BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, 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:
My most recent report dated XX/XX/XXXX with Experian shows multiple unauthorized inquires. Pursuant to U.S Code 1681b ( 2 ) - Permissible purposes the consumer agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following is a list of all unauthorized/unrecognized inquires : 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 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 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 2020-08-05
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS served us with foreclosure papers XX/XX/XXXX. Since then my wife and I filed for bankruptcy and our lawyer faxed SLS Financial records they asked for to do mediation. SLS never acknowledged receipt of the financial records and filed a relief from stay on bankruptcy. They are trying to move forward with the foreclosure with out mediation. That is a violation of Vermont foreclosure mediation law and violation of the Consumer Financial Protection Act of XXXX. They are harassing us with phone calls after we told them not to call us. They are also sending documents from lawyers every week or more. Also they charged {$15000.00} for fees and interest last year ( {$30000.00} for previous 8 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 2021-10-11
Company: Frontline Asset Strategies, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on FRONTLINE ASSET STRATEGIES which opened XXXX XXXX, 2020. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
company has not responded to dispute of misleading and inaccurate reporting as we have now past 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Synergetic Communication Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail, addressed to " XXXX XXXX '' but our address. From Syergetic Communication , Inc. XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX. It said we owe XXXX XXXX {$950.00} but that we could " settle '' by XX/XX/20 for {$280.00}. We do not owe that to XXXX, we never have and never carry a balance on anything. Called XXXX to make sure we were good and they said we were fine and they did a search under mine and my husband 's socials and there weren't any other current accounts for us. Checked credit report- everything was fine. And even checked our credit union account and that was fine as well. The address we are supposed to mail the payment to is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ID XXXX. I looked up this company and the XXXX shows them doing this to many other people as well. It's a money scam and fraudulent. Won't contact them as I don't want to give them any of our info and I saw from the XXXX that contacting them is pointless. We don't have any debt at all and sending a threatening letter to us is wrong. The supposed account number on the letter is something I have never seen before and haven't heard of. I added it on the next page but I know nothing about it. Doubt they do either as our names are nowhere on here- they just ate getting to scam us into paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: MO
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:
Since XX/XX/2021 I have been filing a complaint against XXXX XXXX XXXX Equifax and XXXX XXXX XXXX Bank - Account XXXX Great XXXX XXXX  XXXX Account XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX No investigation has been opened on my behalf. Also have sent request for Debt validation and have not received anything back from the creditors or collection agencies regarding my dispute. The bureaus are now considered being in direct violation of the FCRA guidelines and also the collection agencies are now in direct violation of the FDCPA guidelines. The timeframe for an investigation has now passed and I am requesting within my consumer rights for a permanent deletion of the accounts listed above. I have attached the disputes that was sent in the to creditors/collections agencies and to the bureaus with no regards are response back. I have also attached my Driver 's License, Utility Bill and Social Security card for proof of my identity. Please consider this my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Atlanticus Services Corporation
State: PA
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: Was not notified of investigation status or results

Complaint:
I mailed a dispute to all three Credit Bureaus regarding late payments to ASPIRE Credit Card on XX/XX/2023 they received on XX/XX/2023. The date is currently XX/XX/2023 and there is still no Notice of Dispute on my XXXX or XXXX Report. XXXX posted a Notice of dispute 60 days past disputed time frame ( 5 days after investigation ) that is required by FCRA section 623. I have never received notice 5 days after their decision which also falls under FCRA section 623. That is fine of {$1.00} per occurence. Please have them remove from my credit report and fine them for blatantly disregarding the FCRA laws. Thank You XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had contacted Capital One regarding charges on my credit card that I did not authorize, I did not benefit from nor did I make those charges. 

Billing statement XX/XX/XXXX -XX/XX/XXXX shows a credit from Capital One for the unauthorized charges and or fraud charges. 

That credit is not reflected in the balance owed, since Capital One sold the account to XXXX XXXX XXXX around XX/XX/XXXX since I refuse to pay for charges I never authorized nor did I make. The balance that XXXX XXXX XXXX is {$2000.00}. 

I contacted XXXX XXXX XXXX asking them to remove the collection account that is being reported to the major credit bureaus as a collection. I explained in writing to XXXX XXXX XXXX that capital one sold them an account with unauthorized and or fraud charges on it. That the entire balance is of unauthorized and or fraud charges. 

XXXX XXXX XXXX has refused to delete the collection account from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Quality Asset Recovery LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Quality Asset Recovery is listed on my credit report and trying to collect an amount of {$2000.00}, I was not aware of this

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 2023-11-11
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello, My debt was acquired in XXXX originally through XXXX XXXX it has been 6 years since the debt was obtained and the debt then sold to XXXX XXXX XXXX and they refused to acknowledge my legal obligation to this collection is no longer applicable.

