BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my complain is with fay servicing XXXX they took over the loan from XXXX XXXX XXXX # XXXX now im in forecloure never got a notice in the mail, also we had XXXX  in XXXX i left the company know i needed help which the agreed to please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Bayside Capital Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bayside capital ( XXXX ) threatening me with lawsuit. Lawyer is handling my bankruptcy case and all communications are required to go through them. They should not be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, XXXX XXXX placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-09
Company: Colony Brands, Inc.
State: CT
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:
made a payment to Montgomery ward was suppose to remove from all credit agencies. never did before they went out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: MO
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from XXXX XXXX for {$360.00} in XXXX. The bill was paid in full on XX/XX/XXXX. I retrieved my credit report on XX/XX/XXXX and saw a collection company for XXXX XXXX, Wakefield and Associates, was on my credit report for the amount of the bill, {$360.00} that was paid off over a year ago. I disputed the account with XXXX  and provided a copy of the payment receipt from XXXX XXXX and the response that I received from the dispute was that the account still stands as being owed and it was not removed from my credit report. The receipt I provided from XXXX XXXX had the date it was paid and the confirmation number on it. A simple investigation verifying the receipt of payment would have proved that the account was paid over a year ago. On XX/XX/XXXX I spoke with a representative named XXXX at XXXX XXXX and she informed me that Wakefield and Associates was informed of the payment in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I upgraded my XXXX XXXX American Express card to the XXXX XXXX American Express card. The reason I upgraded was to participate in their promotional upgrade offer, specifically : " When you upgrade, your new Card will have a promotional annual fee of {$0.00} for one year. " I printed this out for my records, copy attached, and then upgraded. On XX/XX/XXXX I went online to check my account and was horrified to see that Amex was planning on charging me a {$450.00} annual fee on XX/XX/XXXX. I chatted with an Amex agent on XX/XX/XXXX ( chat copy attached ) who indicated I wasn't eligible for the promotion. I found this peculiar, as my account had obviously been eligible for the upgrade promotion the day before. The agent offered to start an 'investigation ' but warned me it could take up to 8 weeks to conclude, which would put me at dire risk of incurring the {$450.00} fee prior to conclusion of their 'investigation ' which was obviously a non-starter. I am a big fan of American Express, and am writing in order that they refrain from rolling out promotions that some might consider bait and switch, at best. Hopefully my experience might prevent others from suffering the same treatment from Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX 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 and XXXXXXXX XXXX XXXX : XXXX has all 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 explanation
Consumer complaint received 2021-06-29
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have asked Sunrise Credit Services to stop calling my phone number over 20 separate times, whoever they are looking for is not at my number that they keep calling. I have tried blocking their number but they continually spoof their number and call from a different number.

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 2023-08-21
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX XXXX had issues with their auto pay system twice in XXXX 
So the two missed payments in XXXX wre their fault. not mine Since XXXX  they have reported this to XXXX XXXX, Equifax, XXXX as late. 

XXXX XXXX, Equifax, and XXXX have been putting this on my credit report without my permission, even after several letters detailing the issue. 



In accordance with the fair credit reporting act, the above mentioned creditor & credit bureau agency has violated my rights.

U

nder 15 USC 1681 section 602 States that I have the right to privacy. Under 15 USC 1681 section 604 ( a ) section 2 also States a consumer reporting agency can NOT furnish an account without my written instructions Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I went to check my credit score on mint and my score dropped from XXXX, to XXXX. Some company called NATIONAL CREDIT SYSTEMS. According to my credit report that I pulled from XXXX  they say I owe {$300.00} to a company called XXXX XXXX. 

I've never heard of either of these two companies before. No one ever contacted me about this debt, they just slapped this on the report. I think it's probably fraud. I tried to call both of them but neither would pick up because it's a Saturday. 

I had a perfect credit score before today and I've never made a late payment on anything. Now my perfect credit score is ruined, by what appears to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX I opened a dispute with Experian about my student loan from the Department of Education. This Loan was Opened on XX/XX/XXXX in the amount of XXXX. 

I made a dispute with Experian in XXXX about having the account removed but was unsuccessful. Although the account had a late payment, it has been well over 7 Years from the Opening date. This is having a negative impact on my score which is unfair being that the account is very old. I tried to submit a dispute with Experian again on XX/XX/XXXX, but Experian denied to request because I made a prior dispute. 

The Fair Credit Reporting Act prohibits background screening firms from reporting any arrest record or adverse non-conviction information older than seven years.

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 2021-07-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 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 is found to be fraud 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. Please block/remove these items. 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 XXXXXXXX XXXX AE XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022

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 2023-01-21
Company: Receivables Performance Management, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection notice in the mail from Receivables Performance Management in XXXX XXXX, The collection notice was for a XXXX account opened XX/XX/2022. This was opened in my name without my knowledge and showed up on my credit report. I had no idea this account was opened until I received a collection notice just recently. I filed a fraud case with XXXX, reported this to the police, put a freeze on my credit, and disputed with the credit reporting agencies. XXXX completed their investigation, and the result is they are saying this is my debt. The result was with their consultation with XXXX. This is not my debt and need this corrected. I called XXXX and they could not find an account in their system. I wanted to know all the information on the account such as when it was opened, how it was opened. time of day it was opened, where it was opened and they could not find an account. I have worked hard to keep my credit rating excellent and this is ruining it and I need to have this removed and my credit rating restored.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RI XXXX  You are direct violation of the Fair Credit Reporting ACT ( XXXX Account number # XXXX ) has violated Several my right. 
15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : ; it also states that I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to question specific records in my credit file that do not belong to me. These items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not get transunion to fix my credit account so that i can access my credit report /scores ... .I have been trying to get the issue fixed for 10 years now ... and it has caused/costed me more times than i can count i get the same response from them year after year [ WE HAVE FORWARDED YOUR ISSUE TO A DEPARTMENT THAT CAN HANDLE YOUR SITUATION AND THAT IT WILL TAKE 3 TO 5 DAYS FOR THAT DEPARTMENT TO FIX IT ] and guess what it never gets fixed ... .no company nor i can access my credit report i get denied ... XXXX wish that someone could help me figure it out ... .i really think transunion should pay me for all the years i have not been able to get services because of their faults.

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 2020-02-12
Company: Capital Accounts, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company is Capital Accounts. Very unprofessional company keeps hanging up on me every time I call now instead of discussing this debt with me. This company will not give me a explanation of the debt they are saying is owed. I tried to contact that original creditor and they never return my calls or anything to give me a balance of what this is for. I rented a home from them in XXXX, and back in XXXX all of a sudden a collection agency pops up on my credit report and reporting as a fresh debt instead of the date the original account is from. I never received any notice prior to it going on my credit report, just all of a sudden one day it was there. They refuse to work with me in any way to validate the debt, tell me what it is for, or even report the correct dates from the account. I cant even get them to stop hanging up on me. This a fraudulent scamming company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$300.00} XXXX XXXX XXXX / XXXX / {$200.00} XXXX XXXX / XXXX / {$1800.00} XXXX XXXX  / XXXX / {$870.00} XXXX XXXX /  XXXX / {$730.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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