation was done. Im seriously having XXXX XXXX because it takes an hour to get anyone on the phone, none of them speak English and they like to hang up on you plus they dodge every question you ask and to be honest Ive been unable to borrow even XXXX $ for 6 years and for them to jerk me around and go back and fourth like this and we both know that its going to be the same if I dispute anything else with any of the three bureaus, they all help about the same which is answer the phone and that is it and it is more than difficult to stay calm with people that dont help nor talk english.. I am going to seriously have XXXX XXXX dealing with careless lazy people like this and I couldnt be more serious, I am totally fed up and I need to move on from this and I need these two disputes gone from my credit report on all three bureaus due to there inability to carry out the simplest of tasks and the dishonesty about the handling of my case. It is not ok to be treated like this and constantly give me conflicting information about my accounts and the fact that they lied to me about everything so far should be enough evidence to fulfill my request to remove these items from all three credit bureaus and since Ive already wasted 3 months Im asking for a bit of a speedy end to this little game they want to play with me thank you in advance

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a judgment against me in the amount of XXXX for failure to pay an old debt ( I believe a credit card ). I unfortunately left this go thinking it would eventually go away, but in XX/XX/XXXX the company ( Cach LLC ) that filed the judgment, garnished my bank account in the amount of XXXX and at that point I decided I needed to take action to clear the debt so in XX/XX/XXXX, I entered into an agreement with their, then debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to make an initial payment of XXXX and then 29 payments in the amount of XXXX with a final payment in the amount of XXXX. At the time of the repayment agreement, I was informed the amount to be paid would be XXXX. These payments were to automatically be debited from my bank account. The payments initiated and after the first 3 months, stopped. On XX/XX/XXXX a letter was sent to me from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX stating that Cach LLC ( the creditor ) placed my collection with this new law office but would honor my existing payment arrangement if I would contact them, which I did on XX/XX/XXXX at XXXX and spoke to XXXX XXXX who transferred me to XXXX XXXX who set up a new payment arrangement for me to pay XXXX each month for 24 months to pay the then current balance of XXXX. My account was finally paid in full in XXXX of XXXX. Upon request, I received a letter from XXXX XXXX XXXX, who was then the current collection agency, dated XX/XX/XXXX, stating my account was paid in full. That letter states that I paid a total amount of XXXX ( which is way more than the original amount being collected ). The letter also states that I can use it as a receipt for use with future credit inquiries, which I received in XX/XX/XXXX from XXXX XXXX XXXX XXXX, yet another collection agency retained by Cach LLC. This letter states I owe XXXX on the account for which I have a letter stating the account was paid in full. I called XXXX XXXX XXXX XXXX. on XX/XX/XXXX and was told to fax that paid in full letter to them which I did on XX/XX/XXXX at XXXX. On XX/XX/XXXX, Resurgent Capital Services sent me two letters stating they reviewed my claim regarding previous payments made on the account and after review they were unable to validate my claim. I am not sure if this is yet another collection agency retained by Cach LLC but I now feel as if they are harassing me and I am not sure why a paid in full letter would not be enough to validate my claim. I have paid way more to these collections agencies for this account than owed and I have not been able to settle this matter with Cach LLC through their many collection agencies, at no fault of my own. I have overpaid this creditor and they still keep coming after me stating I owe them more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Kriya Capital, LLC
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:
As I look at my report the open date on 2 account both from XXXX XXXX but are reporting two different balances under two different collection agencies. 

XXXX XXXX XXXX {$160.00} and Credence resource Mana {$290.00} These accounts also arent reporting to all 3 credit bureaus. Its been removed under a dispute but added back on XXXX and XXXX is only reporting XXXX XXXX XXXX. 

I would like these inaccurate accounts removed if I cant receive validation on these accounts are accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
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:
The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2022-11-16
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a new online savings account with Discover. On XXXX, I initiated trial deposits, originating from my Discover account, to link an external savings account ( w/ XXXX ). After verifying those trial deposits, on XX/XX/XXXX, I scheduled an XXXX transfer of {$35000.00} from my external savings account via the Discover portal. This was primarily done to meet an opening bonus requirement advertised by Discover. On XX/XX/XXXX, I could see the XXXX deducted from my XXXX account, with pending availability in my Discover account. On XX/XX/XXXX, Discover informed me that " we noticed unusual activity on your account. For security purposes, we have suspended access to your account ''. 

I tried contacting Discover 's fraud department on this issue, and after an blind transfer an agent informed me that the account was suspended pending additional verification. After multiple attempts, we managed to get on a conference call with a rep from my external bank, who was unable to provide Discover with the information they wanted due to a system outage. 

