BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: RI
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:
On XXXX I XXXX XXXX the consumer, received correspondence from complaint # XXXX sent from EQUIFAX dating XXXX ; EQUIFAX conducted an investigation on my consumer report & found the accounts in my dispute to be inaccurate and unverifiable ( see attached file ). In correspondence EQUIFAX made clear I have the right to request the description of the procedure used to determine the accurateness and completeness of the information ( see attached file ). Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation. According to FEDERAL LAW, this must be sent to me within 5 days upon receipt. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the inaccuracies in the incomplete information. ( Example : Contract, audit trail, failing to have my written permissible purpose ). According to FEDERAL LAW, this must be sent to me within 15 days upon receipt. Furthermore EQUIFAX knows or should know that pursuant to 15 usc 1681a ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is OBTAINED through PERSONAL INTERVIEWS with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. HOWEVER, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Im now requesting EQUIFAX provide me the name ( s ) of the person who theyve interviewed on my behalf to discuss my non public information to conduct the investigation and determine the investigation results. This is VITAL for me to know. Im a victim of identify theft and need to take necessary precautions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NC
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:
There are inquiries on my credit report that are not mine includingl : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-07-28
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I moved out of my apartment, I requested a walk through on XX/XX/2019. The manager literally took out a piece of scrap paper and wrote only the oven needing cleaning. I did not sign any confirmation of final damages and neither did they. I asked her if I could have a copy of the scrap paper she wrote on and she stated that she couldn't make a copy because the " office was being remodeled. '' A few weeks later I received a bill saying that I owed {$700.00} for bogus charges with no proof. XXXX ended up keeping my {$500.00} initial deposit that I gave when I moved in, so if anything {$500.00} minus {$700.00} should be {$200.00}. XXXX  even put the total amount owed on my credit report ( which is incorrect ) but I DO NOT OWE. My apartment was left in pristine condition, actually cleaner than when I moved in as the apartment looked like it just had a run over clean, floors were dirty, all the electric plugs had build up of years of grime on them ( which I made them clean later ) there was even a mildew stench and muggy feeling in the apartment, find out, there was a pipe leak in the wall. I even thought, how can maintenance not even feel how muggy it is and not smell that smell?? Water came leaking through my roof in the bathroom and water leaking out in the hallway coming from the attic where the air conditioner vent is. This goes to show how they do not even maintain their apartments correctly. All XXXX is out for profit at tenants expense. Because this report is on my credit, I am unable to rent a place because the landlords at which I apply, see this owed and deny me. I am asking for XXXX to do the right thing and remove this charge from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Regarding Experian ticket # XXXX : Addresses where I have lived : XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Occupation : XXXX XXXX XXXX XXXX XXXX My credit report must be accurate because it has an impact on my livelihood.