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 2023-02-23
Company: EQUIFAX, 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:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
Based on my most current consumer report I have two late payments of 30 days or more reporting on my credit report from XXXX account # XXXX reported in XX/XX/2022 and Authorized user XXXX XXXX XXXX account # XXXX reported in XX/XX/2022. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Which means the consumer being me and the person making the report which is XXXX XXXX or XXXX XXXX XXXXXXXX. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX has reported late payments on multiple accounts ( XXXX  # XXXX ) and on which Im an authorized user XXXX XXXX  XXXX XXXX # XXXX ) and/ or Utilization of every credit card account on my credit profile which is an experience created by my credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. Please furnish the agreement that states I gave permission to have your reporting agency to publish my personal experiences and transaction history. I never gave XXXX written instructions to report anything to my consumer report, regarding late payments or utilization to be furnished to my credit report. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By XXXX reporting of these late payments/ Utilization my privacy and personal transaction history with each credit card company I have private business with has been violated due to XXXX have violated my consumer rights by allowing these late payments/utilization to report to my consumer report! I expect this matter to be handled in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX suffered a major security breach which leaked the personal data of over 143 million Americans, I was one of those individuals who were affected. XXXX  was negligent on securing my information, during this breach a hacker gained access to my Name, Social Security Number, Birth Date, Address, Phone Number, Drivers as well as my Driver Licenses Number. As a result of my personal information being compromised, I have become a victim of identity theft leaving several accounts listed on my credit report with XXXX, XXXX, and Experian that I did not authorize. My overall creditworthiness has been destroyed, my personal information will forever be assessable, this has caused me a great deal of stress and anxiety. 

Credit reporting laws ensure that only 100 % accurate information should be reported to the credit reporting companies at all times. Due to the XXXX XXXX  Security Breach, XXXX, Experian, and XXXX are currently reporting incorrect accounts to my credit file. My Lawyer is prepared to move forward in court on XX/XX/XXXX in the " State of Alabama '' On XX/XX/XXXX I will file a civil suit against XXXX, XXXX, and Experian for continuing to report this incorrect, fraudulent information to my credit file at that time I will seek for Punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach if this account is not removed from my credit file. 

The following accounts are currently being reported to my credit files and should be removed as soon as possible. 
1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX 4.Dept of Education 5.XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX  8.XXXX card 9.XXXX . XXXX 10.XXXX Hospital 11.XXXX XXXX XXXX 12. Us Department of Education

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 2021-10-11
Company: National Credit Systems,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: Their investigation did not fix an error on your report

Complaint:
I have been disputing an item on my credit report through XXXX since XXXX of XXXX regarding XXXX XXXX XXXX  orignal credit, national credit systems that has been paid in full through employee garnishment Between XXXX and XX/XX/2018 from the joint applicant. I have submitted to the credit agency the payslip that reflects the proof of payment and they refuse to update with paid or removal from the report in which it has been removed from the joint parties report instantly. The original debt is erroneous due to me never being late on my rental obligation as reflected on the report, all of sudden the company was in the process of selling and refusing to fix water and gas problem when the issue was raised they then began to refuse my rents because they knew they sold the complex causing me to have the judgement because the judge refused to listen being a landlord state. The joint party moved to a state where garnishment isn't permitted and they still took the money. Which the judgement reflects XXXX and the reports is XXXX. I was the innocent consumer penalized as a result in a business deal with XXXX XXXX  XXXX  and XXXX XXXX XXXX  deal left to face eviction because I only had a month to go on my lease and ended up having to pay for months I wasn't there as a result of the faulty judgement. This is how states and courts operate that aren't for the tenant, the judge refuses to hear the facts or the cause of the situation not why you didn't pay in this case XXXX XXXX the agent at the time refused the rents multiple times because he knew they were no longer responsible for the property leaving multiple tenants struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Had a car loan with Wells Fargo. They did not apply my payments correctly. I had a repo man come to my house at 8am to repossess my car. I was showing him my Wells Fargo account with current payment status. He had to make calls for an hour in my driveway with his tow truck blocking my car. Then said I was right and hed never seen that before. I was charged fees and caused mental anguish and embarrassment because of this and am looking for my payment from the Wells Fargo settlement.

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 2023-07-02
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis/ ( Report # XXXX Case # XXXX ) refuse to remove inaccurate information from my credit file such as the wrong name XXXX different address 's that does not belong to me. they are also reporting a public record that is inaccurate and can't be verified. I have contacted LexisNexis and disputed the inaccurate information. LexisNexis responded with a written letter saying that they verified the information with XXXX and it was accurate, however the name that they are reporting is not my name nor did I reside at the address 's on my consumer file. XXXX XXXX XXXX is not my name XXXX is not the last four digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information such as the wrong Name, Social Security Number, and! XXXX different address 's i never resided at. I have contacted XXXX and filled disputes on the Identity mix up. They responded saying the information was verified and accurate, but it's not the name my parents gave me nor is it my Social Security Number That was assign to me. XXXX XXXX XXXX is not my name and XXXX is nit the last XXXX digits of my Social Security XXXX. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information from my credit report such as Public Records that they refuse to verify. I have disputed the information and they responded in a written letter saying that the information was verified through LexisNexis and it was accurate. They also have XXXX different address 's on my credit file that has nothing to do with me. I filled a dispute letting XXXX know that it was Identity theft that occurred between XXXX I received a written notice saying the information was verified and accurate. They have used their power to report misinformation on my credit file. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information on my credit file. They are reporting debts from XXXX XXXX that was verified as inaccurate and removed by XXXX, XXXX stats that the debts were verified as accurate. They are also reporting a Public Record on my credit file that they refuse to verify, and give me the information they did verify. XXXX has XXXX different address 's on my credit file that they claim are verified as accurate, I have never lived at the address 's and sent proof to all XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted 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