BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: F&B Acquisition Group LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan from F & B Financial Group, XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX, XXXX. This was for a Home Loan using my VA entitlement. 
I complied with all the necessary paperwork to XXXX XXXX, Senior Mortgage Advisor. 
I was approved for {$220000.00}. This approval letter was also e-mailed to a Real Estate Agent that I was NOT under contract with. I felt that that was very illegal to do without my permission. 
Between this Real Estate Agent & XXXX XXXX of F & B Financial there were deliberate actions to disqualify me from purchasing many homes.After contacting VA I found out that I can purchase an " as-is '', foreclosure or Auction home. During this time I lost 2 homes that I was interested in because of the actions of F & B. I believe there is an underlying reason for these roadblocks. It is either that my Wife is XXXX or of my age of XXXX. 
I have e-mailed XXXX XXXX firing him with " no response '' I have called F & B many times leaving voicemail messages with no response to my requests. 24 hours ago I left such a message to the President of F & B, XXXX XXXX, requesting an appointment to meet with him in person to discuss the above problems. NO RESPONSE as usual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice of the this debt on XX/XX/XXXX from Procollect Inc. This debt was incurred in XXXX and paid around XXXX to the XXXX XXXX directly. I called and spoke to a representative for Procollect asking for some type of verification on this as it was paid many years ago. All they could provide was that they had spoken to me last in XXXX. I have not been contact by them since. The XXXX XXXX XXXX not have this information any longer as it has been 10 years and they have moved management companies many times over. When I asked for Procollect 's license number to make a report, I was denied. I was unable to find their information as a licensed creditor to make a report online.

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 2022-03-17
Company: EQUIFAX, INC.
State: MD
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 noticed that there are a few inquiries on my credit reports that are fraudulent. It is for XXXX XXXXXXXX XXXX in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 noticed that there are a few inquiries on my credit reports that are fraudulent. It is for XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
When I reviewed my updates, I discovered that inaccurate information was being reported to my personal credit file. Credit reporting agencies have failed to comply with the Fair Credit Reporting Act, 15 USC Section 1681i, and have continued to disclose unverified information without giving the necessary documentation. The three credit bureaus failed to properly identify and produce verifiable proof within the time frame required by law. The following information is incorrect, and I never gave permission for my credit to be accessed. They have not provided me with formal consent or removed these things from my credit report. The following elements must be removed : TRANSUNION : 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 2022-03-17
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CREDITORS XXXX XXXX XXXX  ACCT NUMBER XXXX COLLECTION COMPANY : XXXX : REF ID XXXX XXXX XXXX SAYS I OWE {$390.00} CREDITORS : XXXX XXXX ACCT NUMBER XXXX COLECTION COMPANY XXXX. XXXX XXXX XXXX SAYS I OWE {$230.00} BOTH OF THESE COMPANIES WERE SUPPOSED TO COMBINE OUR TV AND INTERNET SERVICE WHEN WE HAD THEM. THEY CHARGED US INCORRECTLY AND SAID THAT WE STOPPED SERVICE BEFORE THE END OF OUR SERVICE PEIORD. I CONTEND THAT THEY HAVE DESTROYED MY CREDIT RATING BECAUSE OF INCORRECTLY BILLING ME. THE COMPANIES WERE JOINED TOGEATHER AND WE WERE SUPPOSED TO GET ONE BILL. WE DID NOT GET ONE BILL BUT CONTINUED TO GET TWO. THE COMPAINES ALSO CHARGED MY WIFE XXXX XXXX FOR THE SAME SERVICES. 

:

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16
Company: EQUIFAX, 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:
On XX/XX/XXXX, I wrote to Equifax explaining that I am a victim of identity theft and the bankruptcy reporting on my credit file is not mine ; supplying evidence and documentation. However, Equifax responded that the information was verified as accurate through XXXX XXXX. I have had my information suppressed with XXXX however, Equifax refuses to remove this fraudulent account from my credit file in accordance with Section 605 B of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with the intent of ghting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively aecting me nancially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.

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 2023-02-17
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:
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, XXXX XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX 15 U.S.C 1681 602 A. states I have the right to privacy.