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 2021-07-28
Company: Experian Information Solutions Inc.
State: MA
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 letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$1700.00} or my account was charged off {$1700.00} ]. COLLECTION # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ] XXXX XXXX. # XXXX  which you claim, I owe [ {$1000.00} or my account was charged off {$1000.00} ] This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct. 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable 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 non-monetary relief
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from my 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 2022-03-05
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was am under the Public Loan Forgivness program. I have been in public service for more than 10 years. I was given advice that I was on the correct plan and that my zero payments based off of income would have qualified me for Forgivness. However, this is not the case. I have over years of non qualifying payments as I was put in a forbearance plan. The max is 3 yet I have over 7 years. I am not counting my bankruptcy which they always seem to point to. I am counting the years before that. I have attempted on multiple times for them to address this and they keep pointing back that i was in forbearance or bankruptcy. Again the max is 3 years. I am asking that these years that were in forbearance be converted to qualifying payments based on the fact that I would have qualified for zero payments during this time and had my student loans forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2018-01-24
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper ( formerly Nationstar ) sent me advertising materials about purchasing a home protection warranty, which I agreed to because they said they could pay the monthly premiums directly from my escrow account. The policy went into effect on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( the home warranty company ) that my policy was being cancelled due to non-payment of the monthly premiums. I immediately contacted Nationstar and they assured me it was an oversight, and that they would forward the premiums to XXXX XXXX so that my coverage would remain in effect. On XX/XX/XXXX, I had a plumbing leak in one of the bathrooms and it did approximately {$9000.00} damage to my home. My homeowners insurance policy issued me a check for the damages, minus my {$1000.00} deductible. They informed me that the plumbing repair was my responsibility and needed to be done prior to the repairs. I contacted my home warranty company because their brochure states they cover plumbing problems, and that they will cover my {$1000.00} deductible. When I tried to file a claim, I was informed that they could not process my claim because my policy premiums had not been paid for the last four months. I contacted Mr. Cooper ( Nationstar ) and they informed me that it was another oversight on their part. I have been talking to them for the last three weeks, they told me they wired the money to the home warranty company over ten days ago. The home warranty company denies receiving any payment. In the meantime, my family and I are being denied services for which we have already paid. We are unable to repair our home unless we get the plumbing problem repaired. I have been waiting a week now for the mortgage company to produce proof that they wired the funds when they say they did, they are still unable to produce those records today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Applied for Visa CHASE CC thru Amazon with {$150.00} gift card incentive on XX/XX/21. I was approved. Began using gift card while awaiting card in the mail. Prior to receiving card, attempted to generate an online profile so I could see balances and purchases and possibly pay as I went along to void interest. Couldn't start online profile without card #, so again, waiting for physical card. Finally thought card arrived only to open a bill that said past due with a LATE FEE! Called immediately to say that I never received a card and can't generate online profile without card to verify charges as mine. They canceled the card for fear of fraud and when I asked about amount due they said they would look into balance due to make sure they were my charges. I truly did not think I should have a balance due because my Amazon charges were being taken from the gift card incentive of {$150.00}. Each time I made a purchase, it showed that it was pulling for said gift card. 
Finally received CC in the mail yesterday ( XX/XX/XXXX ) and tried to AGAIN create an online profile right away so I could verify charges and status of payment. In order to do so, the system wanted to send me a one-time pass code but had TWO old phone numbers and email address from years ago ( I have no clue how that could have possibly happened ), so they could NOT send pass code. I called today and was on the phone 1.5 hours, with various departments, each one changing the old info. Finally, was told that I had to pay balance due as card was locked. What?! Also, if I wanted to generate an online profile to pay bill and check balances, I had to go INTO a Chase bank with TWO forms of ID. I am done. In all of my 60 years, I have not experienced anything so surreal when applying for a CC. If only I could go back to XX/XX/XXXX and NOT deal with Chase. Unless this gets taken care of, I will continue to share this experience!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-02-24
Company: SUN LOAN COMPANY INC.
State: IL
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:
This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: FC HoldCo LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with FLAGSHIP CREDIT ACCEP plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Credit Corp Solutions violated The Florida Consumer Collection Practice Act by failing to provide meaningful disclosure by not notifying me within 30 days of assignment to collect debt commenced as well as engaged in harassment communications, and threatening communications. In addition, Credit Corp Solutions & XXXX XXXX XXXX, P.A XXXX XXXX XXXX, XXXX XXXX, Florida XXXX, XXXX XXXX Attorney for the Plaintiff XXXX XXXX XXXX, initiated a Small Claims lawsuit ; in The County Court and For XXXX XXXX FL, Case No. XXXX. by using " Sneaky and Deceitful Conduct, unscrupulous practices, overreaching, concealment, trickery and other unconscientious conduct which would be condemned by honest and reasonable people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield associates keeps putting fraudulent charges for medical that I NEVER RECIEVED. I HAVE insurance and none of these are associated with any drs or services recieved. 
I have repeatedly proven my identity to XXXX. In turn they sent my real ids to them. I have the email. Now they can really steal my id. This is screwing my life completely up. XXXX is not investigating these disputes. 
I want all recently submitted reinvestigated. 
XXXX  provided these companies with my real info, I'm turn they are applying them differently now. This is a violation of the privacy act an fair credit act I will be seeking legal. 
I want these fraudulent claims removed. 

The other bureaus investigated and removed, therefore something is fishy from the get go. 
XXXX XXXX  notified me the day I uploaded last id they sent to false XXXX. 
I need my rights supported.

Company response to consumer: Closed with explanation