I've had a checking account with Discover since XXXX that has always been in good standing. I'm a long term customer, and there is no realistic risk here. At present, my existing checking account ( completely unrelated to the transactions described ) and new savings account remain frozen and all funds held with them, including the {$35000.00} have effectively been stolen. The agent informs me that my funds will not be released until XXXX discloses whatever information Discover 's internal fraud policy dictates and that it is my responsibility to coordinate a conference call between both banks. I have no idea how any of this is legal, but if Discover has a policy whereby they are happy to initiate large transfers of money, it seems absolutely ridiculous to subsequently hold that money XXXX and freeze all accounts that are held with them after the fact. This is especially the case when they are advertising to customers to transfer those large sums of money. If potential fraud is suspect, customers should be warned of a problem before they initiate a transfer. Critically, a customer shouldn't have to coordinate amongst multiple banks just to have access to funds that are rightfully theirs. If a bank 's has internal policies that they believe protect their bottom line, the onus to validate said policies certainly shouldn't fall upon customers. 

I just want my Discover accounts to be unfrozen. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Key 2 Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I enrolled at XXXX XXXX using federal funds and XXXX. I let the XXXX  know that I could no longer start the XXXX. The balance was paid through XXXX XXXX and XXXX. I called the XXXX concerning this several times. There was a balance due after I notified XXXXXXXX XXXX of my XXXX XXXX  status. I received a notice from my XXXXt loan servicer from XXXX showing the loan was taken out.. I had no agreement with Keys 2 Recovery nor have I acknowledged that I owe them anything. However, this collection remains on my credit report. I do not owe XXXXXXXX XXXX anything. I do not owe Keys 2 recovery anything. I do not agree with this debt collector 's actions to put this on my credit report. This also shows up as a XXXX loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Disputes were submitted to TRANSUNION on XX/XX/21 and also on XX/XX/21 to dispute the Accuracy of the information on my Credit Report regarding a debt collection company named XXXX XXXX. The Dispute Reasons were ( 1 ) The balance and/or past due amount are/is incorrect, ( 2 ) The account is settled for {$480.00}. The results from TRANSUNION for the two separate Disputes were dated XX/XX/21 and XX/XX/21. Both Investigation Results continued to report INCORRECT INFORMATION for the Balance Owed. Most Importantly TRANSUNION did not even make any mention of the Dispute Item regarding the fact that the account with XXXX was Settled for {$480.00}. It appears that XXXX and TRANSUNION completely ignored my Dispute about the account being settled. Monthly payments are currently being handled by XXXX XXXX XXXX. It is my wish that TRANSUNION will remove XXXX XXXX item from my credit report. XXXX  and XXXX  removed XXXX collections from those credit reports several months ago.

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 2022-01-03
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, Fair Credit Outsourcing ( FCO ) sent me a letter stating that my account had been referred to their agency for collection. On XX/XX/XXXX, I sent a letter to FCO disputing the debt as inaccurate and unverifiable. FCO responded by letter dated XX/XX/XXXX with a statement from XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX creditor ) stating that I owed balance at move out {$1100.00}, ( less a {$200.00} deposit ) for fees owed through XX/XX/XXXX. The final account statement under balance due states " see itemized listing of work '', XXXX there is no list attached XXXX and no signature for manager. 

On XX/XX/XXXX, FCO sent me another letter stating that your account as already or is scheduled to be referred to the 3 credit bureaus as derogatory information. I have attached a copy of a cashier 's check dated XX/XX/XXXX paid to XXXX XXXX in the amount of {$1700.00}, for the final payment owed on this account. I am requesting that the CFPB investigate this complaint and delete the inaccurate and false information from my credit file immediately.

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 2021-08-11
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We thought we filed bankruptcy on the 2nd loan which at the time was {$75000.00}. The mortgage company Franklin Credit Management never contacted us again. This past XX/XX/2021 they sent a certified letter stating we owed {$180000.00}. We tried to reason with them but they a very predatory company. We were just told today XX/XX/2021 that we could get a loan modification at 8 % with a down payment of {$22000.00}. We do not have {$22000.00}. My husband was in the hospital with XXXX. We had a loss of income and have had a horrible time in the last 18monts. The loan is 12 yrs old this timing could not be worse. I offered Franklin Credit Management {$10000.00} ( which we will get from family helping us ) and asked them re-calculate the payment. I ' am awaiting an answer. 

Please can you help us in any way stay in our home? Please. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed them without incident. You, however, seem to claim you've verified the accuracy of the information. I have talked to the furnishers and they agreed to remove the accounts from my file but Transunion has some internal block that they're claiming they can use to not block the accounts because they feel they're above the law. When I asked them why they're not accepting the dispute letters and complaints, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. So please just DELETE these accounts below : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, TXXXX XXXX, XXXX  XXXX XXXX Reference # : 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see that this bank can tell you anything and you believe it. They have not giving me all my funds. They lied to you, Government Newsen, and Congress Bill Foster, also Congress Al Green they told them they gave me all my claims which is a lie they sent my claims to so call XXXX after they falseafiy my whole account account with lies. Why are you letting this bank get away with these lies. I m letting the Congress them know what's going on and what happened to the {$100.00} XXXX that was to be paid to costumers? Because noone got the money but you Why?

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 2021-08-11
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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