15 U.S.C 1681 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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: Was not notified of investigation status or results

Complaint:
Reporting agency is reporting inaccurate, invalidated information in which has harmed my credit report tremendously and has caused me severe stress. I am demanding this information 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
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, a federally protected consumer. I am filing this complaint with the CFPB against Experian XXXX XXXX XXXX XXXX ( Experian ) because they have failed their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness and accuracy of an item of information on my consumer file. I sent Experian Information Solutions , Inc a dispute letter on XX/XX/2022, labeled as Exhibit A, which they received on XX/XX/2022. They finished investigating my dispute which was ready and made available to view on XX/XX/2022 on Experians website, report # XXXX. On the status, it states Verified and Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. The information that they updated was Recent Balance which went from {$4000.00} to {$4000.00} as seen in the screenshots labeled Exhibit XXXX & XXXX I sent Experian a follow-up letter asking for the method of verification, labeled Exhibit D, on XX/XX/2022, which was received on XX/XX/2022 via return receipt which is labeled as Exhibit XXXX Experian opened an Account Dispute on XX/XX/2022 and finished their investigation on XX/XX/2022, report # XXXX. In this report, Experian XXXX XXXX XXXX XXXX failed to provide me with the method of verification which is stated that I can request per 15 U.S.C. 1681i ( a ) ( B ) ( 7 ) and that Experian must provide after receiving a request from the consumer for that description no later than 15 days. On XX/XX/2022, I contacted Experian Information Solutions , Inc. and spoke with representative named XXXX. I explained to him that I sent a method of verification, but did not receive any information that I requested in my letter. He placed me on hold and said that he would put in a request for the method of verification to be sent to me. He asked for my mailing address, and said that it should take XXXX business days to get to me. He also provided me with a case reference # XXXX. It has been 11 days, and I still have not received any information on Experian Information Solutions , Inc.s method of verification for this item on my consumer report. I have given Experian Information Solutions IncXXXX more than 15 days to provide me with the information that I requested to see how they verified an account. If the disputed information, after the reinvestigation, is found to be inaccurate or incomplete or can not be verified, then Experian must promptly delete that item of information from my consumer file.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: WI
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:
I recently pulled a copy of my XXXX XXXX, XXXX, and Experian credit report and noticed that I have been a victim of Identity theft. I am in disbelief and this is very XXXX breaking as I am in the process of becoming a homeowner. I tried removing these fraudulent accounts, inquiries, and addresses in the past but nothing changed. The credit bureaus are not abiding by the FCRA Laws 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 1666B : 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 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 2023-03-31
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXX XXXX 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.

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 2023-10-27
Company: DISCOVER BANK
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to file a formal complaint against Discover regarding their mishandling of my identity theft claim. 
Despite providing evidence of fraudulent charges on my account and filing multiple disputes with Discover 's fraud investigation department, my claim was unjustly denied. This denial has had severe repercussions on my credit standing and financial well-being. 
The crux of the issue lies in Discover 's disregard for the fact that my phone, through which the fraudulent charges were made, was stolen. To rectify the situation, I took immediate action by changing my phone number, email address, and other contact information associated with my Discover card. 
However, Discover failed to acknowledge these changes and instead attempted to contact me through the old, stolen phone number, thus impeding their ability to reach me regarding this matter. 
Furthermore, Discover 's claim that I paid for the charges is baseless and unfair. It is common knowledge that failing to pay credit card balances would result in the closure of my account. This does not justify denying my claim, as it is evident that the charges in question were fraudulent and unrelated to my legitimate financial activities. 

In efforts to substantiate my claim, I provided Discover with a police report confirming the theft of my phone & other property, as well as evidence that clearly demonstrates the fraudulent nature of the charges. Despite these measures, Discover failed to conduct a thorough investigation into my case until XXXX, even though it was initially promised for XXXX, XXXX & XXXX. In the meantime, I have been burdened with recharging for the fraudulent charges that I had already paid while awaiting the completion of the original investigation. This ongoing situation is significantly impacting my credit and causing further financial distress. 
Thank you for your attention to this matter. I look forward to a swift resolution and fair outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2015-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have recieved over XXXX hit on my credit trying to find financing for a vehicle, it has all happened within the last two months. Everywhere i go im at a high risk level and i cant get financing for a vehicle. If you look on my report it clearly shows how many times my credit has been abused in this auto loan process, i want to dispute all of the hits on my credit report to you guys. Its a perfect example of how horrible auto dealerships ruin peoples credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation